Frequently asked questions

A Leasehold property refers to a property leased by Emaar Properties to a Lessee for a specified term. A Freehold property is a property that is sold outright for a specific purchase price to a Purchaser and there is no limit on ownership rights.

The rate of maintenance fees fluctuates depending on the yearly costs and expenses involved in the maintenance, operation, and upkeep of common areas within the community. However the Sale Agreement does mention the payment of maintenance fees.

The Sale Agreement is typically signed between the Purchaser and the respective Company that is acting as the Vendor. However, the Vendor company is a subsidiary of Emaar Properties, which oversees the larger developments.

Due to the unpredictable nature of construction timelines, the Sale Agreement specifies an estimated completion date for construction. However, the Vendor retains the right to reschedule the completion date within certain time limit beyond the Estimated Completion Date whereby the Vendor can delay the Completion of the project. Delays are typically only caused by factors outside the Vendor's control, such as Force Majeure.

Currently, the Sale Agreement is only available in English.

From a legal perspective, adding or deleting names is considered a transfer of ownership and customers would require applying for a NOC from Emaar. These changes must be recorded in the Land Department's register, with applicable administrative fees paid to the vendor and transfer fees to the Land Department.

If you lose your Sale Agreement, you will need to visit the Contracts Helpdesk and sign an indemnity form. Additionally, you must submit a police report, or an affidavit notarized by a public notary explaining the loss. After verifying the authenticity of your request, a new Sale Agreement will be issued, upon payment of a nominal fee of AED 3,000.

For off-plan properties purchased during a launch, it typically takes between 21-40 days for the Vendor to issue the Sales and Purchase Agreement (SPA) after purchase date. This is due to the necessary approvals and documentation compliance, including the clearance of down payments, registration charges, and Oqood fees. At times, there is interdependency from the Lands Department to get the plot numbers particularly for town homes or villas which are printed on the agreements. For completed properties purchased, the SPA issuance is usually between 15-20 days, subject to approval and documentation compliance.

A mortgage is a type of loan where the borrower pledges the title/property documents to real estate as collateral for a loan. In the event the borrower fails to repay the loan on time, the lender has the legal right to foreclose on the property and sell it to recover the outstanding debt/loan.

Emaar Properties registers the mortgage over any of its properties upon the purchaser's request to protect the interest of the financing bank. Emaar will also issue an undertaking letter / Consent to Mortgage and Charge / Sale Addendum to this effect. However, Emaar's undertaking expires in the event of completing the title deed registration or full repayment of the loan, whichever is earlier.

You may visit our Customer Care Centre at Emaar Square, B2, G Level or apply for a request for mortgage registration/ discharge via E-services available on Emaar App or Emaar website.

A nominal fee of AED 5,000 is charged for registration of the mortgage with Emaar to cover all administrative costs. Emaar also provides an undertaking to the Bank / Financial Institution to protect the interest of the Bank / Financial Institution in the mortgaged property.

If you wish to change your lender, you must first apply for a discharge of the existing mortgage or charge over the property. After that, you will need to register the new mortgage or charge. This process must be completed both at the Emaar office and the Dubai Land Department.

Yes, registering your mortgage with the Dubai Land Department is mandatory.

Yes, a representative can act on your behalf provided they hold a notarized and legalized Power of Attorney from all registered owners of the property, stating that the attorney has been given the power to sign for discharge of mortgage requests.

The mortgage registration or discharge process typically takes 10 working days to complete.

The Purchaser will have to provide a clearance letter from the financier regarding settlement of all dues towards the property to initiate the transfer.

No, Emaar does not require Purchasers to have life insurance. However, if you are financing the purchase through a mortgage loan facility from a Bank / Financial Institution, they may require life insurance.

The Emaar Preferred Access Programme is a customer-focused initiative launched to provide long-term investors and end-users with the opportunities to invest in our latest project launches. The initiative was introduced in response to high demand to our project launches and several end-user and long-term investors missed the opportunity to buy an Emaar property. The Emaar Preferred Access Programme is subject to the below terms and conditions.

Eligibility and registration

Customers may opt into the Emaar Preferred Access Programme (“Programme”) either online during launch registration or by visiting an Emaar Sales Centre. Emaar reserves the right, at its sole discretion and without liability, to accept, reject, or request additional conditions for any application to the Programme.

No guarantee of sale

Opting for and availing from the Programme does not bind Emaar to sell any property. The purchase of any property is subject to availability, agreement on Emaar's relevant terms and conditions of sale and final approval of the sale of the property by Emaar.

Registration channels

Customers would have the choice to register on the Programme either through online or at Emaar Sales Centre(s).

Non-transferability

The enrollment to the Programme is irrevocable and non-transferable and cannot be used to purchase properties in the name and/or for the benefit of third parties.

Restrictions on property transfer

Any property purchased under the Programme is non-transferable prior to the payment of at least fifty percent (50%) of the purchase price of the property. In the case of full-floor purchases, no transfer or assignment is permitted prior to its handover.

