What does lease-to-own in Dubai legally provide for the buyer?

Lease-to-own registration protects the buyer’s contractual rights during the instalment period while legal ownership remains with the developer or financing entity.

Is Oqood delayed sale the same as lease-to-own registration?

Not exactly. An Oqood delayed sale is a broader category covering all instalment-based developer transactions, while lease-to-own is one specific structure within it. Both are registered through the Oqood platform and recorded in the provisional register.

When must a payment plan property in Dubai be registered with the DLD?

Registration must be completed within 90 days from the date of signing the contract, as required by the Dubai Land Department. If the developer fails to register the agreement within this statutory period, the arrangement has no recognised legal standing in the provisional register.

How does Dubai Land Department registration protect my rights?

Once the contract is entered into the DLD system, the instalment terms and the buyer’s contractual rights are formally recorded. The property cannot be resold, reassigned, or altered without a registered amendment.

How does the Oqood system by RERA record my lease-to-own contract?

Oqood creates a provisional register entry that links the unit, the developer, the purchaser, and the financial terms. This record serves as the legal reference point for all future actions, including amendments or transfers after full settlement.

Is the property payment plan in Dubai monitored by the DLD?

Yes. The DLD records the instalment schedule in the provisional register, and the developer must follow the registered structure. Any change to the schedule requires a formal update through the same system.

Does the developer payment schedule have to match the signed contract?

Yes. The DLD verifies the payment plan against the contract submitted for registration. Any inconsistency must be corrected before the contract is accepted into the provisional register.

Can instalments be paid through an escrow account in Dubai?

If the property is part of an escrow-regulated development, instalments must be handled according to the rules applicable to that escrow project. Payments are deposited into the designated escrow account in Dubai until construction and payment milestones are met.

Is lease-to-own valid for off-plan property registration?

Yes. Lease-to-own can be applied to off-plan units, provided the project is registered with the DLD and meets all requirements for provisional registration under the Interim Real Estate Register.

Is this structure considered a secure property purchase in Dubai?

Yes. By recording the agreement in the provisional register, the DLD ensures that the buyer’s rights, the payment plan, and the developer’s obligations are formally documented, creating a secure and transparent structure for the entire instalment period.

Lease-to-Own Registration (Delayed Sell – Oqood) in Dubai

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Oqood Registration in Dubai

Official Lease-to-Own Contract Registration Through the DLD

Receive official lease-to-own (Oqood) registration through EGSH—including contract submission, payment-plan entry, and issuance of the DLD-recorded provisional Lease-to-Own e-Contract required for future ownership transfer.

The service allows you to register a rent-to-own agreement in the Oqood system so that the payment schedule, obligations of both parties, and the buyer’s rights are formally recorded with the Dubai Land Department.

Why choose EGSH:

Authorised DLD Registration Trustee
VIP service with no queues
Fees limited to officially regulated government charges

Procedure completed in one visit; DLD registration is finalised within six business days.

Official Lease-to-Own Contract Registration Through the DLD

Visit EGSH

You can visit EGSH during working hours and be received immediately with VIP, queue-free service, or book your appointment online at a preferred time.

Submit the Required Documents

Provide the sale and purchase contract, identification documents, and any developer-issued payment or financing terms. EGSH reviews the documents and prepares them for Oqood submission.

Oqood Contract Registration

EGSH submits the lease-to-own contract and payment schedule through the authorised DLD Oqood system, where all contractual and financial terms are formally recorded in the Dubai Land Department register.

Receive the Lease-to-Own e-Contract

Once processed, you receive the official DLD-issued provisional Lease-to-Own e-Contract, which confirms registration and is required for future title transfer procedures.

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

For Individuals

Sale and purchase contract, valid Emirates ID, and passport copy for non-residents.

For Sole Establishments

Valid trade licence, Emirates ID or passport of the licence holder, and Power of Attorney (if applicable).

For LLC and Foreign/GCC Companies

Trade licence, ID or passport of the authorised signatory, Power of Attorney (if any), Memorandum of Association with annexes (legally translated into Arabic), and shareholder certificate.

Additional Requirements (If Applicable)

NOC from the relevant Free Zone for foreign companies purchasing property, and any financing or rental-value confirmation issued by the bank when the structure involves lender participation.

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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 Lease-to-Own Registration in Dubai

Lease-to-own registration is a Dubai Land Department procedure that records a rent-to-own agreement in the provisional real estate register through the Oqood system. The registration formally links the buyer, the developer, the financing or rental value, and the agreed payment plan to the specific property unit, giving the arrangement legal effect during the instalment period.

The process is performed according to the regulatory framework governing real estate registration in Dubai, including Law No. (7) of 2006 (Real Property Registration), Law No. (13) of 2008 (Interim Real Estate Register), and the controls applicable to off-plan and instalment-based transactions. Under these rules, any lease-to-own agreement must be recorded in the provisional register within the required statutory timeframe; otherwise, the arrangement has no legal standing before the DLD.

Once registered, the purchaser’s contractual rights and the developer’s obligations are officially documented in the DLD system, while ownership remains under the developer or financing party until full settlement. Registration produces an official provisional lease-to-own contract, which is later used to complete the ownership transfer once all payments are satisfied.

