What is a finance lease in Dubai?

A finance lease is a structured real estate arrangement in which a bank or financing entity (lessor) retains ownership of the property while the lessee uses it under an agreed lease contract. The agreement is formally registered with the DLD, and a Title Deed or Certificate of Title is issued in accordance with DLD procedures.

Who must register a finance lease contract?

The lessee must complete the finance lease registration, the authorised representative, or the company’s authorised signatory, together with the bank or financing institution that issues the required lease letter. Registration must be completed through a DLD-accredited Real Estate Registration Trustee Centre.

How long does the DLD take to register a finance lease?

Finance lease registration typically takes 30–35 minutes at a Registration Trustee Centre, provided all documents are complete and valid.

Does the lessee need to be present for the finance lease registration?

Yes. The lessee must appear in person for identification. If represented, the representative must present a legally notarised Power of Attorney or an authorised board resolution (for companies).

Can corporate entities register a finance lease?

Yes. Sole establishments, LLCs, and foreign or Gulf Cooperation Council (GCC) companies may register a finance lease, provided they submit all required corporate documents—including the trade licence, Memorandum of Association, and a valid Power of Attorney or board resolution where applicable.

Do I receive a Title Deed after registering a finance lease in Dubai?

Yes. Once the finance lease is registered, the Dubai Land Department issues a Certificate of Title or Title Deed confirming the registered finance lease arrangement. The type of certificate depends on the property and the registration structure. All documents are issued electronically through the DLD system.

Can a finance lease be amended later?

Yes. A registered finance lease may be amended, but any modification—such as changes to the lease amount, term, or contractual details—must be processed through a DLD-authorised Real Estate Registration Trustee Centre. Amendments require supporting documentation from the financing entity and must be entered into the DLD system to have legal effect. The Dubai Land Department does not recognise unregistered changes.

Finance Lease Registration in Dubai – Register Your Finance Lease Contract via EGSH

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Finance Lease Registration Services in Dubai

Registration of Finance Lease Contracts Through DLD

EGSH processes finance lease registrations through the Dubai Land Department (DLD). This service formally records a finance lease agreement between the lessee (property holder) and the financing institution, ensuring the contract is legally recognised, enforceable, and linked to the official real estate register.

Through EGSH, clients register the finance lease contract, including the lease amount, start and expiry dates, and all required supporting documents. The registration produces a DLD-issued Title Deed or Certificate of Title reflecting the finance lease structure.

Why EGSH:

Authorised Real Estate Registration Trustee Centre
One-visit submission
VIP service with no queues
Fees limited to officially regulated government charges

Most finance lease registrations are completed in a single visit, with documents issued electronically through the DLD’s secure registration system.

Registration of Finance Lease Contracts Through DLD

Visit EGSH

Visit our authorised Real Estate Registration Trustee Centre during working hours—no appointment is required. You may also book your visit online at a convenient time.

Submit the Required Documents

Provide the finance lease letter issued by the bank, identification details, trade licence (if applicable), and supporting corporate documents.

Submit the Application

EGSH enters the finance lease details into the official DLD system, uploads documents through the Digital Safe, and ensures the contract is recorded correctly in the provisional real estate register.

Receive the Issued Documents

Once approved, you receive the DLD-issued Certificate of Title, Title Deed, maps (where applicable), and all related outputs electronically via email.

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
Friday: 9:00 am–12:00 pm; 2:00 pm–5:00 pm
Sunday: Closed

Call +971 4 612 1810 WhatsApp

For Individuals

Bank-issued finance lease letter (showing lease amount, start and end dates) and Emirates ID or passport copy for non-resident foreigners. Power of Attorney required for representatives.

For Sole Establishments

Valid trade licence, Emirates ID for identification or passport copy for non-residents, and Power of Attorney if submitted by an authorised representative.

For LLCs and Corporate Entities

Trade licence with parties and lineage page, job title certificate, and attested MoA with annexes. PoA or notarised board resolution required for authorised signatories.

Additional Requirements

Any supporting documents from the bank confirming lease terms, ensuring consistency with the details submitted for DLD registration.

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VIP Service

Personal assistance and priority processing with no queues.

Affordable Fees

Official government rates with transparent, fixed pricing.

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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 Finance Lease Registration in Dubai

Finance lease registration is a Dubai Land Department (DLD) procedure that records a finance lease agreement between a lessee (property user) and a financing bank or institution. Through this process, the financing arrangement, lease amount, duration, and the rights and obligations of both parties are formally entered into the DLD real estate register.

The registration is governed by Dubai’s real estate legislation, including Law No. (7) of 2006 on Real Property Registration and Law No. (13) of 2008 on the Interim Real Estate Register. Under these regulations, a finance lease must be registered through an authorised Real Estate Registration Trustee Centre to have legal validity.

Once recorded, the DLD issues the corresponding Title Deed or Certificate of Title, confirming the finance lease structure and ensuring that the property cannot be transferred or altered without an official amendment. Registration provides legal protection for the lessor and the lessee throughout the term of the finance lease.

When Finance Lease Registration Is Required

Finance lease registration is required whenever a property is leased through a financing arrangement in which a bank or financial institution acts as the lessor and the customer (individual or company) becomes the lessee. Under DLD rules, the agreement must be registered so that the lease value, financing terms, duration, and the rights of both parties are formally documented in the real estate register.

