ProSyllabus JournalDubai RERA Real Estate Broker Exam (DREI)

Real Estate Commission in Dubai: Rules, Ethics and Worked Scenarios

When a Dubai broker earns commission under Bylaw No. (85) of 2006, when it is forfeited, how several brokers share it, RERA’s ten ethics, cold-calling rules and AML duties, with worked scenarios.

Updated 1 day agoDubai RERA · Real estate · Ethics
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Real Estate Commission in Dubai: Rules, Ethics and Worked Scenarios

Checked 28 October 2026. Read on 28 October 2026: Bylaw No. (85) of 2006 (DLD compilation), RERA’s 2024 Brokerage Practice Guide, DLD’s 2025 Valuation Guide, DLD Circular (02-2026) on cold calling, DLD’s lease brokerage forms, DLD’s property sale registration e-service, Executive Council Resolution No. (30) of 2013, Federal Decree by Law No. (10) of 2025, Cabinet Resolution No. (134) of 2025 and the UAE FIU goAML guide. Circulars and AML regulations change; check DLD’s rules page.

In Dubai a broker’s commission is set by agreement; only without an agreement is it decided by prevailing practice, and no DLD law, form or circular we read sets a rate. Bylaw No. (85) of 2006, Article (27): “The Real Estate Broker’s remuneration will be determined by agreement, and in absence of agreement, remuneration will be determined according to prevailing practice.” What the law does fix is when commission is earned (a sale: on signing the sale contract and registering it with the Department, unless the brokerage agreement says otherwise), when it is forfeited (for breaching duties to the client by acting in the other party’s interest or accepting its promise of a benefit, inconsistently with good faith or professional ethics), and how it is split among several brokers. We use original scenarios to practise these rules, alongside RERA’s ten ethics, the cold-calling rules and anti-money laundering duties. This page sets out each rule with the article behind it, then walks through scenarios of our own. Commission and anti-money laundering are one of the eight areas of our RERA exam practice.

By agreement
how commission is set (Bylaw No. (85) of 2006, Art. 27)
10
ethics in RERA’s 2024 Practice Guide
AED 50,000
fine for unlawful contact with owners (Circular 02-2026)
AED 55,000
cash at or above which a broker files a REAR (UAE FIU)

Bylaw No. (85) of 2006; RERA Practice Guide 2024; DLD Circular (02-2026); UAE FIU goAML guide; read 28 October 2026.

The commission rules in Bylaw No. (85) of 2006

RuleWhat the Bylaw says (summary)Article
How muchSet by agreement; without agreement, by prevailing practice.27
Only if a deal is doneRemuneration is earned only if a contract is concluded between both parties, meaning all parties agree on all the conditions in the brokerage agreement.28(1)
When, on a saleUpon signing the sale contract and registering it with the Department, unless the brokerage agreement stipulates otherwise.28(2)
Conditional saleIf the sale is conditional on a term agreed in the brokerage agreement, remuneration is due only once that term is fulfilled.28(3)
Agreement terminatedThe broker can still claim remuneration as agreed, except where proven to have committed fraud or gross negligence.29
No dealNo compensation or refund of expenses unless the brokerage agreement stipulates otherwise.30
Several brokers for one partyThe fee is partitioned among them as if they were one broker, under the terms of the contract they concluded.31
Several brokers engaged separatelyThe one who concludes the transaction is exclusively entitled to the whole remuneration.32
Who paysThe party that appoints the broker; if both parties appoint him, each is severally liable for its own share, even if they agree one will pay it all.33
ForfeitureLost, with any claim to expenses, if the broker acts in the interest of the other party or accepts a promise of a benefit from it, against good faith or the code of ethics.23
Broker as the other partyA broker may be the second party to the contract only if authorised by one of the parties, and then gets no remuneration.20

Our summaries of Chapter Four and Articles (20) and (23) of Bylaw No. (85) of 2006, as printed in DLD’s Real Estate Legislation compilation.

