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Starting from
AED 26,61,820
Every report is signed by Javier Sanz for Oliva DB Properties CO. L.L.C. S.O.C., RERA BRN 1573501.
Underwriting Report: free. Built from DLD and Ejari records, ending in a verdict that can say do not buy. Delivered instantly, on screen and by email.
Project facts
One card per unit type, with the entry price and average size recorded for this project. The verdict and the fair-value gap are in the underwriting report.
Per-unit scoring coming nightly
Our scoring engine refreshes overnight. Once unit-type rows publish for this project, each unit will appear here with its own breakdown.
How the developer takes the money, and which slice of it a UAE bank will lend against.
Three phases. Phases 1 and 2 are paid directly to the developer; only the final phase (Upon Handover) is what a UAE bank will mortgage.
Amounts shown for the 1 Bedroom tier at the project's starting price (AED 26,61,820), in your selected currency.
Pay the developer in stages as construction progresses. No interest. Milestones are set by the developer.
Absolute amounts computed from the starting price for this bedroom tier, converted to your selected currency at live FX rates.
What the purchase costs on top of the price, and what the monthly payment looks like if you finance it.
The price is not what you pay. Dubai adds statutory transfer and registration fees on top, and the bank adds its own if you finance. The figures below start from the AED 2,661,820 entry price at Al Habtoor Tower and show every line you settle at transfer.
AED 532,364 · minimum 20% for your status
Indicative. Fixed-period offers and EIBOR-linked variable rates differ by bank.
25 years is the UAE maximum. Age limits at maturity can shorten it.
LTV caps. UAE Central Bank rules let a resident expatriate borrow up to 80% on a first property at or below AED 5m, and up to 70% above that. A second property drops to 65%. Financing taken before completion is capped at 50% whatever your status. These figures assume you mortgage at or after handover, once the unit is a completed registered property.
Updates as you change the numbers above
| Item | Charged by | How it is worked out | Amount |
|---|---|---|---|
| Entry priceCharged by Developer · Starting from, smallest unit | Developer | Starting from, smallest unit | AED 2,661,820 |
| DLD transfer feeCharged by Government · 4% of the price | Government | 4% of the price | AED 106,473 |
| DLD admin feeCharged by Government · Fixed, apartments and offices | Government | Fixed, apartments and offices | AED 580 |
| Title deed issuanceCharged by Government · Fixed | Government | Fixed | AED 250 |
| Registration trustee office feeCharged by Government · AED 4,000 plus 5% VAT | Government | AED 4,000 plus 5% VAT | AED 4,200 |
| Agency feeCharged by Oliva · Off-plan, the developer pays our commission and you pay Oliva no agency fee | Oliva | Off-plan, the developer pays our commission and you pay Oliva no agency fee | AED 0 |
| Developer NOCIndicativeCharged by Developer · AED 2,000 plus 5% VAT | Developer | AED 2,000 plus 5% VAT | AED 2,100 |
| Mortgage registrationCharged by Government · 0.25% of the loan plus AED 290 | Government | 0.25% of the loan plus AED 290 | AED 5,614 |
| Bank arrangement feeIndicativeCharged by Bank · 1% of the loan plus 5% VAT | Bank | 1% of the loan plus 5% VAT | AED 22,359 |
| Property valuationIndicativeCharged by Bank · AED 3,000 plus 5% VAT | Bank | AED 3,000 plus 5% VAT | AED 3,150 |
| Fees and charges5.44% of the price | 5.44% of the price | AED 144,726 | |
| Down paymentCharged by Developer · 20% of the price | Developer | 20% of the price | AED 532,364 |
| Total cost to buyEntry price plus all fees, however you pay | Entry price plus all fees, however you pay | AED 2,806,546 | |
| Cash you need at transferDown payment plus all fees | Down payment plus all fees | AED 677,090 |
On off-plan purchases the developer pays Oliva a commission and you pay Oliva no agency fee. On ready and secondary-market purchases where Oliva acts for the buyer, the client pays Oliva 2% of the purchase price plus 5% UAE VAT at transfer, less any buyer-representation retainer already paid, which is credited in full. The Underwriting Report is free.
Since February 2025 you cannot borrow the fees. UAE banks no longer roll the 4% DLD transfer fee into the mortgage. It is settled in cash at transfer, which is why the number above is larger than the down payment alone.
VAT at 5% applies to the services in this table, meaning agency, trustee, bank and NOC. It does not apply to the residential price itself.
Lines marked indicative vary by bank, developer and deal. The NOC is set by the developer and on a resale it is often paid by the seller. Government lines are published tariffs. Buying off-plan directly from a developer registers as an Oqood rather than a title deed, and some developers absorb or defer the DLD fee as an incentive.
AED 2,129,456 over 25 years at 4.99%, repaid monthly on a standard amortising loan.
This is the instalment on the loan only. It does not include the annual service charge, building insurance, life cover or DEWA. Banks size your borrowing so that total monthly debt stays inside 50% of your income, and they require the property to value at or above the price you agreed.
All of this is arithmetic on the asking price. It tells you what the purchase costs, not whether AED 2,661,820 is the right price to pay for Al Habtoor Tower. That question needs comparable transactions, the rents comparable units achieve and the supply landing around it, and it is what the underwriting report answers.
