Mario Volpi advises an Abu Dhabi tenant who has a problem with mould. Sammy Dallal / The National
Mario Volpi advises an Abu Dhabi tenant who has a problem with mould. Sammy Dallal / The National

Can Abu Dhabi tenant terminate lease due to mould?



We have a serious mould issue in our apartment and it is affecting my wife's health. We've been in contact with property management but so far they have just been cleaning the visible areas and not removing the mould that is behind and possibly in the porous kitchen wood cabinetry. Every time they clean, it comes back. Do we have any recourse to get this properly fixed? Can we demand they move us to a different apartment or can we terminate our lease? RR, Abu Dhabi

As a tenant, it is your right – in exchange of paying rent – to quiet enjoyment of the property. It is evident from what you are saying that this enjoyment is being ruined by this mould problem. It is the landlord’s responsibility to sort this out. If, as you say, he has a management company looking after his property affairs, it will have to find a solution especially if the mould is affecting your wife’s health. In terms of whether you have a recourse as stated, yes you should be able to move to another apartment; this obviously depends whether the landlord owns another suitable property. But given how you posed the question, I assume the landlord does have alternative accommodation. This being the case, then you can request he moves you while the problem is eradicated. Can you terminate the contract? Again, if the problem persists and your family’s health is at stake, I would say that this is good grounds to terminate and the landlord should return any unused rental amount, including your deposit. Like everything in property negotiations between landlord and tenant, it’s all about reaching a compromise. I suggest you liaise with the property management company and come up with a plan that if the problem is not resolved to your satisfaction you are requesting relocation.

I purchased a commercial suite/unit on Reem Island Abu Dhabi and recently paid the last instalment to take possession. The agent, on behalf of the developer, has asked for a Dh1,500 no objection certificate (NOC) fee as part of the handover. Nowhere in the purchase agreement does it give them the right to levy this fee. What options do I have to complain about this? PB, Abu Dhabi

I assume that the NOC is needed to ensure that all the dues are paid by yourself before the developer relinquishes the unit to you. You are right, however, to question this charge as presumably the handover would not be completed unless everything was paid up by yourself. Each developer acts differently to the next, and handover procedures can also differ from one to the other.

While Dh1,500 is not a huge sum, I agree that if it is not part of the original sales and purchase sales agreement, then why is it now being brought up? I would request a meeting with the developer to explain why this is necessary and why it would fall on your shoulders to pay, especially as the developer is handing the unit directly over to you.

I have rented an apartment in Dubai Silicon Oasis. However, when I moved in, Dewa informed me there are previous dues which I had to pay to get their services. After checking with the agent I paid the bill, but the landlord has not reimbursed the funds yet. And now it's time for renewal. I would like the money I am owed to be adjusted towards the new contract. However, the agent has informed me he is charging a renewal fee and therefore the money I am owed is adjusted against that renewal fee. He adds that if I don't agree he will not renew the contract. How do I proceed? AA, Dubai

It would appear normal for you to be reimbursed by the landlord for the amount you paid for the original Dewa bill, and I guess a good time for this to be concluded would be at renewal as money does have to change hands at this point. This amount needs to be discharged by the owner. It is normal for agents to charge renewal fees as there is a level of administrative work involved including time and effort. As agents do not work for free, a fee of Dh1,000 to Dh1,500 is normally acceptable.

Mario Volpi is the managing director of Ocean View Real Estate and has worked in the industry in the emirate and in London for the past 30 years. Send any questions to mario@oceanviewdubai.com.

The advice provided in our columns does not constitute legal advice and is provided for information only. Readers are encouraged to seek appropriate independent legal advice.

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At a glance

Global events: Much of the UK’s economic woes were blamed on “increased global uncertainty”, which can be interpreted as the economic impact of the Ukraine war and the uncertainty over Donald Trump’s tariffs.

 

Growth forecasts: Cut for 2025 from 2 per cent to 1 per cent. The OBR watchdog also estimated inflation will average 3.2 per cent this year

 

Welfare: Universal credit health element cut by 50 per cent and frozen for new claimants, building on cuts to the disability and incapacity bill set out earlier this month

 

Spending cuts: Overall day-to day-spending across government cut by £6.1bn in 2029-30 

 

Tax evasion: Steps to crack down on tax evasion to raise “£6.5bn per year” for the public purse

 

Defence: New high-tech weaponry, upgrading HM Naval Base in Portsmouth

 

Housing: Housebuilding to reach its highest in 40 years, with planning reforms helping generate an extra £3.4bn for public finances

The British in India: Three Centuries of Ambition and Experience

by David Gilmour

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Torque: 790Nm from 2,000-3,600rpm

Transmission: 10-speed auto

Fuel consumption: 11.7L/100km

On sale: Now

Price: From Dh590,000

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Name: Hassan Mohsen Elhais

Position: legal consultant with Al Rowaad Advocates and Legal Consultants.