Two further articles shape every commission question. Article (26) requires the brokerage agreement to be in writing, stating the parties, the property and the brokerage terms. And Article (21) makes the broker a trustee of any amounts, securities or other items delivered for safekeeping or for the other party, bound by the trusteeship rules. On DLD’s lease brokerage forms the commission line reads “To be Paid by Owner : Amount ( AED )______ or % _______” with the same line for the tenant: the parties fill it in, and the form chooses no figure.

Where other pages get this wrong

No official Dubai source we read sets a commission rate.

Commonly published instead: A fixed percentage, quoted as if it were a RERA rule.

Bylaw No. (85) of 2006 says remuneration is set by agreement, and by prevailing practice only where there is none. DLD’s lease forms leave the amount or percentage blank. The percentages on DLD’s fee pages are registration fees, not commission: DLD’s property sale registration e-service charges the seller 2% and the buyer 2% of the sale value, plus a trustee centre fee. For our commission calculations, any assumed commission percentage is stated in the practice question.

Dual agency and disclosure

Dubai’s Bylaw does not forbid one broker acting for both sides; it sets what follows. Article (33): if the broker is appointed by both parties, “each party will be severally liable to pay his own share of the remuneration even if they agree that one of them will incur the Real Estate Broker’s remuneration in full.” Article (19): even though a broker represents one party, he “must faithfully disclose the transaction details and conditions he is aware of”, and is responsible for any fraud or mistake. Article (17) requires disclosure to the client of all negotiation details and the stages of the process, and to the other party of all substantial matters needed to avoid uncertainty. Article (25): if several people engage one broker for the same transaction, they are jointly responsible for the engagement unless agreed otherwise.

FreeTests: Escrow accounts: Law No. (8) of 2007 · DLD contracts: Forms A, B and F · Code of Ethics and broker conduct

Dubai RERA Broker Exam Essentials: free sample

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RERA’s ten ethics

RERA’s 2024 Practice Guide says all licensed brokers “must adhere to the ethics of practicing the profession, including” ten points. Bylaw No. (85) of 2006 makes the code binding (Article 14) and cancels registration for breaching it (Article 40).

No.Ethic (RERA 2024 guide)
1Adhering to fair treatment
2Employing respect in all procedures
3Maintaining privacy
4Honesty and uprightness
5Applying quality control
6Ensuring integrity
7Committing to society
8Maintaining the interests of the contracting parties
9Preserving all documents
10Respecting the regulations and procedures of Dubai Land Department

Listed word for word from the RERA Real Estate Brokerage Practice Guide, second edition, November 2024.

DLD’s 2025 Dubai Real Estate Valuation Guide prints a longer “Code of Ethics for Practicing Real Estate Professions” as a pledge by licensed real estate companies, in eleven points. It covers the same ground and adds further professional obligations: a pledge “not to allow any individuals who are not registered or authorised to work through our office, nor to misuse the office name or license”, and, under respect for DLD’s procedures, a pledge not to establish special relationships with Department employees for personal gain and to disclose any potential conflicts of interest.

Cold calling and the green list

The 2024 guide describes the green list in the Dubai REST app, which gives brokers the phone numbers and e-mail addresses of registered owners: “Brokers are not allowed to contact owners not registered as part of the green list”, and a broker who does gets a violation, with operations suspended on a complaint or report by an investor or client. DLD Circular (02-2026), dated 26 February 2026, goes further. All brokerage offices are “strictly prohibited from obtaining any data or information related to property owners or investors from any source through unlawful means”, and direct contact by phone or other channels to offer, market or buy property is also prohibited. The exception is “clients who have duly documented prior transactions with the office”, provided the office keeps an approved record of the relationship and gives it to the Authority on request. The circular does not mention the green list, so do not treat green-list inclusion alone as an exception.

