What fees apply when refinancing, beyond the settlement fee?

Besides the early settlement fee, budget for DLD mortgage registration at 0.25% of the new loan plus about AED 290, a DLD discharge fee of AED 1,000, a RERA-approved valuation of AED 2,500 to 3,500 plus VAT, trustee fees around AED 4,200, title deed AED 250, and the new bank's 0.5 to 1% arrangement fee.