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Page Category: Lifestyle
Insurance
The Jointly Owned Property Law regulations and directions dictate that the community manager must maintain a minimum level of insurance including property insurance, public liability, fidelity guarantee, and board members’ liability.
Your building is insured for accidental, physical loss and damage or destruction to the property, this includes (but is not limited to) fire, lightning, aircraft damage, explosion, earthquake, riot, strike, malicious damage, storm, flood as well as bursting or overflowing of water apparatus/tanks/pipes. The cover is also extended to include the cost of rent for alternative accommodation, and public liability for injury to third parties for loss of or damage to third party property. Finally, we have you covered against political violence: your building is insured against loss or damage liability for injury to third parties or for loss of or damage to third party property by an act or series of acts of sabotage and terrorism, malicious damage, riots, strikes, civil commotion, invasion, acts of foreign enemies, hostilities (whether war be declared or not), civil war, rebellion, revolution, coup d’état, insurrection or mutiny and war. Important: Coverage excludes loss or damage to homeowner’s / tenant’s personal belongings, including modifications made on fittings that were not originally provided as part of the unit.
It is highly recommended that you take out adequate insurance on the contents of your unit, including any modifications made to the original unit, for example, park flooring. The insurance maintained by the community manager only covers the structure of the building, therefore contents such as your furniture, electrical appliances, curtains, and carpets, would not be covered. Homeowners can suffer significant losses when their personal property is not insured if there is a fire, unexpected events, natural calamities, water damage or even accidental damage. Please make sure you protect your home and belongings with a contents insurance policy. This can be done easily; often all you need to do is complete a simple proposal form – usually, insurance companies offer guidelines for this. We encourage you to contact any local insurance company, broker or bank that offers home contents insurance. Please refer to the community rules.
Household staff
All members of your household staff must be sponsored by you or must be hired through a professional agency. For more information please refer to the household staff fact sheet.
Please contact your community security office.
No. Entry permits will be only be issued for maids under the sponsorship of unit owners or tenants. As per local law, a person can only work for you as a maid or another household staff member, if he/she is sponsored by you, or if you hire the services of an individual through a reputable agency. You cannot employ a person on someone else’s sponsorship, even if they obtain a NOC from their sponsor. This is illegal and you could be fined up to AED 100,000 by the local authorities.
No. You do not need to obtain an entry permit to enter other communities as you are considered a visitor.
No. According to local law, it is illegal to work for anyone other than the household that sponsors you.
Home maintenance
Yes, service providers are allowed to enter the premises of the community on the condition that they comply with the community rules.
No, the common property may not be used permanently by any individual.
For more information on this, please refer to the alterations fact sheet.
Garbage disposal
Please ensure that it is sealed securely in a bag before putting it down the garbage chute. Then check the chute door is properly shut so residents can dispose of their rubbish on other floors. Under no circumstances should hot cooking oil or lit cigarettes, ashes, matches or candles be thrown down the chute, as any of these items could start a fire. If your domestic helper disposes of your garbage, please make sure that he or she is also aware of the correct way to use the chute. Please do not leave items of oversized waste in the garbage chute room, instead make your own arrangements to dispose of this type of waste. For recyclable waste, please dispose of your items in the recycling chute from the refuse room on your floor.
Please do not leave items of oversized waste in the garbage chute room, instead make your own arrangements to dispose of this type of waste by contacting any reputable waste collection service provider.
Community service fee
The CSF is each owner’s annual contribution towards his/her share of the common expenditure of the community. The CSF rate is determined based on the estimated annual expenditure of the community for the operation and maintenance of the common property as well as its share towards the master community. Please see the community service fee page for further information.
There are various ways you can pay the community service fee relating to your property: – By cheque – Online payment – Self-service kiosk at Customer Happiness Centre, Emaar Square – Visit our Credit Control Department at Emaar Square – Bank transfer
Delayed/non-payment of the CSF can potentially deprive your community of the funds required to continue the supply of essential services such as common area maintenance, air-conditioning, security, street lighting, and irrigation. CSF defaulter awareness campaigns, as well as the suspension of non-essential services, have proved useful measures in boosting the collection of outstanding dues. In some cases, a debt recovery agency has been appointed to supplement ECM’s actions. Approvals for unit sales and alterations are also restricted until the outstanding community service fees have been paid.