RuleSourceWhat it says (summary)
Contacting owners (2024 guide wording)RERA Practice Guide 2024Brokers may not contact owners not on the green list; otherwise a violation, and suspension on a complaint. Green-list inclusion alone is not an exception stated in Circular 02-2026; apply the circular’s documented-prior-transaction requirement
Owner dataDLD Circular (02-2026)No obtaining owner or investor data from any source through unlawful means
Direct marketing calls and messagesDLD Circular (02-2026)Prohibited, except to clients with documented prior transactions with the office, on an approved record
Penalties on a complaintDLD Circular (02-2026)A violation against the office and the broker; penalties include a fine of AED 50,000 and suspension for three months; repeated violations, permanent revocation of the broker’s registration

From RERA’s 2024 Practice Guide and DLD Circular (02-2026), read 28 October 2026. DLD’s rules page also lists older circulars on contacting owners (2014, 2018) and on using registered phone numbers (2023).

Anti-money laundering duties

DLD lists Federal Decree by Law No. (10) of 2025 under the “Anti-Money Laundering (AML)” heading of its rules and regulations page. The Decree places its duties on financial institutions and on designated non-financial businesses and professions (DNFBPs), whose activities are specified in its Executive Regulation, Cabinet Resolution No. (134) of 2025, which repealed Cabinet Resolution No. (10) of 2019. Article 3(2) of the Resolution names brokers directly: “Real estate brokers and agents, when concluding transactions or settlements on behalf of their customers in relation to the purchase or sale of real estate”. No value threshold is attached to brokers there. So the duties below apply to a broker doing that work.

DutyWhat the Decree says (summary)Article
Report suspicionOn suspicion or reasonable grounds to suspect that a transaction or funds are proceeds of, related to or intended for the crime, regardless of value, notify the Financial Intelligence Unit without delay and directly, through its designated electronic system, with a detailed report18(1)
Attempted countsSuspicious transactions are defined to include those “executed or merely attempted”1 (definitions)
Know the riskIdentify, assess, document and update risks, and keep the risk assessment for the supervisory authority19(1)(a)
Customer due diligenceApply CDD and continuous monitoring, keeping the information obtained; the Resolution requires CDD at the start of a business relationship, on suspicion of a crime, and when earlier identification data is in doubt19(1)(b); Resolution, Art. 7(1)
No anonymous dealingsNo transactions under anonymous, fictitious, alias or numbered names19(1)(c)
SanctionsApply targeted financial sanctions instructions forthwith19(1)(e)
RecordsKeep transaction records, documents and data for at least five years from completion of the transaction or the end of the business relationship, and make them available to the authorities promptly on request19(1)(f); Resolution, Art. 25(1)
Cash and virtual assetsFile a Real Estate Activity Report (REAR) on goAML for a freehold sale or purchase where payment includes cash of AED 55,000 or more, in one payment or several; where any portion of the property value is paid in virtual assets; or where the funds used for the transaction were converted from or to a virtual asset (the guide’s words)UAE FIU goAML guide, v1.2 (2024)
No tipping offInformation on suspicious transactions is confidential; warning anyone or revealing an inquiry is punishable by imprisonment and a fine of not less than AED 50,000, or either24, 29(1)

Our summaries of Federal Decree by Law No. (10) of 2025 (UAE Legislation portal), Cabinet Resolution No. (134) of 2025 and the UAE FIU’s goAML report guide. The FIU’s reports FAQs add that where there is a suspicion and the payment is made in cash or crypto above the AED 55,000 threshold, a REAR and a suspicious transaction or activity report can both be raised.

Fines named in these sources (AED)
Failing to report suspicion, deliberately or through gross negligence (FDL 10/2025, Art. 28)100,000 to 1,000,000
Tipping off (FDL 10/2025, Art. 29(1)): not less than50,000+
Unlawful owner data or cold calling (DLD Circular 02-2026)50,000

The AML fines may be imposed with or instead of imprisonment. A broker who helps someone evade DLD fees faces a fine of double the prescribed fee (Executive Council Resolution No. (30) of 2013, Article 6(b)); it has no fixed amount, so it is not charted.

FreeTests: Escrow accounts: Law No. (8) of 2007 · DLD contracts: Forms A, B and F · Code of Ethics and broker conduct

Dubai RERA Broker Exam Essentials: free sample

Answer 3 questions against the clock, like the real exam. You then see the right answer, the reason and your time on each. About 5 minutes · free · no sign-in.

