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All You Need to Know.

Can foreigners buy property in the UAE?

Yes, foreigners can buy property in designated freehold areas in Dubai, Abu Dhabi, and other emirates.

What is the difference between freehold and leasehold property?
  • Freehold: Full ownership of the property and land.
  • Leasehold: Right to use the property for a period (usually 30–99 years), but the land remains under the ownership of the developer/government.
What are the steps to buy a property in Dubai?
  1. Choose a property
  2. Sign a Memorandum of Understanding (MoU)
  3. Pay a deposit (usually 10%)
  4. Get NOC from the developer
  5. Transfer ownership at the Dubai Land Department (DLD)
Do I need a residence visa to buy property in the UAE?

No, a visa is not required to purchase property, but property investment may qualify you for a residency visa.

What are the property purchase fees in Dubai?

Typically:

  • 4% DLD transfer fee
  • 2% agent commission
  • AED 4,200 (approx.) Title Deed issuance fee
Are there any ongoing property taxes in the UAE?

There is no annual property tax in the UAE, but service charges apply for maintenance and community services.

Can I get a mortgage as a non-resident?

Yes, some banks offer mortgages to non-residents, usually with a 50% LTV (loan-to-value) ratio.

How much is the down payment for a mortgage in the UAE?
  • First-time buyers: 20% for expats, 15% for UAE nationals
  • Second property: 30% for expats
What are service charges?

Fees paid annually to cover building maintenance, security, cleaning, and common area upkeep—calculated per square foot.

Can I rent out my property?

Yes, landlords can rent out their properties, either long-term or short-term (with a holiday home permit).

What is Ejari?

Ejari is a system that registers rental contracts with the Dubai Land Department to legalize landlord-tenant relationships.

How long does it take to complete a property purchase in Dubai?

Usually 2 to 6 weeks, depending on whether the transaction is cash or mortgage-based.

Can I buy off-plan properties?

Yes. Many developers offer off-plan properties with installment plans. Always check if the developer is DLD-approved.

What are the risks of buying off-plan?
  • Project delays or cancellations
  • Changes in market value
  • Developer insolvency (ensure escrow accounts are in place)
How can I check if a developer is approved?

Visit the Dubai Land Department (DLD) website or use the REST app to check developer licenses and project status.

What visa can I get through property investment?
  • 2-year residency visa for property worth AED 750,000+
  • 10-year Golden Visa for properties AED 2 million+ (conditions apply)
Is there capital gains tax on selling property?

No, the UAE does not charge capital gains tax on property sales.

Can I own property in Abu Dhabi as an expat?

Yes, in investment zones such as Al Reem Island, Yas Island, and Saadiyat Island.

Can I inherit or pass on property in the UAE?

Yes, but inheritance is governed by Sharia Law unless a registered will (e.g., DIFC Wills) states otherwise.

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