How a Notarised Acknowledgement of Debt Works
A Fixed Sum, a Due Date and a Notary
An acknowledgement of debt is a document in which the debtor confirms that a specified sum is owed to the creditor and states when it will be repaid. Signed before a notary in Dubai, it has the evidentiary value of an official document. When the obligation is established, the sum is specified and payment is due, the notary affixes the executory formula at the creditor's request, and the creditor opens an execution file at the Dubai Courts without first filing a claim for payment.
A loan agreement and a repayment schedule are notarised on the same terms.
At EGSH, the acknowledgement or loan agreement is drafted in Arabic and English, translated where needed and notarised through the EGSH Notary Department, which provides notary public services in Dubai without queues and in one visit.
How to Notarise an Acknowledgement of Debt in Dubai
From Agreed Terms to the Notarised Document
01
Visit EGSH
The client presents the Emirates ID or passport of each party and the terms already agreed between them: the sum, its currency and the due date or instalment schedule.
02
Bilingual Text Drafted
The acknowledgement or loan agreement is drafted in Arabic and English with a fixed sum and due date, or an existing foreign-language text is given a legal translation into Arabic.
03
Signature Before the Notary
The parties sign before the notary, who verifies their identity, capacity and consent and attests their signatures on the document.
04
Receive Your Notarised Debt Acknowledgement
The creditor receives the notarised document, and if the debt is not paid when due, the executory formula is affixed to it at the creditor’s request.
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Address
Art of Living Mall, Al Barsha 2, Dubai
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Monday–Thursday, Saturday: 9:00 am–5:00 pm
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What to Bring to Notarise a Debt or Loan
Parties, Sum and Repayment Terms
Identity of the Parties
The Emirates ID or passport of the debtor and the creditor, and for a party who is represented, a power of attorney notarised in Dubai that authorises the attorney to sign this document.
Amount and Repayment Terms
The exact sum and currency, the origin of the debt, the due date or each instalment date and amount, and the agreed method of payment.
Company Documents
Where a party is a company, its trade licence and the document authorising the signatory, such as the memorandum of association or a board or shareholder resolution.
Proof of the Loan
Where available, bank transfer receipts or earlier correspondence showing how and when the money was paid, so that the text matches the actual transaction.
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Why Notarise a Debt or Loan with EGSH
Bilingual Drafting and Notarisation in One Visit
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When an Acknowledgement of Debt Becomes Enforceable
Under Article 34(a) of Law No. (4) of 2013 Concerning Notaries Public in the Emirate of Dubai, as amended by Law No. (26) of 2021, a notary affixes the executory formula, at the request of a party, to an instrument the notary has registered or attested where it contains established and enforceable obligations of a specified amount. The UAE Civil Procedure Law, issued by Federal Decree-Law No. (42) of 2022, lists documents authenticated under the law governing notarisation among writs of execution in Article 212(2)(b). Article 212(1) allows compulsory enforcement only of a right that is established, due and of a specified amount.
In practice, three conditions apply. The document states the exact sum, the date for payment has passed, and the obligation does not depend on a condition. Only one copy bearing the executory formula is delivered to the parties. Under Article 34(b), a further copy is issued only by written order of the Chief Justice of the Court of First Instance or a judge authorised by the Chief Justice, where the first copy is lost or cannot be used.
Under Article 35(b), a notarised instrument has the evidentiary value of an official document, and its validity can be challenged only by a claim of forgery. Enforcement measures are decided by the execution judge of the Dubai Courts. Article 21(2) prohibits notaries from attesting instruments that create, transfer, change or extinguish rights in real property, and such rights are registered with the Dubai Land Department (DLD).
Personal Loan Agreements: Friends, Family, Founders and Employees
A loan agreement records a loan as it is made: the sum, the date the money is handed over and the repayment schedule. A debt acknowledgement confirms a debt that already exists, whatever its origin. Both are notarised in Dubai, and under either document only the amount that has fallen due can be enforced.
A friendly loan agreement between friends or relatives, or a simple cash loan agreement, records a cash payment or a bank transfer and the dates of repayment. A founder loan agreement, under which a shareholder lends money to the company, names the company as a party, so its trade licence and the authority of its signatory are presented. Where that authority does not follow from the memorandum of association, it is given by a board or shareholder resolution. An employee loan agreement records an advance from an employer to an employee with its repayment instalments.