How Oqood Records Lease-to-Own Transactions

Oqood is the Dubai Land Department’s platform used to register lease-to-own agreements in the provisional real estate register, ensuring that the contract, the parties, and the entire payment structure are legally documented during the instalment period. When the registration request is entered into Oqood, the system creates an official record that links the unit, the purchaser, the developer, and the financing or rental-value terms under the controls of the Interim Real Estate Register.

Through this entry, the DLD captures all core components of the arrangement: the sale and purchase contract, the rent-to-own structure, the financing or rental value issued by the bank (where applicable), and the payment schedule that will apply until settlement. The record remains active for the duration of the agreement. It serves as the legal basis for any subsequent DLD procedure, including amendments, assignments, or preparation for future ownership transfer.

Because lease-to-own agreements involve deferred transfer of ownership, Oqood functions as the mandatory channel for documenting the purchaser’s rights before the title can be issued. Only after the contractual obligations are fulfilled and the developer confirms full settlement can the transaction move from the provisional register to the primary Real Property Register, allowing the Title Deed to be issued in the purchaser’s name.

When the DLD Lease-to-Own Registration Is Required

Lease-to-own registration is required when a buyer and a developer enter into a rent-to-own or payment-plan structure in which the transfer of ownership cannot take place immediately. This applies to off-plan units, ready properties sold with instalments, developer-backed financing models, and any arrangement where payments are distributed over an agreed term and full settlement has not yet occurred.

Registration is also mandatory when the developer or the financing entity retains legal ownership until the purchaser completes all instalments. In such cases, the lease-to-own contract must be entered into the provisional register so that the purchaser’s rights and payment obligations are formally recorded and enforceable. Under the official DLD service terms, the sale and purchase contract must be registered in the provisional register within 90 days from the date of signing.

Registration is additionally required when the property is part of an active development project. Developers must register all rent-to-own agreements within the statutory period; if the contract is not registered, the arrangement has no recognised legal effect before the Dubai Land Department.

Key Features of Deferred Title Transfer in Dubai

A lease-to-own contract registered with the Dubai Land Department forms a legally binding structure in which the purchaser’s rights, the developer’s obligations, and the full payment schedule are formally recorded in the provisional real estate register. This registration is what gives the arrangement legal standing during the instalment period; without it, the agreement is not recognised by the DLD and cannot be used in any subsequent real estate procedure.

Throughout the payment term, legal ownership remains under the developer or the financing entity, while the purchaser holds registered contractual rights documented in the DLD system. This prevents the property from being resold to another party, ensures that the terms of the agreement cannot be altered without a formal amendment, and provides a traceable record for all future DLD actions, including assignments, mortgage registration linked to the arrangement, or preparation for final transfer.

If the unit belongs to a development project operating under an escrow structure, instalments are handled in accordance with the controls governing that project. Once all payments are completed, the developer issues a settlement confirmation, and the transaction becomes eligible to move from the provisional register to the main Real Property Register, allowing the issuance of the Title Deed.

What Happens After Full Payment

Once all instalments under the lease-to-own agreement are completed, the developer or financing entity issues an official settlement confirmation. The buyer (or authorised representative) then submits a request through a Registration Trustee to finalise the transfer of ownership.

The DLD reviews the file to confirm that:

The lease-to-own contract is properly registered in the provisional register
All instalments recorded in the payment schedule have been cleared
There are no outstanding restrictions, mortgages, or procedural holds affecting the unit

After verification, the DLD processes the transfer directly from the provisional real estate register into the main Real Property Register and records the ownership in the buyer’s name. As part of the same finalisation procedure, the DLD issues the Title Deed after government fees are paid.

DLD Fees for Rent-to-Own Property Registration

The fees are calculated on the basis of the contract value and must be paid through authorised DLD channels at the time of registration.

The standard government charges include:

2% of the rental value—payable by the lessee (tenant) when a financing or rental-value component is part of the structure
2% of the sale value—payable by the seller
2% of the sale value—payable by the purchaser
AED 10 Knowledge Fee + AED 10 Innovation Fee—applied per registration entry
AED 1,000 Oqood self-registration fee—applicable when the developer submits through the Oqood Developers Portal.

Payment may be made through Noqodi Wallet or, where applicable, by deduction from the escrow account assigned to the development project. All fees are fixed in accordance with DLD regulations.

Where to Complete Oqood Contract Registration

Lease-to-own registration can only be completed through channels authorised by the Dubai Land Department. The primary route is an accredited Real Estate Registration Trustee Centre, where all contract details, parties, and payment-plan terms are entered directly into the DLD system.

As a licensed Registration Trustee Centre, EGSH handles the entire procedure on behalf of buyers, developers, and financing entities. Our consultant verifies the contract, checks the supporting documents, records the required payment schedule, and submits the file through the DLD’s secure Oqood platform in a single visit to the centre.

Registration is processed through the DLD’s electronic system, ensuring that the Lease-to-Own agreement is recorded correctly in the provisional real estate register and becomes fully compliant with Dubai Land Department requirements.

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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