When is a finance lease amendment required under DLD rules?

An amendment is required whenever the terms registered with the DLD no longer match the conditions agreed with the financing institution, such as changes to the financed amount, lease term, or contractual details. Any discrepancy must be updated through the official Dubai Land Department lease service to maintain legal accuracy.

Can I submit a finance lease amendment directly through the DLD, or must I use a Trustee Centre?

Finance lease amendments must be filed through authorised real estate trustee centres, as the service is processed only through the secure DLD registration system. Banks may submit specific requests electronically, but individual applicants must use a Trustee Centre.

What documents are required for UAE residents and non-residents?

UAE residents must present an original Emirates ID for verification, while non-residents must provide a valid passport copy. Representatives must submit a notarised Power of Attorney that authorises UAE lease modification activities on behalf of the owner.

Does the bank need to approve all finance lease amendments?

Yes. The DLD will not process any amendment unless the financing institution issues an official amendment instruction letter confirming the requested change. This approval is mandatory for all categories of amendments to finance agreement updates.

Are corporate finance lease amendments subject to additional documentation?

Yes. Companies must provide a trade licence, parties and lineage page, MOA with annexes (MOFA-attested if applicable), and a notarised board resolution or POA verifying authorised signatories. These requirements ensure the accuracy of all corporate lease documentation submitted for amendment in the UAE.

How long does a finance lease amendment take?

When all documents are complete and compliant, the amendment is typically processed within 15–20 minutes, and updated outputs are delivered electronically.

What outputs do I receive after the amendment is approved?

The DLD issues an updated Title Deed and property map (if applicable), and a fee balance certificate. All outputs are delivered electronically and become the new legal records for the property.

What are the fees for changing the financed amount?

If the amendment increases the financed amount, the DLD charges 0.25% of the increased value, plus mandatory knowledge and innovation fees and the applicable Trustee Centre partner fees.

What happens if my documents do not match DLD records?

The transaction will be returned for correction. Mismatches in ID details, corporate data, or bank instructions are common reasons for delay and must be resolved before the DLD can approve the amendment.

Can I amend the amount and term of the finance lease at the same time?

Yes, provided the financing institution issues a combined amendment letter covering all requested changes. The DLD will process each component according to its fee schedule and regulatory conditions.

Finance Lease Amendment Application in Dubai – Fast & DLD-Compliant Processing

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Finance Lease Amendment Services in Dubai

Amend Your Finance Lease Through an Authorised DLD Trustee Centre

Submit your finance lease amendment application through EGSH, an authorised Real Estate Registration Trustee Centre operating under the Dubai Land Department (DLD). We process all types of finance lease modifications, including amount adjustments and term changes, in full compliance with DLD procedures and documentation rules.

Your updated finance lease details are recorded in the Real Property Register, and the revised Title Deed and map are issued electronically once the amendment is approved in the DLD system.

Why choose EGSH:

Authorised Real Estate Registration Trustee Centre
End-to-end processing through DLD’s official system
Same-visit application submission and completion
Transparent, government-regulated fees

Finance lease amendments are typically completed within 10–15 minutes during a single visit.

Amend Your Finance Lease Through an Authorised DLD Trustee Centre

Visit EGSH

You may visit EGSH during working hours and be assisted immediately with VIP, queue-free service, or book your appointment online at a preferred time for your finance lease amendment application.

Submit Required Documents

Our consultant reviews your documents, including the amendment letter from the finance institution and identification or corporate papers, and uploads them to the DLD system.

Application Entry and Fee Settlement

We enter the amendment details into the official DLD platform, the transaction is audited, and you settle the government-regulated fees through approved payment channels.

Receive Updated Outputs

Once approved, DLD issues the updated Title Deed and map electronically, confirming that the amended finance lease terms have been officially recorded in the Real Property Register.

Visit EGSH for VIP Service Without Queues

You can stop by EGSH during working hours without an appointment or book your visit at a time that suits you best.

