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Dubai Land Department
Financial Lease Registration (Equity Release)
This service allows a property owner to obtain financing from a bank by transferring ownership of their property to the bank, which then leases it back to the owner under agreed terms. Unlike a conventional mortgage, the bank formally holds the title during the financing period, and the owner repays through lease installments rather than a traditional loan structure.
What you need to bring
- Original Title Deed
- Letter from the financing bank, with an authorized bank representative present at the time of registration
- Property owner must be present in person to sign
- Owner's passport and Emirates ID (for verification)
- Power of Attorney + POA holder's passport and Emirates ID (if applicable — POA must explicitly mention authority to sign the financial lease contract)
What it costs
DLD fees
- 0.25% of the financing amount
- Knowledge fee: AED 10 per applicable fee
- Innovation Dirham fee: AED 30
Trustee fee
- AED 4,000
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