Why Do we Request Enhanced Due Diligence Documents

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Why We Request Enhanced Due Diligence (EDD) Documents?

As a licensed real estate brokerage in the United Arab Emirates, we are required to conduct Enhanced Due Diligence (EDD) in certain cases to comply with UAE Anti-Money Laundering and Counter-Terrorist Financing (AML/CFT) regulations.

EDD is a standard regulatory process that helps us understand our clients, verify the source of funds used in transactions, and assess any potential risk factors associated with a transaction




Required Documents (Individual):

Proof of Residential Address:
→ Utility bill (electricity, water, gas)
→ Tenancy contract / Ejari / Tawtheeq
→ Bank statement showing residential address

→ Official government letter (tax authority, municipality, immigration)
→ Employer-issued accommodation letter
→ Property ownership document / title deed
→ Hotel / serviced apartment letter (temporary residence – case-specific)
→ Embassy or consulate-issued residence confirmation
→ Mobile phone bill (only if address is clearly stated)
→ Insurance policy showing residential address

Proof of Source of Funds

→ (Recent personal bank statements (typically last 6 months)
→ Salary certificate / employment confirmation
→ Payslips (last 3–6 months)

→ Sale agreement of previous property
→ Proof of dividend income
→ Investment liquidation statement
→ Loan agreement (bank-issued only)
→ Inheritance distribution document
→ Gift declaration + donor’s proof of funds
→ End-of-service benefits statement
→ Business profit distribution evidence (if self-employed)

Source of Wealth Explanation (if applicable)

A brief explanation of how the funds were accumulated over time, for example.

→Business ownership documents

→ Audited financial statements (if business owner)

→Historical property sale documents

→ Long-term bank statements (12–24 months)
→ Shareholding / investment portfolio statements
→ Inheritance / estate documents
→ Trust or settlement documents
→ Explanation letter supported by documents
→ Client Declaration Form (funds legitimacy)
→ Relationship clarification letter (if acting on behalf of another person)
→ Power of Attorney (if applicable)

Why These Checks Are Important

EDD helps ensure that funds involved in a transaction are legitimate, traceable, and compliant with UAE regulations. Completing these checks early helps prevent delays, regulatory issues, or transaction interruptions at later stages


How This Benefits You

• Smoother and faster transaction processing
• Reduced risk of delays or regulatory escalation
• Protection against fraud and misuse of funds
• Greater transparency and trust for all parties involved
• Compliance with UAE laws, reducing legal and financial risk



Legal and Regulatory Framework

Our EDD obligations are mandated under UAE law, including:

• Federal Decree-Law No. 10 of 2025 on Anti-Money Laundering and Combating the Financing of Terrorism and Proliferation Financing


• Cabinet Decision No. 134 of 2025, issued in implementation of the AML/CFT framework

• AML/CFT Guidelines for Designated Non-Financial Businesses and Professions (DNFBPs), applicable to real estate brokers in the UAE




Confidentiality and Data Protection

All information and documents provided are handled with strict confidentiality and used solely for regulatory compliance purposes, in accordance with UAE data-protection and confidentiality requirements.



Need Assistance?

Our AML team is available to support you throughout the process and to clarify any document requests. We aim to make the EDD process clear, proportionate, and efficient.

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