Address
Art of Living Mall, Al Barsha 2, Dubai

Operating hours
Monday — Saturday: 9:00 am — 5:00 pm
Sunday: Closed

Call +971 4 612 1810 WhatsApp

Amendment Instruction From the Finance Institution

A formal letter issued by the bank or financing entity confirming the requested change to the finance lease related to the amount, term, or other contractual elements.

Identification Documents for Individuals

The owner must provide an original Emirates ID for verification, or a passport copy for non-resident owners. Representatives must hold a valid Power of Attorney authorising them to complete the amendment.

Requirements for Establishments and Companies

Trade licence, parties and lineage page, Memorandum of Association with all annexes (MOFA-attested and translated into Arabic where required), and a notarised board resolution or POA for authorised signatories.

Compliance With DLD Submission Standards

All documents must be complete, valid, and consistent with DLD records. Missing, outdated, or incorrectly translated documents delay the audit stage and prevent the amendment from being registered.

Take a 3D Tour of EGSH

VIP Service

Personal assistance and priority processing with no queues.

Affordable Fees

Official government rates with transparent, fixed pricing.

All Services in One Place

Comprehensive range of UAE government services under one roof.

One-Visit Completion

Most procedures are completed in a single visit to the centre.

What Is a Finance Lease Amendment in Dubai

A finance lease amendment is an official Dubai Land Department (DLD) procedure used to update the registered terms of a finance lease contract between a property owner and a financing institution. Instead of cancelling or re-registering the original finance lease, DLD modifies the existing record in the Real Property Register to reflect the revised contractual elements agreed between the parties.

Amendments may relate to the financed amount, changes in the repayment or lease term, corrections to contract data, or updates to ownership or corporate information linked to the property. Once approved, the DLD issues updated outputs—such as an amended Title Deed and map—confirming that the modified finance lease has been legally recorded in the official register.

Legal Basis for DLD Finance Lease Amendment

Finance lease amendments in Dubai are governed by the legislative and administrative framework regulating property rights and real estate financing, including:

Law No. (7) of 2006 Concerning Real Property Registration in the Emirate of Dubai, which requires all rights, encumbrances, and modifications related to real property to be registered with the DLD.
Law No. (14) of 2008 on Mortgages, which establishes rules for registering and amending financing arrangements secured against real property, including finance leases.
The DLD regulations for electronic registration which mandate that any modification to a registered finance lease must be processed through the authorised Real Estate Registration Trustees and recorded in the digital property register.

This legal framework ensures that all amended lease terms are formally recognised, enforceable, and reflected in DLD’s official property records.

Types of Finance Lease Amendments Accepted by the DLD

The DLD accepts several categories of finance lease amendments, each corresponding to specific changes requested by the financing institution or property owner.

Amendment of the financed amount. Applied when the finance institution increases or adjusts the amount under the finance lease. The DLD charges a percentage fee based on the increased value.
Amendment of the lease term. Used when the repayment or contract duration is extended or reduced, subject to the finance institution’s approval and DLD verification.
Amendment of contract or ownership details. Covers corrections or updates to personal, corporate, or contractual information recorded in the original finance lease.
Corporate documentation amendments. Applies when corporate owners update their trade licence, MOA, authorised signatory list, or other legal documents affecting the finance lease record.

All categories require a formal amendment letter from the financing entity and must be registered through a Real Estate Registration Trustee Centre to ensure legal validity.

When You Need a Finance Lease Contract Amendment

A finance lease amendment is required whenever the terms recorded in the existing DLD finance lease no longer match the conditions agreed with the financing institution. The most common cases include:

Increase in the financed amount
Changes to the repayment or lease term
Restructuring of the underlying financing arrangement

Amendments are also required when the property owner undergoes changes that affect the registered record—such as updated passport details, a change of nationality, or modifications to ownership information.

Corporate entities must apply for an amendment when they change:

Trade licence details
Authorised signatories
MOA annexes
Legal structure

An amendment is also mandatory when a bank requests updated documentation to align the finance lease with its revised credit approval. Any discrepancy between the recorded lease data and the current financing terms requires a formal amendment to maintain legal accuracy in the DLD’s Real Property Register.

