UAE federal regulations requiring verification of fund sources for property transactions. Enforced by Financial Intelligence Unit and Real Estate Regulatory Agency. Non-compliance blocks transaction completion.

Required Documentation

• Passport and Emirates ID (if applicable)
• Source of funds declaration
• Bank statements (6 months)
• Employment letter or business documentation
• Proof of address (utility bill or tenancy contract)
• Tax returns (for certain jurisdictions)

Enhanced Due Diligence Triggers

• Transaction value exceeds AED 55,000 (~USD 15,000)
• Cash payment exceeds AED 55,000
• Complex ownership structures
• Buyer from high-risk jurisdiction

Processing time: 2-5 business days for standard documentation. Extended verification may delay closing by 1-2 weeks.