Owner Affidavit Template for the United Arab Emirates

An Owner Affidavit is a sworn legal declaration that formally confirms your property ownership and provides essential details about the title status under United Arab Emirates law. This document serves as legally binding proof of ownership that can be relied upon by government authorities, financial institutions, and other parties requiring official confirmation of property rights.

When do you need this document?

You need an Owner Affidavit in various property-related situations throughout the UAE. Property transactions often require this document to verify clear title before sale or transfer. Financial institutions typically demand an Owner Affidavit when you apply for mortgages, refinancing, or property-backed loans to confirm unencumbered ownership. Legal proceedings involving property disputes, inheritance matters, or court cases frequently require sworn ownership declarations. Government agencies may request this document for administrative procedures, permit applications, or compliance verification. Insurance companies often require ownership affidavits when processing property insurance claims or policy applications.

Key legal considerations

Your Owner Affidavit must include comprehensive declarant information with your full legal name, Emirates ID or passport details, and current contact information. The property details section requires precise descriptions including the complete address, plot number, title deed reference, and Land Department registration details. Your ownership declaration must clearly state how and when you acquired the property, whether through purchase, inheritance, or gift. The title status declaration is critical—you must accurately disclose any mortgages, liens, encumbrances, or pending legal issues affecting the property. False declarations in an Owner Affidavit constitute perjury under UAE law and can result in serious legal consequences including criminal charges and civil liability.

Legal requirements in United Arab Emirates

UAE law mandates that Owner Affidavits comply with the UAE Civil Code and specific emirate property regulations. The document must be notarized by a UAE-licensed notary public to be legally valid and enforceable. Foreign property owners must ensure their affidavits comply with applicable Foreign Ownership Decrees specific to their emirate, as requirements vary between Dubai, Abu Dhabi, and other emirates. The affidavit must be prepared in Arabic or officially translated if originally drafted in another language. All property references must match exactly with Land Department records and title deed information. If the property is mortgaged, you may need consent from the lending institution before executing the affidavit. The document must include specific language confirming compliance with Sharia principles governing property ownership in the UAE.