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May 9, v Malaysia
May 10, v Qatar
May 13, v Malaysia
May 15, v Qatar
May 18 and 19, semi-finals
May 20, final

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Dust and sand storms compared

Sand storm

  • Particle size: Larger, heavier sand grains
  • Visibility: Often dramatic with thick "walls" of sand
  • Duration: Short-lived, typically localised
  • Travel distance: Limited 
  • Source: Open desert areas with strong winds

Dust storm

  • Particle size: Much finer, lightweight particles
  • Visibility: Hazy skies but less intense
  • Duration: Can linger for days
  • Travel distance: Long-range, up to thousands of kilometres
  • Source: Can be carried from distant regions
Key facilities
  • Olympic-size swimming pool with a split bulkhead for multi-use configurations, including water polo and 50m/25m training lanes
  • Premier League-standard football pitch
  • 400m Olympic running track
  • NBA-spec basketball court with auditorium
  • 600-seat auditorium
  • Spaces for historical and cultural exploration
  • An elevated football field that doubles as a helipad
  • Specialist robotics and science laboratories
  • AR and VR-enabled learning centres
  • Disruption Lab and Research Centre for developing entrepreneurial skills

Mercer, the investment consulting arm of US services company Marsh & McLennan, expects its wealth division to at least double its assets under management (AUM) in the Middle East as wealth in the region continues to grow despite economic headwinds, a company official said.

Mercer Wealth, which globally has $160 billion in AUM, plans to boost its AUM in the region to $2-$3bn in the next 2-3 years from the present $1bn, said Yasir AbuShaban, a Dubai-based principal with Mercer Wealth.

Within the next two to three years, we are looking at reaching $2 to $3 billion as a conservative estimate and we do see an opportunity to do so,” said Mr AbuShaban.

Mercer does not directly make investments, but allocates clients’ money they have discretion to, to professional asset managers. They also provide advice to clients.

“We have buying power. We can negotiate on their (client’s) behalf with asset managers to provide them lower fees than they otherwise would have to get on their own,” he added.

Mercer Wealth’s clients include sovereign wealth funds, family offices, and insurance companies among others.

From its office in Dubai, Mercer also looks after Africa, India and Turkey, where they also see opportunity for growth.

Wealth creation in Middle East and Africa (MEA) grew 8.5 per cent to $8.1 trillion last year from $7.5tn in 2015, higher than last year’s global average of 6 per cent and the second-highest growth in a region after Asia-Pacific which grew 9.9 per cent, according to consultancy Boston Consulting Group (BCG). In the region, where wealth grew just 1.9 per cent in 2015 compared with 2014, a pickup in oil prices has helped in wealth generation.

BCG is forecasting MEA wealth will rise to $12tn by 2021, growing at an annual average of 8 per cent.

Drivers of wealth generation in the region will be split evenly between new wealth creation and growth of performance of existing assets, according to BCG.

Another general trend in the region is clients’ looking for a comprehensive approach to investing, according to Mr AbuShaban.

“Institutional investors or some of the families are seeing a slowdown in the available capital they have to invest and in that sense they are looking at optimizing the way they manage their portfolios and making sure they are not investing haphazardly and different parts of their investment are working together,” said Mr AbuShaban.

Some clients also have a higher appetite for risk, given the low interest-rate environment that does not provide enough yield for some institutional investors. These clients are keen to invest in illiquid assets, such as private equity and infrastructure.

“What we have seen is a desire for higher returns in what has been a low-return environment specifically in various fixed income or bonds,” he said.

“In this environment, we have seen a de facto increase in the risk that clients are taking in things like illiquid investments, private equity investments, infrastructure and private debt, those kind of investments were higher illiquidity results in incrementally higher returns.”

The Abu Dhabi Investment Authority, one of the largest sovereign wealth funds, said in its 2016 report that has gradually increased its exposure in direct private equity and private credit transactions, mainly in Asian markets and especially in China and India. The authority’s private equity department focused on structured equities owing to “their defensive characteristics.”

The 12 Syrian entities delisted by UK 

Ministry of Interior
Ministry of Defence
General Intelligence Directorate
Air Force Intelligence Agency
Political Security Directorate
Syrian National Security Bureau
Military Intelligence Directorate
Army Supply Bureau
General Organisation of Radio and TV
Al Watan newspaper
Cham Press TV
Sama TV

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What's in the deal?

Agreement aims to boost trade by £25.5bn a year in the long run, compared with a total of £42.6bn in 2024

India will slash levies on medical devices, machinery, cosmetics, soft drinks and lamb.

India will also cut automotive tariffs to 10% under a quota from over 100% currently.

Indian employees in the UK will receive three years exemption from social security payments

India expects 99% of exports to benefit from zero duty, raising opportunities for textiles, marine products, footwear and jewellery