How the structure works, what it costs, and what happens at the end. If your question is not here, our team is happy to walk you through it.
Still unsure which product fits? Start with a quick eligibility check and we will come back with an indicative offer.
Check your property →A real estate transaction, structured as a sale and purchase. Alma buys your property at an agreed price through a standard Dubai Land Department sale, and you receive cash. The title transfers into Alma's name for the term of the agreement, while you hold a contractual right to buy the property back at a fixed price. When you pay the buy-back price, the title transfers back into your name through a reverse sale. There is no shared or joint ownership during the term.
No. It is a property transaction. Alma buys your property and grants you a fixed right to repurchase it. There is no borrowing, no interest, and no credit involved.
Yes, fully and temporarily. The title is registered in Alma's name for the term of the agreement, the same way any property changes hands in Dubai. There is no joint or shared ownership during the term. It returns to your name once you complete the buy-back.
50% of the market value, in cash. The exact figure follows a property inspection and valuation.
It is fixed in writing before you commit, set at 60% of the market value in our standard structure, so you know the cost of returning from day one.
Two years. You can repurchase your property at any time within that period.
Yes. You can lease the property back and continue living there as the tenant, or move out and let Alma rent it to the market during the term.
If you occupy the property yourself, for example a home you live in or an office your company uses, you become the tenant and pay rent of 7% of the market value per year. If the property is already let to a third-party tenant, the existing tenancy stays in place, it does not transfer into Alma's name, and Alma receives the rent during the term.
Alma pays the service charge while it holds the title, as the owner. Utility bills, such as electricity, water and cooling, are paid by the tenant, whether that is you or a third-party tenant.
Alma keeps the property. The decision, and the price, are clear from the start, with no further claim either way.
Alma covers the 4% Dubai Land Department fee at the initial transfer. You cover it at buy-back.
Residential and commercial properties in freehold areas in Dubai and Abu Dhabi. We do not work with land or plots, hotel rooms, or unusual property types such as floating villas.
Yes, at the handover stage, when the final payment is due to collect the keys, and where at least 50% of the price has already been paid to the developer. This is our Off-Plan Secure product.
From recent comparable transactions in your building and community, confirmed after a property inspection.
Yes. A dedicated structure reviewed against AAOIFI standards is available on request.
An indicative offer usually within a working day, and completion in about five to seven working days after the viewing.
The assessment is based on your property, not on lengthy approvals or paperwork.
A few details is all we need to prepare an indicative, non-binding offer.