How to Write an Acknowledgement of Debt
The document states the full names, nationalities and identity document numbers of the parties, or the company's details and its signatory. It sets out the sum in figures and words with its currency, the origin of the debt, such as a loan, the price of unpaid goods or services, or the balance of a sale price, the due date or the instalment schedule and the method of payment. It also states the consequence of a missed payment, for example that the whole outstanding sum becomes due, and ends with the signatures of the parties.
Article 27 of Law No. (4) of 2013 requires notarial instruments to be written in Arabic. A bilingual instrument contains both texts in one continuous document, and the parties sign each page opposite each text. An instrument written only in a foreign language is accompanied by an Arabic legal translation by an MOJ-registered translator, the parties sign both texts, and the notary attests the foreign-language text.
Where the sum is stated as approximate, the due date is left to later agreement or repayment is tied to a future event, the obligation is undetermined and the document does not meet the conditions of Article 34 for the executory formula.
Under Article 35(a), notarial work may be performed by digital processes, including identity verification, remote communication and electronic signature, under rules set by the Dubai Courts. A party who cannot attend in person signs by video conference with a notary in Dubai, and the instrument has the same legal effect as one signed at the notary's office.
Settlement and Repayment-Schedule Agreements
When a debt is overdue or disputed, the parties can settle it by agreement, fixing the amount still owed, a new repayment schedule and any part of the debt the creditor waives. An amicable settlement agreement of this kind becomes enforceable in one of two ways.
A settlement agreement notarised in Dubai carries the executory formula on the same terms as any other notarised instrument under Article 34, once the agreed sum is due. Where a case is already before the court, the parties can have their settlement recorded and ratified by the court, and the ratified conciliation minutes are a writ of execution under Article 212(2)(c) of the Civil Procedure Law.
In a repayment-schedule agreement, each instalment date and amount is stated, and only the instalments that have fallen due can be enforced, or the whole balance where the agreement makes it due on a missed payment.
If the Debtor Does Not Pay: Execution at Dubai Courts
With a notarised acknowledgement, the creditor asks the notary to affix the executory formula, for which the Dubai Courts notary fee is AED 500 under Executive Council Resolution No. (72) of 2025, and then opens an execution file at the Dubai Courts. From that point, the execution judge decides on enforcement measures, such as attachment of the debtor's assets.
Under Article 324 of the Civil Procedure Law, a creditor can ask the competent judge to bar the debtor from travelling, even before a claim is filed, where the debt is not less than AED 10,000 and there are serious grounds to fear the debtor's flight. Under Article 212(5), a writ of execution cannot be executed once it has been abandoned for 15 years from the last enforcement step, or left unenforced for 15 years from its issue.
Legal debt recovery in Dubai without a notarised document is pursued through the court. A debt confirmed in writing or electronically, of a specified amount and due, is claimed by a payment order: the creditor serves the debtor with a notice giving at least five days to pay and then petitions the judge of the court where the debtor is domiciled, who issues the order within three working days (Articles 143 and 144). Any other debt is claimed through an ordinary lawsuit, and before either step the creditor may send the debtor a legal notice.
Explained by
Abdelmohsen Alyahri
Support Services
Abdelmohsen Alyahri is a support services professional with 3 years of experience in UAE government transactions. He assists with procedures across MOFA, the Ministry of Economy, Dubai Municipality, and RTA, ensuring accurate document handling, compliance, and timely processing.
Related Services
Frequently Asked Questions
What is an acknowledgement of debt?
It is a document in which the debtor confirms the exact sum owed to the creditor and the date or schedule of repayment. Signed before a notary in Dubai, it has the evidentiary value of an official document and can be challenged only by a claim of forgery.
Is a notarised acknowledgement of debt enforceable without a lawsuit in Dubai?
Yes, where the sum is specified, payment is due and the obligation does not depend on a condition. The notary affixes the executory formula at the creditor’s request, and the creditor opens an execution file at the Dubai Courts without filing a claim for payment. Enforcement measures are then decided by the execution judge.
How do I write an acknowledgement of debt?
