What does a mortgage buyout cost in the UAE?
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Answer: Four items: early settlement with your current bank (capped at 1% or AED 10,000), a valuation fee (AED 2,625–3,150 by bank), mortgage release (~AED 1,290) and re-registration (0.25% of the loan + AED 290). No DLD 4% applies.
On an AED 1.5M switch that’s roughly AED 18,000–20,000 all-in — and a 1% rate improvement saves about AED 809/month, so the break-even lands within a year or two. We compute yours exactly before you move.
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