Registration is typically required when:

A bank issues a finance lease for a property
The financing entity provides a lease structure instead of an immediate transfer of ownership, and the property remains under its name until settlement.
The property is subject to deferred or instalment-based financing
Any arrangement involving scheduled lease payments linked to financing must be recorded with the DLD.
The agreement involves a change of possession or a long-term right of use
If the lessee is granted defined rights to occupy, use, or benefit from the property under a financing structure, registration is mandatory.
A legal record is needed for future DLD procedures
The finance lease must be registered before applying for modifications, settlements, title transfers, or other real estate actions.

Without registration through an authorised Real Estate Registration Trustee Centre, the finance lease has no legal effect before the Dubai Land Department.

How the Finance Lease Registration Process Works in Dubai

Finance lease registration follows a regulated process established by the DLD. The procedure is carried out exclusively through authorised Real Estate Registration Trustee Centres and includes the following features:

Submission Through Authorised Channels Only
A DLD-accredited Real Estate Registration Trustee Centre must process all finance lease registrations. Banks, individuals, or companies cannot complete the procedure independently without formal submission through the trustee system.

Mandatory Bank-Issued Lease Letter
The financing entity must provide an official letter confirming the lease value, start and expiry dates, and any financial terms to be recorded.

Document Upload Through the Digital Safe
All required documents are uploaded via the DLD Digital Safe, enabling verification of authenticity and ensuring that no document deficiencies exist before the registration request is processed.

Data Entry and Audit in the DLD System
Once verified, the trustee enters the lease information into the official DLD system. The file undergoes an internal audit to confirm compliance with the rules governing the provisional and primary registers.

Immediate Fee Calculation and Payment
Applicable government fees, including percentage-based charges on the finance rental value and fixed map or certificate fees, are calculated automatically. Payments must be made using authorised channels such as ePay, Noqodi, or a manager’s cheque.

Electronic Issuance of Outputs
After registration, the DLD issues the Certificate of Title, Title Deed, and maps (where applicable) electronically. All outputs are sent to the customer via email.

DLD Requirements for Registering a Finance Lease

The Dubai Land Department applies specific requirements to ensure that every finance lease contract submitted for registration is legally valid, accurately documented, and supported by the authorised financing entity.

Identity and Authority Verification
The lessee or authorised representative must appear in person at the Registration Trustee Centre. UAE nationals present their Emirates ID for identification only (no copy is collected), while non-resident foreigners must provide a passport copy. Representatives must hold a notarised Power of Attorney or a duly notarised board resolution.
Confirmation from the Financing Entity
All finance lease registrations must include an official letter from the bank or financing institution confirming the lease amount, start and expiry dates, and any applicable financial conditions.

Valid Licensing for Establishments and Companies
Sole establishments and LLCs must provide a valid trade licence. Corporate entities must also submit the Memorandum of Association with annexes (attested and legally translated into Arabic), the parties and lineage page, and a job-title certificate for the authorised signatory.
Document Completeness and Digital Safe Uploads
All required documents must be completed before submission. Under the DLD procedure, documents are uploaded and verified via the Digital Safe system, allowing auditors to confirm authenticity before the registration request is processed.

Official DLD Fees for Finance Lease Registration

The Dubai Land Department fixes finance lease registration fees in Dubai and must be paid through authorised government payment channels. Charges vary depending on the property type and the financial value being registered.

Registration Fee
0.25% of the finance rental value recorded in the lease contract.

Property Map and Title Issuance Fees

AED 250 for issuing a Certificate of Title/Title Deed
AED 100 for a land plot map outside the Dubai Municipality’s jurisdiction
AED 225 for a Dubai Municipality–unified land plot map
AED 250 for a villa or apartment map
AED 10 Knowledge Fee per drawing
AED 10 Innovation Fee per drawing

Service Partner Fees
As per the DLD-approved schedule:

AED 4,000 service partner fee (plus VAT)

Payment Channels
Fees must be paid through one of the official DLD payment methods:

ePay
Noqodi
Manager’s cheque payable to the Dubai Land Department

All fees are fixed in accordance with Dubai Land Department regulations and apply to every finance lease registration processed through an authorised Real Estate Registration Trustee Centre.

Where to Complete Finance Lease Registration in Dubai

Finance lease registration can only be carried out through channels authorised by the Dubai Land Department. All finance lease contracts must be submitted, verified, and processed at a DLD-accredited Real Estate Registration Trustee Centre, where the registration is entered directly into the official DLD system.

As an authorised Registration Trustee Centre, EGSH manages the entire finance lease registration procedure on behalf of individuals, sole establishments, companies, and banks. During your visit, our consultants:

Verify the lease letter issued by the financing entity
Review the required identity or corporate documents
Upload all materials through the Digital Safe system
Enter the finance lease registration request directly into the DLD platform
Calculate fees in real time through the official system
Issue the Certificate of Title/Title Deed and property map electronically once registration is complete

All outputs, including the Certificate of Title, Title Deed, maps and fee balance, are issued digitally via the DLD system.

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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Frequently Asked Questions About Finance Lease Registration

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