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Early mortgage settlement fee cap
Banks may charge at most 1% of the outstanding balance or AED 10,000, whichever is less, before VAT, to settle early.
What the source says
"Max 1% of outstanding balance or 10,000, whichever is less"
Central Bank Resolution 96/2019 amending Appendix 2 of Regulation 29/2011
| Status | Confirmed - The official source states this rule in the words quoted. |
|---|---|
| Instrument | Central Bank Resolution 96/2019 amending Appendix 2 of Regulation 29/2011 |
| Authority | Central Bank of the UAE |
| In force since | 8 October 2019 |
| Last checked | 16 October 2026 |
| Source | Central Bank of the UAE |
What to know
The Central Bank sets no cap on processing or valuation fees; claims of a 1% processing cap are wrong.
Read the full guide
This rule is explained in context, with the costs and steps around it, in Golden Visa on a Mortgaged Property: The 2026 Rules.
More rules on fees
- The 4% sale registration fee - Confirmed
- Registration trustee fee on a sale - Confirmed
- Title deed fee - Confirmed
- Mortgage registration fee - Confirmed
- Mortgage release fee - Confirmed
- Gift transfer between close family - Confirmed
See all 60 rules in the register.
Cite this rule
Home Guide Dubai, "Early mortgage settlement fee cap", Dubai property rules register, last checked 16 October 2026.
https://homeguidedubai.com/rules/mortgage-early-settlement-cap/
This link stays the same when the rule changes. If the rule changes, this page shows the new text and the date it changed.
Frequently Asked Questions
Is this still the rule today?
We last read the source on 16 October 2026. Rules in Dubai change by circular and by edits to service pages, often without notice. Check the source linked above, and ask Central Bank of the UAE in writing before a large payment.
Where does this rule come from?
Central Bank Resolution 96/2019 amending Appendix 2 of Regulation 29/2011, published by Central Bank of the UAE. The quote on this page is copied word for word from that source.
Sources
- Central Bank Resolution 96/2019 amending Appendix 2 of Regulation 29/2011 - Central Bank of the UAE - accessed 16 October 2026
Every rule above is quoted from the law, decree or official page on the date given. This is general information, not legal advice; rules change, so confirm the current position with the authority named before you act.