Buying Property in Ajman
Step by step
How to buy property in Ajman
The steps to register a property purchase with AjmanRE.
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Check the project
Confirm it is a designated freehold project.
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Get the developer’s NOC
The developer confirms there is no objection to the sale.
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Apply and pay
Apply for the sale registration and pay the fees in the notice.
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Sign and download the deed
All parties sign, and the title deed is downloaded with UAE PASS.
Who may own
Ajman reserves land ownership for UAE and GCC nationals. Others may own units and buildings in the real estate areas and projects the Ruler determines, as freehold or as a long-term right of use. Ajman publishes the list of freehold projects as open data.7,8
Fees
| Item | Fee |
|---|---|
| Unit sale, paid by the buyer | 2% of the value |
| Seller’s fee | 1% of the valuation |
| Land or building, UAE or GCC buyer | 2%, at least AED 2,500 |
| Land or building, other nationalities | 3%, at least AED 3,000, plus ownership fees |
| Title deed or certificate | AED 350 |
| Remote sale, signed online | AED 1,000 operating fee |
| Off-plan: initial registration and certificate | AED 200 plus AED 350 |
| Off-plan: final registration on completion | AED 1,700 |
| Mortgage registration | 0.5% of the loan, at least AED 1,000, plus AED 350 |
| Mortgage release | AED 500 |
Source: Ajman Government: Real estate sale registration; Ajman Government: Remote real estate sale registration; Ajman Government: Initial registration of off-plan units; Ajman Government: Final registration of off-plan units; AjmanRE: Mortgage registration; Ajman Government: Mortgage release1,2,3,4,5,6
Non-citizens buying land also pay an ownership fee set by area and use, of at least AED 10,000; AjmanRE has an online calculator for it.1
Step by step
- Check the project is on Ajman’s list of freehold projects.
- Agree the price and sign the initial sale contract with the real estate office, if you use one.
- Get the developer’s clearance or no-objection certificate for a unit, and the original title deed if it is not linked to the seller’s Emirates ID.
- Apply for the sale registration. AjmanRE sends the approval and the fee notice by SMS or email.
- Pay the fees, and all parties sign. A remote sale lets you sign online.
- Download the title deed with UAE PASS or from your document wallet.
Source: Ajman Government: Real estate sale registration; Ajman Government: Remote real estate sale registration; Ajman Government open data: Freehold real estate projects1,2,8
Off-plan: the developer registers your purchase in the initial register; on completion, the unit is moved to the final register and the title deed is issued. With a mortgage, the bank registers it with AjmanRE using the title deed, your ID, the bank’s letter and the developer’s no-objection certificate.3,4,5
A worked example
| An apartment for AED 1,000,000, cash | Buyer pays |
|---|---|
| Unit sale fee, 2% | AED 20,000 |
| Title deed | AED 350 |
| Registry fees for the buyer | AED 20,350 |
Source: Ajman Government: Real estate sale registration1
The seller pays a further AED 10,000 if the valuation equals the price. Agency commission, if any, is extra. Try other prices in the cost calculator.1
Frequently Asked Questions
What are the property transfer fees in Ajman?
For a unit, the buyer pays 2% of the value and the seller 1% of the valuation, plus AED 350 for the title deed.
Sources
- Ajman Government: Real estate sale registration
- Ajman Government: Remote real estate sale registration
- Ajman Government: Initial registration of off-plan units
- Ajman Government: Final registration of off-plan units
- AjmanRE: Mortgage registration
- Ajman Government: Mortgage release
- AjmanRE: Laws and legislation
- Ajman Government open data: Freehold real estate projects
- ICP: UAE Golden Residency
- Central Bank of the UAE Rulebook: Regulations regarding mortgage loans
Figures checked 6 November 2026. Prepared by Invest-Emirates.ae for general information. It is not investment, tax or legal advice; please confirm details with a qualified adviser before acting.