The document names the parties with their nationalities and identity document numbers, states the sum in figures and words with its currency, the origin of the debt, the due date or instalment schedule and the method of payment, and ends with the parties' signatures. It is written in Arabic or as one bilingual text signed on each page. Approximate sums and conditional repayment wording prevent enforcement through execution.
How much does a notary cost in Dubai?
At the Dubai Courts notary, attesting signatures on an instrument worth up to AED 100,000 costs AED 300 per signature, and above that value 0,5% of the value, up to AED 15,000. Entering each party’s details electronically costs AED 100 per party, and affixing the executory formula costs AED 500. Private notaries charge fees set by a Dubai Courts decision in force since 2 January 2026, and translation and the EGSH service fee are charged in addition.
Who can notarise a document in the UAE?
In Dubai, notarial work is performed by Government Notaries Public of the Dubai Courts, private notaries registered on the Dubai Courts roll, government-entity employees registered on that roll and the e-Notary Public system. In the other emirates, notarial services are provided by the competent federal or local judicial authority. At EGSH, debt and loan documents are notarised through the EGSH Notary Department.
Can a personal loan agreement between friends be notarised in Dubai?
Yes. A personal loan agreement between friends states the sum, the date the money is handed over and the repayment schedule, and is drafted in Arabic or as a bilingual text. To be enforced through execution, the sum must be specified and the repayment date must have passed.
What can I do if someone does not return borrowed money?
With a notarised acknowledgement or loan agreement, the creditor requests the executory formula and opens an execution file at the Dubai Courts. A debt recorded in writing, of a specified amount and due, is claimed by a payment order after a notice giving at least five days to pay. Any other debt recovery in the UAE goes through an ordinary lawsuit.
Can a debtor leave the UAE while owing money?
A creditor can ask the competent judge to bar the debtor from travelling, even before a claim is filed, where the debt is not less than AED 10,000 and there are serious grounds to fear the debtor’s flight. The ban is a court order and is not imposed automatically for an unpaid debt.
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10.07.2026
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07.04.2026
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04.04.2026
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03.04.2026
I want to thank the manager Reman for his prompt assistance and support, I applied for a visa for family members, everything was done on time
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27.03.2026
Best service ever. Special thanks to Mirabelle — she is extremely efficient with property transfers and always makes the process smooth and hassle-free.
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19.03.2026
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13.03.2026
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18.03.2026
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10.03.2026
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25.02.2026
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24.02.2026
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23.02.2026
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22.02.2026
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19.02.2026
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09.02.2026
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02.02.2026
I would like to recognize the exceptional service I received from Umida at EGSH. From the very first minute, she made me feel genuinely welcome and at ease. Navigating the documentation required for a Golden Visa can be complex, yet Umida went far beyond what is typically expected — guiding me through every requirement with clarity, professionalism, and patience.
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30.01.2026
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29.01.2026
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28.01.2026
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Exceptional service every step of the way For showing your great example of services Remarkable dedication of consultant mrs Maria Garcia regalado. Thank you EGSH service Hub team
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25.01.2026
Amazing service! They went above and beyond to assist and resolved my concern there and then! Highly recommended anyone to visit this centre, the ladies are very helpful
Cornel Meyer
22.01.2026
Went there for a consulting. Booked an appointment in advance thro their website. Came early — no line — which is good. Very pleasant interior. My consultant Rachel, was polite. Answered all my questions. Can’t judge regarding the process once applied for an exact service, but consulting went well.
Alex Sergman
03.01.2026
This trustee office is remarkably quiet, and it is unquestionably the finest I have experienced in Dubai. Umama Azeem was an absolute pleasure to work with; she ensured that all documentation and formalities were thoroughly prepared prior to the arrival of both the buyer and the seller.
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30.12.2025
Amazing support and communication during the whole process. Rachel, Yara and Maria were super well organized and assisted in record time. We finished the whole process from star to end in 4 business days for 10 year Golden Visa!
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23.12.2025
I had an excellent experience with the wonderful help of Maria Claudia Garcia. Her professionalism and attention to detail made the whole process easy.
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18.12.2025
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17.12.2025
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15.12.2025
I had such a great experience with EGSH (Emirates Government Services Hub)! Everything went super smoothly, and the team was really helpful. A big shout‑out to Ms. Zara Moshiri—she was kind and supportive the whole way through. Truly appreciate it!