Minimum down payment

Twenty percent 20% of the total property value, or a higher percentage as may be requested and increased from time to time by Emaar at its sole discretion is required to be paid at the time of purchase.

Documentation requirements

All required documentation must be submitted to Emaar at the time of purchase.

Additional terms

Additional terms and conditions shall apply including without limitation the terms and conditions of online registration for launches.

Right to amend or cancel

Emaar reserves the right at any time at its sole discretion and without any liability to modify, add, suspend, or cancel the Programme, or amend any of the terms and conditions of the Programme including changes to down payment requirements, resale restrictions, payment terms, or Programme benefits. Emaar may also withdraw or suspend a customer's enrollment in the Programme, and the ensuing privileges/benefits.

Home allotments under the Programme are subject to demand and the number of units available at the time of launch.

When online registration opens for a launch, customers will be prompted to select the “Emaar Preferred Access Programme” field during the process. Please note that online registration is applicable only during official launches. For investments not tied to a specific launch, customers are advised to contact an Emaar Sales Centre.

The “Emaar Preferred Access” Programme is on-going and can be availed of by customers every time they register online.

A Home Orientation is an opportunity to visit your new home, accompanied by one of Emaar's Property Handover Executives. During this walkthrough, any issues that require attention will be documented in a Home Orientation Checklist. Emaar's Property Quality Assurance Department (PQA) will liaise with the Contractor to ensure all observations as recorded on the checklist (subject to acceptance by PQA and consultants) are rectified.

No, Emaar does not provide visit visas for customers.

Yes, you may appoint a representative to attend the home orientation on your behalf. Please submit an authorization letter that includes the representative's full name and contact number, clearly stating your consent to conduct the orientation on your behalf. A copy of your passport is also required for signature verification.

Yes, you may reschedule your home orientation date once, provided the new date falls within the official handover period allocated for the project.

Only one Home Orientation per unit is conducted, in accordance with the terms outlined in the Sales Purchase Agreement. However, should you find any pending snags after you take handover of the property, you can report them to Emaar's Property Quality Assurance (PQA) team by:

• Calling the Emaar Contact Centre at 800-EMAAR (800 36227 / +971 4 366 1688)
• Emailing pqa@emaar.ae
• Visiting the Emaar Customer Centre at Emaar Square, Building 2

Yes, internal modifications may be permitted provided they do not impact the villa's structure or external façade. However, before making any alterations, you have to first obtain a No Objection Certificate from Emaar. Please note that all external changes are not allowed.

Yes, once the property is handed over to you, you are free to lease it.

Please note that show villas featured at our Sales Centres are designed with premium, luxury finishes, which may differ from the standard specifications of your purchased unit. If you wish to upgrade to luxury finishes, please inform the Sales office at the time of purchasing your property. Keep in mind that this will result in the price being adjusted accordingly.

To complete the handover process and take possession of your property, you must submit the following documents:

Single ownership

Original Certificate of Completion of Payment; Copy of Application for Land Registration; Original DEWA Security Deposit Receipt; Original Passport or valid Government ID for identification.

Joint or multiple ownership, including spouses

Original Certificate of Completion of Payment; Copy of Application for Land Registration; Original DEWA Security Deposit Receipt; Original Power of Attorney or a Notarized Authorization Letter from all owners/spouses (if not all are present); Original Passport or a recognized Government photo ID for each owner. In cases of spousal joint ownership, a notarized letter is required if one party is absent during the handover.

Company ownership

Original Certificate of Completion of Payment; Copy of Land Registration Application; Original DEWA Security Deposit Receipt; Original Trade License; Original Notarized Letter of Authorization on company letterhead, signed by the authorized signatory; Copy of Passport of Authorized Signatory (for signature verification); Original Passport or Recognized Government-issued ID of the authorized representative.

Authorization on behalf of individual owners

Original Certificate of Completion of Payment; Copy of Land Registration Application; Original DEWA Security Deposit Receipt; Original Power of Attorney or Notarized Letter of Authorization from all property owners; Copy of Passport of All Owners; Original Passport or Recognized Government-issued ID of the authorized representative.

Apartments

Keys to the unit; homeowner's manual; list of important contact numbers; car parking number; access cards or transponder (where applicable); P.O. Box keys (where applicable).

Villas

Keys to the villa; homeowner's manual; list of important contact numbers; car security sticker.

Yes, any home modification or improvement requires a No Objection Certificate (NOC) from Emaar Community Management. Please refer to the Home Modification Guidelines to ensure your planned works comply with community standards. To apply for a NOC, log into your community portal and select ‘Home Modifications’ from the sidebar.

Yes. Both soft and hard landscaping works require a NOC.

Yes. Installing a pergola requires a NOC. Please refer to the relevant conditions in the Home Modification Guidelines to ensure that it is in line with guidelines.

Yes. These are considered internal modifications and require a NOC.

External modifications that affect the aesthetics of the villa are not permitted. Please consult the Home Modification Guidelines for acceptable modifications to balconies.

It is not permitted to increase the height of the boundary wall. For privacy reasons, it is recommended to plant trees or hedges and for other options, please refer to the Home Modification Guidelines.

