Dubai real property marketers to ask on your revenue certificates?


I considered a condominium in Dubai and determined to head for it. However, when I approached the real estate firm, an agent told me I needed to set up earnings certificates and a 3-month bank announcement. In all my years in Dubai, that is the first time I have heard of such a component. I instructed the agent that my revenue became none of his enterprises and that I might post copies of my passport, visa, Emirates ID, and my wife’s, as required, using the regulation. He told me the revenue certificate requirement became an “internal policy” of his company. Are our actual property retailers entitled to access my earnings information? If not, how do I complain about it now?


Regarding your queries, we expect you to have a brand new apartment to rent or shop for in the Emirates. It is to be mentioned that Dubai’s actual estate agents are regulated through Bylaw No 85 of 2006, regulating the Real Estate Brokers Register within the Emirate of Dubai (the ‘Real Estate Agent Law’). The stated regulation does not obligate brokers or retailers to reap customer income certificates to finalize a deal associated with shopping for or renting a condominium.

Therefore, you may deny supplying your salary certificates and 3-month bank statements to the actual estate agent as there’s no provision within the law of the emirate of Dubai to offer such requirements at the same time as purchasing or renting a condominium. If the real estate agent denies you to complete the formalities for both buying the condominium or in case you are looking out for the condominium on hire. Such denial via the real estate agent violates Articles 18 and 22 of Dubai’s Real Estate Agent Law.

Article 18 of the Real Estate Law of Dubai states: “A dealer shall no longer mediate to enter into a transaction that violates the laws and guidelines relevant inside the Emirate.”

Further, Article 22 of the Real Estate Law of Dubai states: “A booking shall be chargeable for any losses or damages inflicted on any of the contracting parties because of his acts thru deception, fraud or non-observance of the standards to be followed as in step with the provisions of this Bylaw or accordance with the requirement of the Code of Ethics.”

Consequently, it can be cited that inside the UAE, an individual’s right to privacy is blanketed under the UAE Penal Code.

Further, Article 379 of Federal Law No. 3 of 1987 on the issuance of the Penal Code states: “Punishment using detention for a duration of no longer much less than twelve months and via a first-rate of now not less than Dh20,000, or both of those two consequences, shall observe to absolutely everyone who’s entrusted with a secret by using a distinctive feature of his profession, alternate, position or artwork and who discloses it in cases other than those lawfully permitted, or if he uses this kind of mystery for his non-public advantage or the advantage of every other individual until the character worried allows the disclosure or use of the sort of secret.

“A penalty of imprisonment for a duration now not exceeding five years shall apply to a culprit who’s a public official or in charge of public service and has been entrusted with the secret at some point of, due to, or on the event of the overall performance of his obligation or service.”

In continuance, Article 90 of the Federal Law No. 5 of 1985 (the “Civil Code”) states: “Whoever is a victim of an illegal act of trespassing upon a right inherent in his persona, may ask that such an act of trespassing be ceased and claim compensation for any damages caused to him.”

Based on the provisions above of numerous UAE laws, you can inform the actual property agent that he is attempting to invade your privacy by asking for you to post your profits certificate and financial institution account statement, as these are personal files and no longer essential to buy or rent an apartment in the emirate of Dubai. Further, you may use the Real Estate Regulatory Agency (RERA) to file a criticism against the real estate agent.