Kit · 26 Documents · Edition 2026.1
The Real Estate Kit · Catalogue

What's in the Real Estate Kit.

26 documents covering every AML/CFT obligation a UAE real-estate brokerage or agency faces under Federal Decree-Law 10 of 2025 — including the Real Estate Activity Report (REAR) regime. Editable Word, working Excel, training PowerPoint, printable PDF — yours to deploy in 48 hours, yours to keep, yours to customise.

Real estate is the most-inspected DNFBP sector in the UAE. In H1 2025 the Ministry of Economy and Tourism recorded 495 violations by real-estate brokerages — more than any other sector — with AED 18.5 million in fines. Since July 2022, brokers and agents must file a Real Estate Activity Report (REAR) on goAML whenever a freehold deal is paid wholly or partly in cash of AED 55,000 or more, in virtual assets, or in funds converted from a virtual asset — on top of due diligence on both buyer and seller, a written risk assessment, an appointed MLRO, screening, training and record-keeping. This kit is that framework, ready.

Document 01 · The Manual

AML/CFT Policy & Procedures Manual

The spine of the kit: the board-approved manual every other document supports. Your obligations under FDL 10/2025 and CR 134/2025 as a real-estate DNFBP; governance and the MLRO; the risk-based approach; due diligence on buyers and sellers; beneficial ownership; sanctions and PEP screening; transaction monitoring and the REAR; reporting, record-keeping, training and independent review. Pre-filled with your firm's details.

The rulebook

Policies & Procedures

8 documents
  • 01 AML/CFT Policy & Procedures Manual The board-approved spine — every obligation, one document.
  • 03 Sanctions & PEP Screening Policy UN + UAE lists, PEP handling, freeze-without-delay.
  • 04 Record-Keeping & Data Retention Policy What you keep, in what form, for the five-year minimum.
  • 05 Tipping-off Prevention & Confidentiality Policy The criminal line your staff must never cross.
  • 06 Customer Onboarding & KYC Procedure Know both sides of the deal before it closes.
  • 07 Enhanced Due Diligence Procedure PEPs, high-risk parties, source-of-funds — the deeper checks.
  • 08 STR & goAML Filing Procedure Suspicion reports and the REAR, step by step.
  • 09 Transaction Monitoring Procedure The REAR's three trigger cases, property red flags, structuring.
What you use day-to-day

Forms & Risk Tools

9 documents
  • 10 Corporate KYC Questionnaire Companies, SPVs and their beneficial owners.
  • 11 Individual KYC Questionnaire Buyers and sellers, identified properly.
  • 12 UBO Declaration Form The real person behind the structure, on the record.
  • 14 PEP Self-Declaration Form Politically exposed persons, declared at onboarding.
  • 15 Source of Funds Declaration Where the purchase money actually comes from.
  • 16 AML Risk Assessment Matrix Working Excel, live scoring — pre-weighted for a brokerage.
  • 17 Sanctions Screening Log Every screen, recorded and defensible.
  • 18 Annual Compliance Calendar Your year's obligations — including broker-registration renewal — anchored to your dates.
  • 19 High-Risk Country Reference List The geographic-risk reference your risk scores lean on.
Sign-off and operations

Governance, Training & Quick Reference

9 documents
  • 20 MLRO Appointment Letter The named, senior, accountable appointment — in writing.
  • 21 MLRO Job Description What the role actually carries, including REAR filing.
  • 22 MLRO Compliance Report Template The periodic report to senior management, ready to complete.
  • 23 Independent AML Audit — ToR & Findings The third line of defence, scoped and documented.
  • 24 Three-Lines-of-Defence Org Chart Your governance, on one slide.
  • 25 Staff AML Awareness Training Deck 25 slides, ready to deliver — property red flags and the REAR included.
  • 26 Red Flags for Real Estate Staff The one-page reference for the front office.
  • 27 Inspection Readiness Checklist Self-check before the Ministry arrives.
  • 28 Glossary & How to Use This Kit Plain-language terms and the order to work in.
Delivery · 48 Hours

All files in Word (.docx), Excel (.xlsx), PowerPoint (.pptx) and PDF Editable, not locked Yours forever

Buyers offering to pay in crypto? In real estate that's not hypothetical — and a virtual-asset payment makes a deal reportable at any value. The Crypto Module (+€499) extends the kit: enhanced due diligence on crypto-funded purchases, source-of-virtual-assets checks, wallet-screening procedure, the licensed off-ramp, and the VASP boundary your staff must never cross — including the rules for taking your own commission in crypto.

Get the kit + Crypto Module — €1,398 →
Sign & Seal · Reg. Mark 2026

Inspection-ready in days. Customised to your brokerage.

Get the Real Estate Kit €899 →

14-day money-back guarantee · Stripe checkout · Instant download link · 12 months of free updates.

Federal Decree-Law 10 of 2025 Cabinet Resolution 134 of 2025 MoE Circular No. 05/2022 (REAR) goAML / UAE FIU

The Enforcement Brief

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