Hassan Farid
18.12.2025
Super quick and efficient service. Maria was available via WhatsApp and responded very quickly to all messages.
Kelly Mullins
10.12.2025
I got a delightful service from them to upgrade my visa category half of the expected timeline. Compared with my previous place, this the best and I would like to recommend any of visa service for all of you. * reasonable fair (I was asked twice my previous what I paid). * fast service and delivering before timeline. * Authentic service. Thank you so much Maria for your dedicated service.!
Nila Gamage
01.12.2025
An exceptional service from Zara at EGSH. She guided us perfectly through the process and managed to get us even more than we had anticipated. A world class service center with exceptional staff. Would recommend them to anyone who wants to get sorted for government services
ziad j
24.11.2025
Hello, My Name is Kelvin it was my first time to hear EGSH Emirates Govt from my sponsor. I was assisted By Mrs Maria Claudia Garcia the experience was amazing from the beginning to the End she has been supporting and guiding me through all the process. I am grateful to her and the entire team for the help. I trust and believe EGSH is a place to recommend to family members and friends.
Kelvin Muia
19.11.2025
A very hassle free experience from EGSH. Special mention of Ms.Zara who was most helpfull. Her quick response to queries and swift action are much appeciated.
Shaji Jacob
18.11.2025
We had the pleasure of being assisted by the lovely Ms Maria and Ms Randa. They were clear concise and super professional throughout our whole process of renewing our Ejari and business licence. Maria provided continued support while we were waiting for our business Ejari to come through and made it a simple seamless process.
Rajan Gharu
09.11.2025
EGSH in art of living is the best Hub center for every thing that you want in dubai Specially Ms.ZARA MOSHIRI is the advisor and assistance and she is beside you in every step Thank you Ms.ZARA MOSHIRI and EGSH
Dubai Toronto
08.11.2025
I recently visited this institution had an exceptional experience! Ms. Maria Claudia took the time to understand my needs and preferences. I really appreciate her support and services.
Bryan Meza
08.11.2025
Good morning, I needed to apply for the Golden Visa and went to this EGSH Emirates office. I was very impressed by their facilities and the peaceful atmosphere. We were fortunate to be assisted by María Claudia García, who provided exceptional service. She advised and helped us every step of the way, guiding us through the entire process until we obtained the Golden Visa.
C. JUSTO
07.11.2025
I would like to express my appreciation to Ray from EGSH for his outstanding assistance in handling the transfer of our property at Rove Hotel. He was very helpful, accommodating, and patient throughout the entire process, from addressing transaction concerns and verifying documents to the actual property transfer and ensuring the new owner received the title deed…
Conveyancing luxe homes
31.10.2025
I worked with Amir and Zara, they took care of everything, I only had to send the mandatory information. In a very short time, everything was completed. I was amazed, considering how difficult it had seemed before. Not to mention, the fees were the same or even lower than those of the other companies I mentioned.
Levi Elekes
31.10.2025
Zara assisted me with my Ejari registration, and she was absolutely amazing. She demonstrated exceptional professionalism, efficiency, and delivered everything promptly. Truly a pleasure to work with!
Chantal Scott
30.10.2025
THE BEST!!! Zara you are as always star
Rustem Ilaman Concierge
30.10.2025
Thanks to EGSH and to Zara for Excellent service — professional, attentive, and truly pleasant experience. Highly recommended!
Batyrkhan Orazbayev
29.10.2025
Had an amazing service for the transfer of property there, specially Rachel Rahmat she was very helpfull throughout the process, looking forward to work more.
Ali Nasir
27.10.2025
Visited for the first time for a property transfer and had an amazing experience with Jessieca! She was professional, helpful, and made the entire process smooth and stress-free. Highly recommended for all government services excellent customer service!
Haroon M
20.10.2025
Personally, I find this the best centre in Dubai. They always go the extra mile. Especially Maria Garcia has help out so much in such an efficient way! Thank you!
Kristof Kuypers
13.10.2025
Went there for ejari cancellation. Excellent place. Staff was so cooperative. Ms Maria and Ms Fatima assist me and it was a fast process.
