Dubai Land Department

Ejara-to-Own Registration (Islamic Mortgage Transfer)

This service registers an Ejara (Islamic lease finance) contract between a property buyer and a financing bank, where the buyer makes payments to the bank over an agreed period and ultimately owns the property upon full settlement. It is the Islamic finance equivalent of a conventional mortgage transfer, structured as a lease that ends with ownership.

What you need to bring

Original Title Deed
NOC from the developer
MOU / Sales Agreement
Ejara Letter from the bank stating the financing value, start date, and end date
Clear black and white copies of valid passports or Emirates IDs for both buyer and seller
UAE Nationals: family book number + copy of nationality certificate
Non-UAE Nationals: Arabic name taken from residency or NOC; English name from passport
Power of Attorney — all pages including the sticker (if applicable)
POA holder's passport, Emirates ID, phone number and email (if applicable)

What it costs

DLD fees

4% of the sale price (buyer)
Title Deed issuance: AED 580
Knowledge fee: AED 10 per applicable fee

Trustee fee

AED 4,000 — if property value is AED 500,000 or above
AED 2,000 — if property value is below AED 500,000

How to pay

To DLD: manager's cheque, card, or payment link

To the Trustee office: card or cash

How long it takes

The whole process is completed in 10–20 minutes at the Trustee office.

Ready to get started?

Book an appointment at our Trustee office and our team will handle the rest.

Book this service