3 questions to answer

Start nowabout 5 min

This one is free · no sign-in needed

Your result shows how long each question took you.

Scenario walk-throughs

These are our own examples, written to show how the rules above decide an answer. They are not exam questions.

Scenario (our example)What decides itRule
A seller signs an agreement with Broker 1 and, separately, with Broker 2. Broker 2 introduces the buyer and the sale goes through.Several brokers engaged separately: the one who concluded the transaction takes the whole remuneration.Bylaw No. (85) of 2006, Art. 32
Two brokers from one office work together for a buyer and the deal closes.Several brokers for one party: the fee is shared as if they were one broker, under their contract.Bylaw No. (85) of 2006, Art. 31
A broker acting for a seller quietly accepts a promised gift from the buyer for steering the price down.Acting for the other party or accepting a promised benefit from it forfeits remuneration and expenses.Bylaw No. (85) of 2006, Art. 23
A buyer and seller both appoint one broker and agree the seller will pay the whole commission. The seller refuses.Each party appointing the broker is severally liable for its own share, whatever they agreed between themselves.Bylaw No. (85) of 2006, Art. 33
The sale is subject to the buyer’s finance being approved, a condition in the brokerage agreement. Finance fails.Remuneration is due only once the agreed term is fulfilled.Bylaw No. (85) of 2006, Art. 28(3)
A broker buys a list of owners’ mobile numbers and calls them about a new launch.Unlawfully obtained data and direct marketing calls are prohibited; on a complaint, a violation and penalties including AED 50,000.DLD Circular (02-2026)
A buyer asks to pay a deposit in cash and to put the unit in a friend’s name, giving no reason.If there are reasonable grounds to suspect, report to the FIU without delay, whatever the amount, even if the deal is only attempted; do not tell the buyer. If the cash paid on the freehold sale reaches AED 55,000, a REAR is due as well.FDL 10/2025, Arts. 1, 18, 29; UAE FIU goAML guide
A seller suggests writing a lower price on the contract to cut the DLD fee.Giving false value information is fee evasion; a broker who assists faces a fine of double the fee. Do not facilitate a transaction that breaks the law.Resolution 30/2013, Arts. 5, 6; Bylaw No. (85) of 2006, Art. 18

Our examples; the rule column names the article that decides each one.

Worked question: ethics

One of the 4 free questions you can try is on ethics and broker conduct, printed as our practice set shows it.

Sample question · Code of Ethics and broker conduct

A brokerage introduces checks so that every listing, viewing and contract is reviewed before it reaches a client. Which ethic named in RERA’s practice guide does this most directly put into effect?

  1. Pursuing sales targets
  2. Advertising across platforms
  3. Applying quality control
  4. Offering fee discounts

Answer: C. Applying quality control is the fifth ethic in the guide’s list of ten. Sales targets, fee discounts and wide advertising are business choices that do not appear among the listed ethics.

Source: RERA Real Estate Brokerage Practice Guide (2024), Ethics of practicing the profession

From the ProSyllabus Dubai RERA Broker Exam Complete Pass Pack: an original question written by us, not a recalled or official exam question. It is one of the 4 free questions you can try.

Sample questionAnswerSource
A brokerage introduces checks so that every listing, viewing and contract is reviewed before it reaches a client. Which ethic named in RERA’s practice guide does this most directly put into effect?C: Applying quality controlRERA Real Estate Brokerage Practice Guide (2024), Ethics of practicing the profession

The table repeats the answer for readers on a version of this page that does not show the card.

Scenarios like the ones above are a good way to practise these rules. The Dubai RERA Broker Exam Complete Pass Pack has its own 14-day practice plan, about 75 minutes a day on average (days 12 and 13 are each a separate 70-question full mock with a 120-minute limit), 6 timed practice mocks of 70 questions with a 120-minute limit (our practice format, not a confirmed official one), 8 topic drills and 6 scenario drills, Revise fast answer cards whose explanations cite the law, bylaw or official DLD/RERA guidance behind them, a plain-English revision kit PDF and the Annual Renewal Refresher, with no expiry. You can try 4 free questions first. RERA Circular 31/2014 sets the pass mark at 85% on the initial licensing exam and the annual renewal exam. For the contracts that carry the commission clause, see our guide to Forms A, B and F, Oqood and Ejari; for the route to the card itself, how to become a real estate agent in Dubai; and for the exam’s fee, the exam format guide.

