If you’re thinking about buying a property in Sharjah, whether it’s a villa or an apartment, you’ll need to navigate a few important steps to make sure everything goes smoothly.
One of the most important parts of the process? Getting your paperwork in order.
From your Emirates ID to a No Objection Certificate, every document plays a key role in ensuring the transaction is valid and legal.
Here’s a straightforward guide to help you understand what’s needed when you decide to buy an apartment in Sharjah real estate.
1. Emirates ID & Passport
If you’re buying property in Sharjah, you’ll need to show proof of identity. For UAE residents, that means a valid Emirates ID and a copy of your passport.
Expats who aren’t residents yet will need their passport and visa details. These documents are the foundation for any property purchase, so keep them handy.
2. Proof of Income
Whether you’re buying outright or going for a mortgage, you’ll need to prove you can afford the property. Here’s what you’ll usually need to provide:
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Salary slips if you’re employed.
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Audited financial statements if you own a business.
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Bank statements (typically for the last 6–12 months).
These documents give sellers or lenders confidence that you’re financially capable of completing the purchase.
3. Pre-Approval for Mortgage
If you’re planning to finance your purchase with a loan, getting pre-approval is crucial. Most banks in the UAE offer mortgage services, and having a pre-approval letter helps you know your budget and shows sellers you’re serious about buying.
Plus, it speeds up the whole process when you’ve found the perfect property you want to buy.
4. Sale Agreement (MOU)
Once you’ve chosen your dream home, the next step is signing a Memorandum of Understanding (MOU), often referred to as the sale agreement. This document lays out the terms of the sale, such as:
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The price you’ve agreed on.
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Payment terms and deadlines.
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Any special conditions, like repairs or furnishings included in the sale.
Both the buyer and seller sign this document, and it serves as a legal commitment to the transaction.
5. No Objection Certificate (NOC)
Before the sale can be finalized, you’ll need a No Objection Certificate from the property developer. The NOC confirms that the property is free of liabilities, such as unpaid service charges.
It’s especially important for freehold properties in Sharjah, ensuring that the property can be legally transferred to your name.
5.1 Title Deed
Once the transaction is complete, the Sharjah Real Estate Registration Department (SRERD) will issue a title deed in your name. This is the final and most important document, proving that you are now the legal owner of the property.
5.2 Contracts You’ll Need
Property transactions in Sharjah are built on solid agreements to protect both parties. Here’s what you’ll need to secure:
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Contracting Agreement Copy: A vital document to outline the terms of the sale.
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Authenticated Marketing Contract: This ensures transparency during the sale process.
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Initial Unified Form: A mandatory form provided by SRERD to standardize the transaction process.
Documents to Have Ready
Before heading to SRERD, you’ll need to prepare quite a list of documents. Don’t worry—it might look long, but it’s all pretty straightforward:
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Copy of the title deed in the name of the commercial license.
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An official map of the plot and general project plans approved by authorities.
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Personal documents like the developer’s passport and ID card.
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Building permit from Sharjah Municipality (issued within three months).
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Completion certificate from either the municipality or the Roads and Transportation Authority.
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Project Name Approval Certificate (depending on whether it’s a tower or a complex).
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The company’s commercial license and memorandum of association.
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A detailed schedule of units (both hard copy and Excel format).
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A bank guarantee letter issued using the SRERD template.
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A statement of buyer names.
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Acknowledgment receipt of electrical plans from SEWA.
It’s a good idea to double-check with the relevant departments to ensure you’ve got everything in order.
Fees and Costs
The property buying process in Sharjah comes with a small fee—AED 1,020.50. This covers the administrative costs, and you’ll get an official receipt from the Sharjah Real Estate Registration Department (SRERD) as proof.
For property title transfers, an additional fee of AED 500 applies.
Departments Involved in the Process
The main hub for all this paperwork is the Sharjah Real Estate Registration Department (SRERD). However, other key departments will play a role in issuing the documents you need:
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Sharjah Municipality: For building permits.
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Roads and Transportation Authority (RTA): For the completion certificate.
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Planning and Survey Department: For property conformity reports and project name approvals.
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Sharjah Electricity and Water Authority (SEWA): For electrical plan acknowledgments.
It’s a bit of a journey, but having a checklist like this makes it much easier to manage.
Overall, the process generally starts with these steps:
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Get initial approval: Register your real estate project with the Sharjah Real Estate Registration Department (SRERD).
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Planning report: Obtain a report from the Planning and Survey Department to confirm the property meets all conditions.
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Registration forms: Fill out the project registration form and sign the required undertaking provided by the SRERD.
Top Areas to Buy Property in Sharjah
Sharjah offers a wide variety of neighborhoods, each with its own charm. Here are some popular areas to consider:
1. Al Khan
If you love waterfront living, Al Khan is the place to be. It’s known for its scenic views and modern apartments. Properties here are perfect for expats looking to buy apartments in Sharjah.
2. Al Tai
This is a great choice for families looking for spacious villas in Sharjah. Al Tai is quiet, green, and close to schools and parks.
3. Muwailih Commercial
Popular among families and young professionals, Muwailih offers affordable apartments with easy access to schools and highways.
4. Al Nahda
This neighborhood is a favorite among commuters, thanks to its proximity to Dubai. It has a mix of luxury and affordable flats, making it ideal for buyers with varying budgets.
How Can I Contact Sharjah Real Estate Registration Department (SRERD)?
If you have any questions or need assistance, SRERD is your go-to. Here’s how to get in touch:
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Location: Al Layah, Sharjah, UAE
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Opening Hours: Monday to Thursday, 7:30 am to 3:30 pm
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Phone: +971 6 512 4444
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Website: shjrerd.gov.ae
Can expats buy property in Sharjah?
Yes! Expats can buy property in specific areas under freehold or long-term leasehold arrangements.
What’s the average cost of a property in Sharjah?
It depends on the type and location:
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Apartments: AED 400,000 to AED 1 million.
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Villas: AED 1.5 million to AED 3 million.
How long does it take to buy a property in Sharjah?
Once all documents are ready, the process usually takes 2-4 weeks.
What are the best areas to live in Sharjah?
Some of the most popular neighborhoods include:
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Al Nahda: Perfect for commuters, with great access to Dubai.
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Aljada: A modern community with all the amenities.
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Al Taawun: Great for waterfront living.
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Al Khan: Ideal for those who enjoy luxury and scenic views.
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Al Majaz: Known for its picturesque waterfront parks, cultural landmarks, and family-friendly atmosphere.
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Al Jazzat: A tranquil residential area, perfect for families seeking spacious villas and a peaceful environment.
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Al Qasimia: Centrally located, offering affordable housing options and close proximity to shopping centers and schools.
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