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This service allows applying for mortgage registration of all types (mortgage registration application/ usufruct mortgage registration application/ provisional mortgage registration application/ registration application of provisional mortgage registration / portfolio mortgage registration application) for a property in favor of the financing entity in order to guarantee the rights entailed on the property, whether it is a first or second degree mortgage.

Mortgage Form

Individuals
Through the Trustee offices
1- A letter from the mortgagee bank
2- Three mortgage contracts certified by the mortgagee bank and signed by both parties
3- UAE ID of the owner (for identification proof only, no copy shall be submitted) / copy of passport for non-resident foreigners
4- A no-objection e-certificate (E.NOC) from the developer of the provisional sale properties (via Dubai REST App)
5- A legal power of attorney in case a representative

By bank (electronic)
1- A no-objection e-certificate (E.NOC) from the developer of the provisional sale properties ( via Dubai REST App)

Individual (One person) establishment
1- A copy of the trade license
2- UAE ID (for identification proof only, no copy shall be submitted) or a copy of a valid passport for non-resident foreigners
3- A legal power of attorney in case of a representative acting on behalf of them

Limited Liability Company
1- Trade license + parties and lineage page (original and copy)
2- A job title certificate
3- Memorandum of Association (annexes, if any) (original and copy attested by the Ministry of Foreign Affairs to be translated into Arabic language)
4- A legal power of attorney in case of a representative, or a duly notarized board board of directors resolution

None

0.25% of the mortgage value
in case of an ordinary mortgage and the existence of an ordinary title deed/ Usufruct title deed:
AED 250 fee for issuance of title deed
in case of an ordinary mortgage and the existence of an ordinary title deed/ Usufruct title deed:
AED 250 fee for issuance of each title deed
AED 10 knowledge fee for each drawing
AED 10 innovation fee for each drawing

Service partners fees:
AED 4,000 service fee + value added tax on service partners fee
Service partners fees: Provisional (Oqood):
AED 5,000 service fee + value added tax on service partners fee

via the on-line system
Step I: A customer prepares the mortgage requirements with the bank
Step II: A bank employee enters all the required documents via the on-line mortgage system, as the transaction will be audited by the bank auditor (all required documents are uploaded via the digital safe/ treasury)
Step III: The transaction is sent to the department for auditing and the department's fees shall be deducted from the bank account
Step IV: The outputs are delivered to the customer via e-mail

Via the service center
Step I: A customer will move to a service center - Real Estate Registration Registrars Offices
Step II: A customer submits the required documents to an employee to ensure that no documents are missing. (all required documents are uploaded via the digital safe/ treasury)
Step III: The transaction details will be entered into the system by an employee and shall be audited
Step IV: A customer will pay the fees and receive a payment receipt
Step V: The outputs are delivered to the customer via e-mail