Legal & Finance
Legal & Finance articles from Splendor Real Estate Advisory: Dubai property news, guides, and market insights.
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Legal & Finance
Home Loan Interest Rates in Dubai 2026: Fixed vs Variable
Fixed home loan rates in Dubai run from 3.75% to about 5%, and variable loans cost roughly 5% to 5.8% at today's EIBOR. The UAE base rate rose to 3.9% on 17 September 2026.
Legal & Finance
DLD Waiver in Dubai: Who Pays the 4% Fee and What You Save
A DLD waiver means the developer pays your 4% Dubai Land Department fee, which is AED 80,000 on AED 2 million. It is a developer promotion, not a government exemption.
Legal & Finance
Credit Score in Dubai: How It Shapes Your Property Buying Power
Dubai credit scores from the Al Etihad Credit Bureau run from 300 to 900. Above 700 helps with mortgage approval and rates, while below 600 limits financing.
Legal & Finance
Islamic Mortgages in Dubai: A Guide to Sharia-Compliant Home Loans
Islamic mortgages in Dubai avoid interest through Murabaha, Ijara or Diminishing Musharaka structures. How eligibility works and how they compare with conventional loans.
Legal & Finance
DEWA Clearance Certificate in Dubai: Complete Guide
A DEWA clearance certificate costs AED 10 and is valid for 30 days. It shows your utility bills are settled before you sell, move out or transfer a property.
Legal & Finance
Homeowners Insurance in UAE: Everything You Need to Know Before Buying
Home insurance is not required by UAE law, but a mortgage lender will require building cover, with premiums starting at about 0.1% of rebuild value a year.
Legal & Finance
Types of Residence Visa in Dubai: Eligibility, Duration and Cost
Dubai residence visas run 2 to 3 years for standard permits, up to 5 for the Green Visa and 10 for the Golden Visa, each with its own eligibility rules.
Legal & Finance
UAE Working Hours Law: Hours, Overtime and Labour Rules
UAE employees work up to 8 hours a day or 48 a week, with overtime capped at 2 hours a day. The law also sets gratuity, probation, notice and MOHRE dispute rules.
Legal & Finance
Property Transfer with Mortgage in Dubai: Step-by-Step Guide
Selling a mortgaged home in Dubai carries a 4% transfer fee. Switching banks costs 0.25% DLD mortgage registration on the new loan, plus bank fees.
Legal & Finance
Ejari Dubai: Rights, Registration & Renting Guide
Ejari registration costs about AED 177.75 on the Dubai REST app and takes minutes. You need the certificate for DEWA, internet and phone, so confirm it before moving in.