No. Modifying the landscaping in common areas is not permitted, as these areas are maintained as part of the community.

Yes. Constructing a swimming pool requires a NOC. Any modifications to your villa or garden must be approved.

Yes. Please note that it is permitted to repaint the external walls of the villa, however a NOC is required to ensure that the colour theme and uniformity of the community is maintained.

Works like interior painting and regular maintenance work do not require a NOC from Emaar. However, your contractor must obtain an entry permit to get access to the community and carry out maintenance works.

Emaar charges an admin fee for issuance of NOC for Transfer. This transfer is registered in Emaar's Property Register and subsequently to be completed at the Land Department. The fee is part of the administrative charges involved in completing the transaction.

For information on document requirements, kindly visit this link.

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The transfer needs to be attended by both the Transferor/s, Transferee/s. You may apply for the NOC for Transfer by visiting our Customer Care Centre at Emaar Square, B2, G Level or via E-services available on the Emaar App/website.

No, Emaar is not allowed to sponsor any visas as per instruction from Dubai Immigration. Eligible customers can apply for an NOC from Emaar to Dubai Immigration for a multiple entry visit visa subject to terms and conditions.

You will receive an automated notification once your NOC is ready. The NOC can be collected from Emaar's Customer Care office at Emaar Square, B2, G Level.

The NOC can be collected only by the property owner/ legal power of attorney holder.

All property types need to be registered/ pre-registered with the Dubai Land Department as per law.

Please visit our Customer Care Centre at Emaar Square, B2, G Level or apply for the registration via E-services available on the Emaar App/ website.

Transactions are done either by walk-in or via E-services. Please note that we do not arrange appointments for carrying out transactions.

Yes, all projects can be registered.

In accordance with Article 11 of the UAE Civil Code, “The law of the state of which a person has the nationality shall apply to the civil status and competence of such person.” Based on this, Emaar has implemented a formal Transfer on Succession process for transferring property ownership to the next of kin in the event of the demise of an owner or joint owner. To initiate this process, beneficiaries must follow legal procedures and provide the necessary documentation in line with UAE law.

A will alone is not sufficient to transfer property ownership. For ownership to be legally transferred, the will must be:

• Confirmed by a Dubai court, or equivalent legal authority
• Accompanied by an officially issued succession certificate

Ownership rights in the UAE are governed by local laws. In the event of the owner's death, Sharia Law will apply to UAE-based properties, unless a court order is obtained through the Dubai Courts or equivalent legal body.

For all dividends since 2003, except 2006, contact Union National Bank's Capital Markets Services on +971 2 698 4430, +971 2 698 4675, +971 2 698 4163, +971 2 698 4603 or +971 2 698 4591.

For 2006 dividends, contact Mashreq Bank's Investment Services Help Desk on +971 4 363 2430.

For all other dividends, contact Emaar Investor Relations at Investor_Relations@emaar.ae. If your shares are deposited with a brokerage firm, please contact your broker directly with any questions regarding the dividend payment.

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The Dubai Financial Market's Customer Service, on +971 4 305 5555 or at customerservice@dfm.ae.

Emaar Properties was incorporated in 1997.

Emaar Properties PJSC is headquartered in Dubai, United Arab Emirates.

Emaar Properties PJSC was listed on the Dubai Financial Market on March 26, 2000.

Emaar Properties' fiscal year ends with the calendar year. Our quarters end on March 31, June 30, September 30, and December 31.

Emaar Properties' shares can be bought or sold through a stock broker, or generally through a financial institution that provides brokerage services. A list of licensed brokers is available on the Dubai Financial Market's website.

Yes, foreigners can buy shares in Emaar Properties as long as the total foreign ownership of the stock does not exceed 49%. Daily foreign ownership levels can be checked on the Dubai Financial Market's website.

49%.

The Investment Corporation of Dubai (ICD) owns approximately 30%, as at May 31, 2014.

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Yes. The corporate governance reports are published in the investor relations section.

EMAAR.

The Purchaser may alter the internal structure of the villa only if the changes required are non-structural, and should seek permission from the Alterations Team of Emaar Properties prior to commencement of work.

The Landlord can approach the Rent Committee and institute eviction proceedings. The Vendor cannot be part of such proceedings as it is not part of the agreement between the Landlord and tenant.

Husband, wife and kids.

Emaar Properties follows the Sale Agreement strictly in cases of issuing Notices of Termination.

Numbering does not impact the title registration. The re-numbering was done to break up the projects into smaller zones which would be convenient to service and is in accordance with the Municipality Rules & Regulations.

You may update your contact details online by logging on to Emaar Eservices or by calling Emaar Contact Centre on 800 Emaar (800 36227 / +971 4 366 1688). You may also visit Emaar Customer Centre or Sales Centre along with your original passport to inform us about the changes.

There is no much difference between the Principal and Joint owner as both are considered to be equal shareholders of the property.

No, Emaar does not currently accept property purchases in digital currencies. Kindly contact our customer happiness centre for assistance.