Our budgeting team considers the following aspects when calculating the community service fee (CSF): · Historical expenses: We evaluate actual expense trends from the previous year based on individual cost items. Depending upon the operational plan, we decide whether or not to include them again in the following year’s budget. In addition, our hands-on experience from daily site operations gives further insight into various aspects of accurate budgeting and cost savings. · Resource allocation on site: We periodically review resources on-site to find ways of improving performance by employing new technology and operational methods based on international best practices. This continuing development in the management of our resources has a substantial and positive effect on the budget. · Service provider contracts: By regularly reviewing service provider contracts, we can evaluate key areas of improvement such as performance and cost savings. This helps us to determine future budgets and predict expenses. · Capital asset evaluation (maintenance, repair, and replacements): Capital assets that are no longer under the manufacturer’s warranty are regularly reviewed for major maintenance or replacement. Essential equipment, such as sewage pumping stations and/or similar items, supports the overall infrastructure of the community. So we make allowance in our budget for the upkeep of these items, thus ensuring the community has sufficient funds available during times of emergency and/or when replacements are required. · Provision for doubtful debts: This amount allows for the setting aside of a small portion of CSF collections as a provision in case certain receivables are required to be written off in the future. This practice conforms to the basic accounting principle of conservatism and this step is taken to strengthen the financial position of the community. · Surplus/deficit adjustment from previous years: Finally, any surpluses or deficits from previous years are brought into consideration during the determination of the CSF rate for the current year. This allows us to maintain funds at an optimum level to cater for every eventuality and serve the community to the highest standards.
The general fund consists of the day-to-day operating and administrative expenses used to maintain your community, whether you live in an apartment or villa. Operational expenses include, but are not limited to, the maintenance, utility costs, and management of the following: · Common areas including infrastructure, landscaping/irrigation, and water features; general as well as specialised cleaning; pest control; and civil works such as painting, tiling, masonry, and carpentry · Air supply/distribution components for common areas and private units · Common area lighting, which includes streets, walkways, corridors, façade, aircraft warning lights as well as intelligent and central emergency lighting systems · Common and shared recreational areas such as gyms, squash courts, and swimming pools · Elevators · Garbage chutes and waste collection · Firefighting equipment as well as fire detection and control systems/networks · High and low voltage systems and networks (including earthing and protection systems) · Generators and associated facilities · Domestic water and supply systems/networks · Mechanical, Electrical and Plumbing assets (MEP) · Signage – its design, manufacture, and placement within the community · Access control systems · Building management systems (BMS) · Building maintenance units (BMU) · Community security and control rooms · Periodic upgrades and/or replacements of non-capital equipment and consumables · Monitoring/supervision personnel including swimming pool lifeguards and security staff · Mailbox service · Compliance with statutory requirements and/or related internal policies, which includes water quality testing and monitoring, cleaning, security, waste management, insurance, noise levels, swimming pools, lifting equipment (elevators, BMU), firefighting and control systems (devices and equipment), pest control and management Administrative expenses include, but are not limited to, the maintenance, utility costs, and management of the following: · Community events and awareness campaigns · Communication charges · Statutory fees and permits · Legal and professional fees · Common area insurance · Management costs · Auditor’s fees · Bank charges
A master community levy is charged to each community and other non-residential entities, for example, schools, clubs, and retail areas within a master community. This charge forms part of your CSF and covers items such as sewage treatment plants, maintenance of the master community infrastructure including roads, bridges, underground services, storm drains, sewage lines, and pavements. In other words, the master community levy goes towards the maintenance of areas that are not part of any particular community but are common to the master community and shared by all.
The special levy is a one-off charge for items not in the design or those not covered under the general fund.
Booking amenities
To book an amenity, access your community portal by clicking on the log in button and select the ‘Amenities Reservations’ option from the side menu.
Due to safety reasons, the community swimming pools cannot be used as a venue for parties.
Home modifications
Please refer to the community rules for more information on this matter.
The repair costs and maintenance of common areas are paid for through the community service fee. In cases of vandalism, the person responsible will be issued an NOV and charged for the rectification, if that person can be identified.
You, as the homeowner, are responsible, unless the pipe services more than your unit, in which case the responsibility reverts back to the community manager.
Any cabling and switch equipment within your unit from and including the unit’s distribution board is the unit owner’s responsibility. The unit owner is also responsible for the payment of their own electricity bill. The supply of electricity from the mainline into the building to your unit is the responsibility of the community manager.
Yes. Please log onto your community portal and select ‘Home Modifications’ from the menu to apply for a NOC.
First, contact your preferred maintenance company. In case the blockage proves to be in a common area drain line, contact ECM at 800 EMAAR (36227).
No. Please contact ECM on 800 EMAAR (36227).