What is being built, how it is specified, and how the developer takes payment.
Gracing the famed Dubai skyline, the newest addition to Al Habtoor City — Al Habtoor Tower - awaits. This majestic tower in the most coveted neighbourhood, on the banks of the Dubai Water Canal, represents exceptional living raised to the highest level of luxury in an all-inclusive setting, and boasting stunning views of the city and sea.
Confirm accepted methods with your advisor before booking. Crypto and credit card availability varies by developer.
Who is building this, and what they have delivered in Dubai so far.
Al Habtoor Group is the developer behind Al Habtoor Tower, founded in 1970, privately held. Dubai Land Department records show 2 more in development.
habtoor.comOpens in a new tabThe Al Habtoor Group is one of the UAE's most respected and successful businesses. Today it operates in the UAE and international markets. It employs thousands of highly-qualified, experienced professionals. Just as the name of the UAE has become synonymous with trade and enterprise all over the world, the name of the Al Habtoor Group has become synonymous with dynamic growth, evidenced by its commitment to develop and grow businesses in multiple sectors.
Counts come from the Dubai Land Department project register.
The last 2 projects this developer brought to market.
Project and unit counts come from the Dubai Land Department register. Company facts checked against alhabtoorgroup.com on 17 April 2026. Delivery performance is analysed in the Oliva Underwriting Report.
Where this project sits, what surrounds it, and how long it takes to reach the places your tenant cares about.
Walking and driving distances from Business Bay, sourced from Google Places and refreshed by our area survey. Nearest six per category, three shown.
Everything above is a fact about this project. None of it tells you whether it is worth buying. Five questions decide that, and none of them can be answered from a project page:
The verdict on this specific project at this specific entry price.
What actually reaches your account once the service charge, agency and voids are paid.
What comparable stock is transacting at, and how far this entry price sits from it.
What you get out at three, five and ten years, and what has to be true for that.
How many competing units hand over into the same rental market in the same window.
These figures are part of the Oliva Underwriting Report, which is free on request, and are not shown on this page.
The verdict on this project is ready
Every report is signed by Javier Sanz for Oliva DB Properties CO. L.L.C. S.O.C., RERA BRN 1573501.
Free. Built from DLD and Ejari records, ending in a verdict that can say do not buy. Delivered instantly, on screen and by email. No calls unless you ask.
The report also carries the comparable DLD transaction analysis, the Ejari rental history for this project, the developer delivery track record, and the numeric Oliva Score with its six-dimension breakdown.
Free. Built from DLD and Ejari records, and the verdict can say do not buy. Delivered instantly, on screen and by email. No calls unless you ask.
Compare investment fundamentals across similar off-plan projects in the same area.
About this project
Al Habtoor Tower is developed by Al Habtoor Group. Review their track record, delivered project count and Oliva developer score before signing a Sale and Purchase Agreement.
Al Habtoor Tower is located in Business Bay, Dubai. The investor page tracks the area's rental yields, transaction volume and 5-year price growth pulled from Dubai Land Department records so you can benchmark Al Habtoor Tower against the surrounding cluster.
The published payment plan for Al Habtoor Tower is 10% On booking, 50% After booking, 40% Upon Handover. Developers occasionally file revised plans with RERA during the build, so confirm the live milestones directly on the Sale and Purchase Agreement before transferring any deposit.
Al Habtoor Tower is scheduled for handover in 2026 based on the developer's filing with the Real Estate Regulatory Agency. Off-plan handover dates in Dubai can move; the figure above updates whenever the developer revises the delivery date with RERA.
Al Habtoor Tower offers 1-bed, 2-bed and 3-bed layouts (bedroom range 1-3). Aggregate floor-plan and starting-price information appears in the unit-types section above; the registered DLD transaction and Ejari rent analysis for the building is part of the Oliva Underwriting Report.
Buying off-plan in Dubai
Off-plan projects in Dubai must be registered with the Dubai Land Department (DLD) and the Real Estate Regulatory Agency (RERA). Verify the project number on the DLD website before signing a Sale and Purchase Agreement, and confirm the developer holds an active escrow account for buyer payments.
Standard Dubai off-plan fees include the 4% DLD transfer fee, an Oqood (off-plan registration) fee of around AED 3,000, NOC fees from the developer (typically AED 500 to 5,000), and any agent commission agreed in the listing contract. Service charges and Mollak fees apply post-handover.
Dubai allows freehold ownership for non-resident foreign buyers in designated freehold zones, which include the majority of new off-plan launches. Title is registered in the buyer's own name at the Dubai Land Department, with no nationality restriction on resale.
Most Dubai off-plan payment plans split the price between a 10% to 20% down payment, instalments tied to construction milestones during the build (commonly 50% to 60%), and the balance on handover. Some developers offer post-handover plans that extend payments 1 to 5 years after completion.
Oliva scores every Dubai off-plan project on six dimensions: Financial Value, Market Dynamics, Location, Developer Trust, Risk, Macro Context, and Liquidity. Each dimension blends DLD transaction data, developer track record, area-level rental yields, and the project's payment plan into a single comparable score.
