Many international buyers focus solely on the sale price and overlook the True Cost of Ownership. Beyond the listed price, Dubai buyers must budget for:
DLD transfer fee (about 4% of the property value)
Agent commission (usually ~2%)
Registration and admin costs
Mortgage arrangement fees and valuation charges
Ongoing service charges and maintenance
Utility and Ejari (tenancy contract) costs
If you ignore these, your ROI can shrink significantly — especially if property yields are expected around 5–8% realistically.
Rule of thumb: Add an extra 8–12% on top of the purchase price when calculating your budget.