From visas to mortgages, learn how non-residents can securely invest in Dubai’s real estate market.
Dubai allows 100% foreign ownership in freehold areas—a rare advantage globally. Follow this checklist to invest confidently.
Step 1: Choose Your Location
- Freehold Zones: Palm Jumeirah, Downtown, Dubai Marina (full ownership).
- Non-Freehold: Limited to leases (typically 99 years).
Step 2: Secure Financing (If Needed)
- Mortgages for Expats: Up to 75% LTV for AED 5M+ properties.
- Cash Buyers: Must show proof of funds (bank statements).
Step 3: Due Diligence
- Verify developer credentials (check RERA’s Trusted Developers list).
- Hire an independent inspector for ready properties.
Step 4: Signing & Fees
- Sales Agreement: Typically 10% deposit.
- Additional Costs: 4% DLD fee + 2% agent commission. AED 580 registration fee.
Step 5: Post-Purchase
- Utilities: DEWA connection (AED 2,000 deposit).
- Golden Visa: Apply if investment exceeds AED 2M
- Pro Tip: Use a bilingual real estate agent to navigate legal nuances and negotiate better terms.
Conclusion
With transparent laws and high ROI potential, Dubai makes foreign ownership seamless. Download our free buyer’s guide for detailed insights.
