UAE Real Estate

Memorandum of Understanding (MOU) for sale of property in the UAE


Tijana Kirkov


27 January 2023


The Memorandum of Understanding, also known as MOU, Form F or Contract F, is a written agreement between two or more parties that outlines the terms and conditions of their relationship. Dubai's business and trade environment relies heavily on MOUs for formalizing relationships between companies involved in business deals. Furthermore, MOUs are used in a wide range of sectors, including real estate, as they provide clear guidelines regarding key terms, facilitating smoother transactions.

Memorandum of Understanding in UAE real estate

The MOU - Memorandum of Understanding is an integral part of the property-purchasing process. This is an agreement/contract that the real estate agent usually prepares, which both the buyer and seller sign, setting out the terms and conditions for the purchase of a property.

The MOU or Form F is one of the RERA real estate forms and it’s available on the official website of the Dubai Land Department. Buyers and sellers must sign this contract at the Registration Trustee's office in front of a witness (usually the agent). Additionally, the buyer must pay a 10% security deposit to the Registration Trustee, which is refunded once the property transfer is complete.

After the MOU is signed, the next step involves obtaining the NOC or No-Objection Certificate from the developer. As soon as the NOC is issued, the parties can attend the Dubai Land Department to transfer ownership and obtain a title deed

Here’s an example of the first page of the Memorandum of Understanding:
Oqood portal main menu screenshot.

Important to note

In order for the MOU to be legally binding in Dubai and the UAE, the following conditions must be met:
  • An MOUs must be written in English and/or Arabic and all parties involved must sign it. 
  • Information such as the date the contract was signed, the parties' names, addresses, contacts, etc. should be included in the document.
  • Any applicable laws that govern the contract's enforceability should be clearly defined in the contract, along with each party's rights and responsibilities.
It is important that both parties keep a copy of the MOU for future reference and use in the event that a dispute arises concerning its terms, performance, or non-performance of obligations. Before signing the MOU, both parties should fully understand its contents and purpose. 

Next steps 

In this article, we provided you with an overview of what Memorandums of Understanding are and what their role is in real estate transactions. Also, the Kredium team can assist you in completing the contract, explaining the terms and next steps in the process of buying a property, guiding you from beginning to end and making the process as simple as possible. Contact us or register on our website for additional information or any inquiries you may have.

We can also assist you in finding a property in Dubai if you haven’t done so yet. Contact us or register on our website to get in touch with our experienced real estate and mortgage professionals or browse through our search portal with an extensive and growing portfolio of available apartments in Dubai developed by Dubai’s most prominent real estate developers.

We offer tailor-made mortgage offers and guide our customers through the entire mortgage process, whether they are UAE nationals, expats living in the UAE, or non-residents. Additionally, you can use our mortgage calculator to figure out your monthly mortgage payment, and rental yields. For more information on UAE mortgages and real estate, head over to our blog section.
Photo credits:
  1. MOU Illustration | fsmatters
  2. MOU example | DLD


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