Top 10 questions
These FAQs have been put together to provide a quick reference for some of the most common topics you might be interested in knowing about your community.
Do you want to find out about hosting a party in one of the common areas? The first steps in making an alteration to your home? Or perhaps you’d like some information about pets? Scroll through and click on one of the questions / links to get an answer.
Our top 10 questions are based on statistics taken from our contact centre, so hopefully that’s the best place for you to start looking.
Homeowners/tenants can apply for building and parking access cards on this website by logging in with your credentials. Additionally, payments can be made online with ease.
For urgent matters, please contact community security or call us on 800 EMAAR (36227).
For non-urgent issues, log in to your community portal using the LOG IN button at the top right and select My Service Requests from your menu. Here, you can attach a picture along with your comments and the exact location (building/floor/street) and submit.
If the issue pertains to structural defects within your premises, you may visit our Customer Happiness Centre located at Emaar Square, Building 2, Ground Floor.
For accidents or claims, please contact Dubai Municipality on 800 900.
As mentioned in the notice of violation itself, you are required to comply within the time frame specified and ensure that the issue is not repeated in the future. You may also contact ECM on 800 EMAAR (36227) for any clarification you might require.
You can submit your request for the MIP by filling out the online form here and uploading the required documents.
Yes. Please log onto your community portal and select ‘Home Modifications’ from the sidebar to apply for a NOC.
The park and other common amenities can be used on a first come first serve basis. When using them, kindly ensure the following: – The activity does not cause disturbance or hinder the usage of the area for other residents – The area is to be used in a careful, considerate manner (with no damage to foliage and/or community assets) – The area is to be left clean after use – The resident is responsible for the actions of his guests within the community – The community rules are adhered to – Should any complaints from residents be received and verified, security will request the activity to be stopped. Failure to comply will result in a notice of violation being issued. For amenities such as multi-function rooms, meeting rooms, BBQ areas (where applicable), you may reserve them by logging in using the ‘Log in’ tab at the top.
For information on the availability of visitor parking in your community, please contact your tower reception or the community security office. Kindly note that visitor parking is only for visitors at the underground car park – accessible after the Island Drive. Residents are requested to use their assigned parking bays only.
Residents can apply for Etisalat (www.etisalat.ae) or du services (www.du.ae) for home internet and entertainment services.
The window cleaning schedule for your tower is posted on the community noticeboards.
Yes. EMAAR ONE is an all-in-one app to manage Emaar properties and book home services from anywhere and anytime. This is available on the App Store and on Google Play. Key features include: – Move-in and NOC request – Services fees & installment payments – Amenities bookings – Live construction updates – Voice service requests & status updates – Home services bookings – Latest launches, exclusive offers & events – Digital handover process NOTE: If you are a new user, you can select the “Need Help?” tab to get your password and enter your registered primary email address in the “Forgot Password” tab.
Community service fee
Timely payment of the community service fee helps keep your community’s services ticking smoothly.
Community service fee
The community service fee (CSF) is the homeowner’s annual contribution towards the common expenditure of the community. The CSF is based on the estimated annual expenditure of the community for the operation and maintenance of its common property and assets.
Your CSF invoice gives you a detailed breakdown of how we arrive at the CSF for the year. We also send out an information pack with further details about each community relating to the previous year, with news of key events and developments.
Note: If you are a homeowner and would like to refer the latest CSF information pack, log into this website with your credentials to read it.
What are the main components of my CSF?
General fund
It consists of day-to-day operating and administrative expenses used to maintain your community. Operational expenses include the maintenance, utility costs and management of everything from common area infrastructure and landscaping, to waste collection and signage placement.
Capital reserve fund
It was established to pay for costs incurred in the repair and replacement of significant capital items, such as elevator or chiller replacements, flooring, painting, and cladding of buildings.
Special levy
This is a one-off charge for items not in the design or those not covered under the general fund. For example, if you require an additional facility such as a play area or a swimming pool, the cost for this will be covered by the special levy.
Master community levy
This charge is paid through the CSF and covers items such as plants and the maintenance of the master community infrastructure including roads, underground services, storm drains, sewage lines and pavements.
Value added tax (VAT)
Value added tax (VAT) has an impact on your community service fee (CSF) as it includes several items such as maintenance services, utilities, insurance, etc. This means that the VAT collected as part of your CSF will then be paid to the Federal Tax Authority.
How VAT works:
Homeowner – all homeowners are charged 5% VAT payable to ECM
Emaar Community Management (ECM) – ECM pays 5% VAT to relevant suppliers and service providers.