What we could not find

QuestionWhat we found
A standard commission rateNone in any DLD law, form or circular we read.
A fixed brokerage fee cap on a leaseDLD’s lease brokerage forms leave the amount or percentage blank.

FreeTests: Escrow accounts: Law No. (8) of 2007 · DLD contracts: Forms A, B and F · Code of Ethics and broker conduct

Dubai RERA Broker Exam Essentials: free sample

Answer 3 questions against the clock, like the real exam. You then see the right answer, the reason and your time on each. About 5 minutes · free · no sign-in.

3 questions to answer

Start nowabout 5 min

This one is free · no sign-in needed

Your result shows how long each question took you.

Frequently asked questions

What is the real estate commission in Dubai?

Whatever the brokerage agreement says. Bylaw No. (85) of 2006 sets remuneration by agreement and, without one, by prevailing practice. No DLD law, form or circular we read fixes a rate.

When is a broker’s commission earned on a sale?

On signing the sale contract and registering it with the Department, unless the brokerage agreement says otherwise. If the sale depends on an agreed condition, only once that condition is fulfilled.

Does a broker get paid if the deal falls through?

No compensation or expenses unless the brokerage agreement provides for them. If the agreement is terminated, the broker can claim as agreed unless proven to have committed fraud or gross negligence.

Can one broker act for both buyer and seller in Dubai?

The Bylaw does not forbid it. Each party that appoints the broker is severally liable for its own share of the remuneration, and the broker must disclose transaction details faithfully.

When does a broker lose the commission?

When the broker breaches duties to the client by acting in the other party’s interest or accepting its promise of a benefit, inconsistently with good faith or the code of professional ethics (Article 23). Being appointed by both parties is not in itself a breach (Article 33). A broker who becomes the second party to the contract, with one party’s authorisation, gets no remuneration (Article 20).

What are RERA’s code of ethics points?

The 2024 guide lists ten: fair treatment, respect, privacy, honesty and uprightness, quality control, integrity, commitment to society, the interests of the contracting parties, preserving documents, and respecting DLD’s regulations and procedures.

Can Dubai brokers cold call owners?

No. Under DLD Circular (02-2026), obtaining owner or investor data through unlawful means is prohibited. Direct marketing contact is prohibited except with clients having duly documented prior transactions with the office, supported by an approved record available to the Authority on request. Penalties include a fine of AED 50,000.

What must a broker do about a suspicious transaction?

Brokers are named in Article 3(2) of Cabinet Resolution No. (134) of 2025. Under Federal Decree by Law No. (10) of 2025 they must report to the Financial Intelligence Unit without delay, whatever the value and even if the transaction was only attempted, and must not tip anyone off. Records are kept at least five years.

When does a Dubai broker file a REAR?

Under the UAE FIU’s goAML guide, for a freehold sale or purchase where the payment includes cash of AED 55,000 or more, in one payment or several, where any portion of the property value is paid in virtual assets, or where the funds used were, in the guide’s words, “converted from or to a virtual asset”.

For scenario practice across eight law areas, the Dubai RERA Broker Exam Complete Pass Pack sets out its own 14-day practice plan, about 75 minutes a day on average (days 12 and 13 are each a separate 70-question full mock with a 120-minute limit); try 4 free questions to see how each answer is explained.

Independent — not affiliated with or endorsed by the Dubai Land Department or RERA.

Sources

official = a document published by the conducting body. reported = a news or coaching site we could not check against an original. Where sources disagree this page says so rather than picking one.

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Independent — not affiliated with or endorsed by the Dubai Land Department or RERA. Original questions, not recalled or official exam questions.