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From our advisors

Make sure the seller can sell the home

Before you pay a deposit on a resale home, confirm who owns it, whether it carries a mortgage and who has the authority to sign. The ownership document should name the seller as their ID does. If a bank holds a mortgage over the home, the sale needs a clear plan for releasing it at transfer. If someone signs for the owner, their authority must be documented. Ask to see the ownership document and the seller's ID, and ask your agent how any mortgage will be cleared on transfer day. Where a representative acts, request the power of attorney and confirm it c

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From our advisors

Give buyers a clear floor plan

Photos show finishes, but a floor plan shows how rooms connect, and that is often what decides whether a viewing is worth booking. Buyers living abroad rely on it even more. A clear plan filters enquiries early, so the people who visit already know the layout works for them, and fewer viewings end in a polite no at the front door. Use the official plan for your unit where you have one, and label each space as the plan does: a study is not a bedroom unless the documents say so. Keep any area figure consistent with your ownership documents. If you own a to

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From our advisors

Register the renewed lease, too

Agreeing to renew is only half the job. A renewal starts a new contract period, so the registration needs updating with the new dates and terms. Confirm with the landlord who will process it, through which channel and when, and check that the renewed contract shows the right rent, start date, expiry date and number of instalments. Keep the new registered copy with your file and hand over any new cheques against a signed receipt. Example: a tenant renews verbally in Al Bateen, but the registration still shows last year's expiry date when a service provide

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From our advisors

Know the defects period after your handover

Some faults only appear after a few months of living in a home: a slow leak behind a wall, a door that drops, an AC unit that struggles in its first summer. Your purchase agreement may set out what happens next. Ask what it states about defects after handover: the period covered, how to log a defect and how quickly the developer aims to respond. Keep two separate, dated records. The first is the snag list agreed at handover, with each item marked when it is fixed. The second is a log of defects that appear later, each with a photo, the date you noticed i

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From our advisors

Get any launch incentive written into the contract

Launches often come with offers attached: a period without service charges, a furniture package, a flexible payment plan. These can matter to your budget, but only if you can rely on them later. An offer mentioned in a presentation, a brochure or a message may carry conditions that are not obvious, such as a deadline to sign or a payment that must be made first. Before you sign, ask for each incentive to appear in the purchase agreement or in a signed addendum, with its conditions and dates stated plainly. Check, for example, when a service charge waiver

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Count the costs around your Down Payment

Your Down Payment is the largest amount you prepare, but it is rarely the only one. Buying a ready home in Abu Dhabi also brings registration and transfer charges, mortgage arrangement and valuation costs, required insurance, moving, furnishing and service charges that start from

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From our advisors

Test the monthly payment against a higher rate

Many home loans start with a fixed rate for a set period and then move to a rate that can change. A payment that feels comfortable today may feel different once that period ends. Testing your budget against a higher rate before you commit shows how much room you have, and whether the purchase still works if borrowing becomes more expensive. Use ADREC's online mortgage calculator or your bank's tool to run your expected loan at the offered rate and again at a noticeably higher one. Add service charges and insurance, spread monthly, to both results, then c

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