Khurram Khan
10.10.2025
This is probably the best government service hub in Dubai. You come in, asked to be seated, and the staff will come to you instead of standing on the reception and on queue. They will offer you tea and water are available at each table. Really embodies the Emirati hospitality and what seamstresses Dubai is known for.
Kris Ayuso
09.10.2025
I was here the morning of this post. The concierge like service with a contact person arranging for you all the difeerent interactions is making the interactuon as smooth as possible. A truly delightful experience and a true commitment to service excellence, thank you for the great experience and for the initiative to present government interactions in this way!
Frank Harenberg
03.10.2025
Outstanding service — fast, friendly, and highly professional. Thank you very much!
Astro
26.09.2025
I’ve been here for the first time and I can say that this organization definitely worth to come here and make all proceeds with their help! We were changing the owner and such difficult process was really easy for us with your help and most of the time it was done online. So I’m very grateful to Mrs Zara and her support during all the process❤️
Jamilya Rahmiddinovna
25.09.2025
I had an excellent experience with Natalia Baiamonte from EGSH while getting Ejari certificate. From the very beginning, she was professional, attentive, and extremely helpful. Natalia guided me through the process clearly, answered all my questions with patience, and made task feel simple and stress-free. Highly recommend Natalia for her outstanding customer service and dedication!
Bilal Rasool
16.09.2025
I had a really good experience with EGSH (Emirates Government Services Hub). Everything went smoothly and the team was super helpful. Special thanks to Zara and Amal. they were so supportive and kind throughout the process. Really appreciate it!
mohammad fakhri
13.09.2025
We had great experience with Amal She is so helpful and awesome She stayed with us over her duty today just to finish her work Thanks Amal
Banafsheh
15.09.2025
I had a great experience with this office. They handle everything related to company setup, residency, Golden Visa, DLD, and more. The office is very clean, modern, and welcoming, and the staff are extremely professional and polite. A special thank to Ms. Zara for her kindness and guidance throughout the process so smoothly and professionally, and to Ms. Amal for managing the administrative registration.
Kourosh Gheisari
09.09.2025
Zara is the best always attentive to every requests and helping with a solving problems without delay thank you Zara❤️🌸 …
Guljemal Tekaeva
07.09.2025
Absolutely stunning office, i am awestruck. No one can beat Dubai for the kind of hospitality you get in a government office… Its mind-blowing 😍 i wish i could give a 10 star rating (double) on 5 🤩
Sandeep Sabharwal
06.09.2025
I had a great experience with EGHS. I was assisted by Sarah Almeida and she delivered an amazing service. Very attentive, promptly responded my messages and guided me throughout the process. It was all very smooth and done very quickly. I highly recommend and I’ll definitely use their services again.
Bárbara Munaier
04.09.2025
I received really attentive and fast service from Sarah, got all the documents even earlier than promised. Thank you! 😁
Beatriz Paixão
02.09.2025
One of the best people to work with. These guys are really smart and professional. Thanks to Ms Zara
Imran Kazi
02.09.2025
Zara helped me with my services and the process was very easy and she was very helpful
Maya Al Moukayed
02.09.2025
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Working Hours
Official Sources
- Dubai Legislation Portal, Law No. (4) of 2013 Concerning Notaries Public in the Emirate of Dubai
- Dubai Legislation Portal, Law No. (26) of 2021 Amending Law No. (4) of 2013 Concerning Notaries Public in the Emirate of Dubai
- Dubai Legislation Portal, Executive Council Resolution No. (72) of 2025 Amending Executive Council Resolution No. (4) of 2014 Approving the Fees and Fines Related to Notaries Public in the Emirate of Dubai
- Dubai Media Office, Dubai Courts Is Preparing to Implement the Decision Regulating the Fees of the Private Notary Public
Disclaimer
Updated October 2026: notarial rules checked against Law No. (4) of 2013 as amended by Law No. (26) of 2021, notary fees against Executive Council Resolution No. (72) of 2025, and enforcement rules against the UAE Civil Procedure Law (Federal Decree-Law No. (42) of 2022).
This page provides general procedural information about acknowledgements of debt and loan agreements in Dubai and is not legal advice on a particular matter. Notarial acts are performed by a notary public, enforcement measures are decided by the Dubai Courts, and fees are set by the competent authorities and may change.