How the DLD Processes a Finance Lease Amendment in the UAE

The DLD processes finance lease amendments through its secure electronic registration system, accessible exclusively via Real Estate Registration Trustee Centres and authorised internal bank channels. Once the amendment request is submitted, DLD auditors verify the financing institution’s amendment letter, confirm that the modification aligns with the registered finance lease, and review all supporting documentation for accuracy and validity.

The auditor assesses the identity of the owner or authorised representative, checks corporate documents where applicable, and ensures that the requested amendment complies with DLD regulations and electronic registry rules. After verification, the updated lease data is entered into the Real Property Register, government fees are deducted through approved payment methods, and the outputs—such as a revised Title Deed and updated map—are generated electronically and issued to the owner. The entire process is completed within 20 minutes when documentation is complete and compliant.

Corporate Finance Lease Modification in Dubai: Special Requirements

Corporate owners must meet additional requirements when requesting amendments to a registered finance lease. The DLD mandates submission of a valid trade licence, the parties and lineage page, and the company’s Memorandum of Association with all annexes, attested by the Ministry of Foreign Affairs if issued abroad and legally translated into Arabic. Any changes to the company structure, shareholding, or authorised signatories must be supported by a board resolution or a notarised Power of Attorney granting authority to act on behalf of the entity.

DLD auditors verify that the corporate documents match the records already registered for the property and that the individual requesting the amendment has the legal capacity to represent the company. Missing or outdated corporate documents, unverified MOA annexes, or improperly issued resolutions are among the most common reasons for delays. Ensuring alignment between the corporate documentation and the finance institution’s amendment letter is essential for the amendment to be approved without interruption.

Practical Considerations Before Applying for a Finance Lease Term Change

Before submitting a finance lease amendment request, the property owner must ensure that the financing institution has formally approved the modification and issued an amendment instruction letter in the format required by the DLD. Any change to the financed amount, term, or contractual conditions must be pre-agreed with the bank, as the DLD will not accept amendments that are not supported by the financing entity’s documentation.

It is also important to verify that all personal or corporate records are current and consistent with the DLD’s registry. Updated Emirates ID details, changes in nationality, amendments to corporate MOA annexes, or modifications to authorised signatories must be reflected in the documents submitted with the amendment request. Owners should also confirm that the property is free from pending restrictions or holds in the DLD system, as these must be resolved before the amendment can be processed.

Outputs You Receive After a Lease Registration Amendment

Once the finance lease amendment is approved, the DLD issues all outputs electronically through its official system. The standard outputs include an updated Title Deed (or Usufruct Title Deed, where applicable) reflecting the amended finance lease details and an updated property map issued by Dubai Municipality.

A fee balance certificate is also generated, confirming the government fees associated with the amendment. All outputs are delivered electronically to the property owner or authorised representative and replace any previous documents held for the property. These records serve as the official confirmation that the finance lease amendment has been recorded in the Real Property Register.

DLD Fees for Finance Lease Amendment Application

DLD applies government-regulated fees for processing finance lease amendments, calculated based on the nature of the requested modification.

When the amendment relates to an increase in the financed amount, a fee of 0.25% of the increased amount is charged.
Amendments related to the lease term are subject to a fixed fee of AED 1,000.
In all cases, mandatory fees apply, including AED 10 Knowledge Fee and AED 10 Innovation Fee for each issued document.

Service partner fees also apply when the amendment is processed through a Real Estate Registration Trustee Centre:

AED 2,000 + VAT for amendments involving an increase in the financed amount.
AED 300 + VAT for amendments related to the lease term.

Fees must be paid through authorised channels such as e-Pay, Noqodi, Dubai Pay, or a manager’s cheque. All fees are processed directly through the DLD system to ensure full transparency and compliance.

Real Estate Registration Trustee Consultant at EGSH

Explained by

Muneer Juma Al Balushi

Real Estate Registration Trustee Consultant at EGSH

Muneer Juma Al Balushi has six years of experience in the real estate registration system of the Dubai Land Department, specialising in supporting clients with accurate, secure, and legally compliant property registration.

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