An Indebtedness Certificate is a crucial legal document in Dubai that verifies an individual’s or company’s financial obligations. Whether you’re applying for a loan, visa, or business license, or settling financial disputes, this certificate serves as official proof of your debt status.

At Notary Public Dubai, we specialize in drafting, notarizing, and attesting Indebtedness Certificates to ensure they meet all UAE legal requirements. This comprehensive guide explains everything you need to know about obtaining an Indebtedness Certificate in Dubai, including its uses, requirements, and how our services can help.

What is an Indebtedness Certificate?

An Indebtedness Certificate (also called a No-Debt Certificate or Debt Clearance Certificate) is an official document that:
✔ Confirms whether an individual or company has outstanding debts in the UAE
✔ Is often required for visa cancellations, loan applications, or business closures
✔ Must be notarized or attested to be legally valid

Without this certificate, you may face delays in bank transactions, immigration processes, or legal proceedings.

When Do You Need an Indebtedness Certificate in Dubai?

1. Visa Cancellation & Labour Clearance

• Required when leaving the UAE to prove no pending loans or financial liabilities.

2. Loan Applications

• Banks may request it to verify your debt-free status before approving financing.

3. Business License Renewal or Closure

• Ensures the company has no unsettled dues with suppliers, banks, or government entities.

4. Legal Disputes

• Used in court cases to prove financial standing in lawsuits or settlements.

5. Property Transactions

• Some real estate deals require proof that the buyer/seller has no outstanding mortgages or loans.

Types of Indebtedness Certificates in Dubai

1. Personal Indebtedness Certificate

• For individuals proving they have no personal loans, credit card debts, or bank liabilities.

2. Company Indebtedness Certificate

• For businesses confirming no unpaid invoices, loans, or tax dues.

3. Bank Debt Clearance Certificate

• Issued by banks to confirm loan repayment completion.

4. Government Debt Clearance (Tasheel/DED)

• Proves no fines or unpaid fees with Dubai Economic Department (DED) or Tasheel centers.

How to Get an Indebtedness Certificate in Dubai?

Step 1: Check Debt Status

• Obtain a credit report from Al Etihad Credit Bureau (AECB).
• Verify with banks, government portals (DED, Dubai Courts), and creditors.

Step 2: Draft the Certificate

• Must include:
  • Full name & Emirates ID/passport number
  • List of cleared debts (if any)
  • Declaration of no pending liabilities

Step 3: Notarization at Dubai Notary Public

• Required for legal validity in UAE courts and institutions.
• Our team at Notary Public Dubai ensures fast attestation.

Step 4: Attestation (If for International Use)

• May require Ministry of Foreign Affairs (MOFA) stamp or embassy legalization.

Why Choose Notary Public Dubai for Your Indebtedness Certificate?

✔ Expert Drafting & Legal Review
✔ Same-Day Notarization
✔ Bank & Government Liaison Services
✔ Multilingual Support (Arabic, English, Hindi, etc.)
✔ Serving All Dubai Areas (Downtown, Marina, JLT, Business Bay, etc.)

FAQs About Indebtedness Certificates in Dubai

1. Where can I check if I have debts in Dubai?

• Through Al Etihad Credit Bureau (AECB) or bank statements.

2. How long is the certificate valid?

• Typically 3 months, but some institutions may require a newer one.

3. Can I get a certificate if I have unpaid debts?

• No, you must clear all dues first before applying.

4. Is the certificate required for employment visa cancellation?

• Yes, many companies demand it for final settlement.

5. What if a bank refuses to issue a clearance certificate?

• You may need to resolve pending payments or seek legal assistance.

Conclusion

An Indebtedness Certificate is essential for financial and legal transactions in Dubai. At Notary Public Dubai, we ensure your document is accurately drafted, notarized, and legally recognized by all UAE authorities.

📞 Contact us today for a hassle-free Indebtedness Certificate!