Federal Tax Authority – ECM pays the difference between the VAT collected from customers and VAT paid to suppliers to FTA. Suppliers and service providers also pay a 5% VAT to FTA.
Source: Federal Decree Law No. 8 of 2017 & Cabinet Decision No. 52 of 2017
How the community service fee is calculated
Our budgeting team considers the following aspects when calculating the community service fee (CSF).
Historical expenses
We evaluate actual expense trends from the previous year based on individual cost items. Depending upon the operational plan, we decide whether or not to include them again in the following year’s budget.
Resource allocation on site
We periodically review resources on site to find ways of improving performance by employing new technology and operational methods based on international best practices.
Service provider contracts
By regularly reviewing service provider contracts, we can evaluate key areas of improvement such as performance and cost savings. This helps us to determine future budgets and predict expenses.
Capital assets evaluation (maintenance, repair and replacements)
Capital assets that are no longer under manufacturer’s warranty are regularly reviewed for major maintenance or replacement. Essential equipment, such as sewage pumping stations and/or similar items, support the overall infrastructure of the community.
Provision for doubtful debts
This amount allows for the setting aside of a small portion of CFS collections as a provision in case certain receivables are required to be written off in the future.
Surplus/deficit adjustment from previous years
Finally, any surpluses or deficits from previous years are brought into consideration during the determination of the CSF rate for the current year.
Community income
In addition to the CSF, the community has a few other revenue streams that also contribute to its income.
Parking access cards
The cards used by residents to enter their building or parking areas are provided to homeowners at a small cost and the income generated is credited to the community’s account.
Marketing and distribution permit fee
To ensure that only legitimate businesses gain access to the community, we regulate activity with the provision of a permit that allows the distribution of promotional material. An administration fee is collected and booked as income to the community.
Violation penalty
To ensure adherence to the community rules and architectural codes, NOVs are issued along with violation penalties to those who fail to comply.
Miscellaneous income
This is income generated from other avenues such as interest earned on call accounts or bounced cheque charges.
How can you pay?
You can pay your community service fee through a variety of easy payment methods.
Online banking services (account holders only): Log on to your personal online bank account at RAKBANK, Mashreq Bank, Emirates NBD or Dubai Islamic Bank and follow the payment instructions.
Self–service kiosks
Make cheque and credit/debit card payments using our interactive payment kiosk located at the Customer Happiness Centre in Emaar Square, Building 2.
Direct bank transfer
Directly transfer funds from your bank account to the community bank account as detailed on the front of your CSF invoice.
Autopay
Set up autopay instructions for payment of future invoices on their due dates.
Please follow the online payment link on the invoice and log onto www.dubaicreekharbour.ae for setup.
What happens if you don’t pay
Your community boasts a strong collection rate, one of the highest in the emirate. However, there are still a few homeowners who delay their payment, which ultimately affects the wider community as well as simply being unfair to those who pay promptly. If you continue to default on your payments, we may be forced to take one or all of the following actions:
Suspension of non-emergency services to your property.
Denial of services including non-issuance of NOC for transfer of property, visa renewal, access cards, etc.
Referral of the case to a professional debt recovery agency.
Initiation of legal action.
As stated in the sales and purchase agreement, payment of the CSF in full and on time is the obligation of every homeowner. Delay /non-payment of the CSF has the potential to deprive your community of the funds required to continue the supply of essential services such as common area maintenance, air-conditioning, security, waste collection, street lighting, and irrigation.
Pool safety
Here are some useful tips to help you and your little ones stay safe in the community pool.
Never leave babies/children alone or in the care of another child, while in or near pools.
Do not leave pool toys in the water as a child could fall in while trying to retrieve them.
Consuming alcohol at a public swimming pool is against the law.
If you have any illness or infection (such as a cold, sore throat, diarrhoea), please refrain from entering the pool to prevent spreading the disease.
Take children on bathroom breaks every hour or check diapers every 30-60 minutes.
Shower with soap before you start swimming (then rinse yourself under the shower at the pool before you swim).
What our
residents say
Yasir Jaffery
Views Tower
Emaar Ocean Front is not just a property location, it's a vision of what could and should be. It's a secluded private island with breathtaking views.
SJ
Reef Tower
Being a residence of Emaar has been a privilege. Not only it provides the best communal services to its residents but also the vibe is absolutely breathtaking in terms of the beautiful scenic views.
SANAM
REEF TOWER
Emaar is a serenity amidst the chaotic city of Karachi. These big structures of living make you forget that you live in Pakistan. They have done an outstanding work on the bay.