Questions & Answers
Questions & Answers
6 available 6 • View allRefund of a deposit paid by the buyer of a real estate property
2
Q: Hi,
I had signed an MOU to buy an apartment. I had the following clause in the MOU:
"This sale purchase contract is subject to the final approval from the Buyers Banks"
My mortgage has been rejected by one bank. While I was processing my mortgage with another bank the MOU expired and the seller is not willing to extend the MOU. Can I claim my deposit check back from the agent?
Thanks,
Dinesh

Jul 18, 2017
5311
Seller cleared mortgage late, bank declined disbursement - what to do?

1
Q: Dear all,
I am writing to you regarding a property sale breach of contract. I signed a Memorandum of Understanding (MOU) as the buyer of a mortgaged property in Dubai.
The purchase I am making is also through a mortgage. However, the seller only cleared the mortgage on the property he is selling to me after I received the final offer letter from the bank for the mortgage I applied for, based on the documents I submitted.
The seller signed the MOU to sell a mortgaged property and provided the documents to support this. However, my bank has declined the disbursement because the details have changed without prior notification or explanation.
In order to complete the transfer, I have to reapply for a mortgage. The seller has refused to extend the MOU, and a new title deed has to be issued according to the new details of the mortgage-free property.
How can I best deal with this situation, since the MOU has expired and everything was done on time from my side?
Thank you!


Aug 15, 2023
311
How to protect your rights when you buy a property on mortgage
1
Q: A property seller intends to settle their property mortgage with their bank before selling the property to me.
In other words, the seller said they wanted to go to their bank, wire the outstanding balance to their bank, and wait for the mortgage settlement confirmation letter by the bank.
How long does this process usually take in the UAE? Are there any delays by the banks?

Nov 2, 2021
329
We applied for a mortgage and signed Form F but failed to secure it due to job loss. What can we do?

0
Q: This was my initial question:
My brother and I applied for a mortgage loan for a property from a bank and we signed Form F with the real estate agency back in March 2024.
However, during this process, we both lost our jobs, and thus the mortgage wasn’t approved and Form F expired.
We also informed the real estate agency of such circumstances as to why we won’t be moving ahead.
Yesterday, we were both along with the real estate agency given a legal notice to pay the 10% deposit which was contracted in Form F.
However, this already expired and the real estate agency has gone missing along with the agents we were dealing with.
The owner says the same that he wasn’t informed about it and will continue with the case.
Now even after our reply to the legal notice, the owner has filed a lawsuit and there is now a court date online.
What would be the best way to proceed and how can we make this lawsuit go away?
It is causing us a lot of stress.


Feb 6, 2025
79
I secured a mortgage from the bank and the broker kept delaying until the MOU expired. What to do?




0
Q: Hi,
I need some guidance regarding a property transaction that is not progressing as expected.
My broker initiated a manual Memorandum of Understanding (MOU) between me (the Buyer) and the Seller, with an expiry date of 01/02/2025. Within this period, I successfully arranged the bank mortgage, property evaluation, and NOC.
However, the broker started giving excuses, such as the seller being hospitalized. Later, the broker attempted to arrange a Power of Attorney (POA).
However, after that, they started ignoring my messages and calls. It now seems like they no longer intend to proceed with me, and the MOU has already expired.
Meanwhile, my bank EMI has already started, and I have paid two monthly installments. The broker is still unresponsive. I have raised multiple complaints through DLD RVS against the broker, but the response has been very slow and unsatisfactory.
I’m feeling stuck and financially burdened.
Please advise





+1
Apr 9, 2025
131
A buyer is delaying the property purchase. Can I take legal action through DIFC Court?




0
Q: Hello,
My buyer keeps delaying the purchase of my property. First, he took 2 weeks to register the DEWA. Then he delayed the handover until the 14th of April.
On the 12th of April, he disclosed that he was selling his own apartment and would have the money by the 16th or 17th of April. Now he wants an extension on the MOU, which expires on the 20th of April.
He has shown me bank cheques from his buyer, but he won't let me cash the 10% deposit and wants to give a new cheque dated 30th April for the full handover.
In that time, I've paid for an NOC (1,050 AED), NOC renewal (525 AED), bank liability letter (65 AED), and service charges (2,600 AED). If the sale doesn't complete by the 23rd of April, I'll have to pay another 1,050 AED NOC charge and 65 AED for a new bank liability letter.
My buyer doesn’t have the money for a non-refundable deposit. I asked for a deposit now to extend the MOU.
How can I take him to court in DIFC, and what are the fees involved to get the deposit?





Apr 17, 2025
27
Legal blog
1 available 1 • View allContracts 101: Official Agreements to WhatsApp Messages 2
An interview-format article covering the topic of contracts in the UAE. This is from the legal podcast of lawyer Ludmila Yamalova, the founder of Lawgical with LYLAW.
Mar 3, 2021
1153
Laws & Regulations
2 available 2 • View allFederal Law No. (5) of 1985 On the Civil Transactions Law of the United Arab Emirates 96
The provisions of this law, promulgating UAE Civil Code, govern the civil transactions in the United Arab Emirates. The commercial transactions remain subject to the laws and regulations applicable in their regard.
Dec 15, 1985
148513
Law No. (14) of 2008 Concerning Mortgages in the Emirate of Dubai 0
The provisions of this Law apply to the mortgage of real roperty as security for debt. It makes no difference whether the debt is secured by a charge over the whole of the property or over an undivided interest therein or by right in rem or personal right over a property marked as sold off-plan.
Aug 14, 2008
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After 11 months of work, how many leave days is an employee entitled to? 0
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Can't get an NOC from my old employer. How should I proceed with the new visa? 0
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Hello,
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How can we claim our money back if the cheque we received have bounced for insufficient funds? 0
We received a cheque which has now bounced. We have tried for over a month and a half now to get a new cheque from the person, and every day he says the next day.
We need the money now. We have been to the police station, and they said they can not do anything as the reason the cheque bounced is "Insufficient funds."
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After 11 months of work, how many leave days is an employee entitled to? 0
Hello,
I want to inquire regarding my leave privileges. I am now 11 months in my company. How many leaves am I privileged to?
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What can I do if I got a judgment in absentia for selling medicine without a license? 0
I got an order of 6 months imprisonment and deportation for a judgment in absentia by the Sharjah court for selling medicine without a license. I was not involved in the case directly; my friend used my car, and he had my bank card.
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They gave a date for the judgment, but it was not issued, and they gave the next date. I have been suffering a lot for the last 3 months here in the UAE and for 6 months back home.
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Will the case be open for retrial, and will the CID be convinced by my logic?
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Can I keep my daughter's physical Emirates ID if the custodian already has the digital copy? 0
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Hello,
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4. Is there a recommended timeline or deadline after which legal steps should be initiated?
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