Your Essential Guide to Buying Property in Dubai

Purchasing a property in Dubai is more than a financial decision—it’s a step toward long-term value, lifestyle, and opportunity. Whether you’re an investor, an expatriate looking for a new home, or buying your first property, this guide outlines everything you need to know to navigate Dubai’s dynamic real estate market with confidence.

Eligibility to Buy in Dubai

Dubai welcomes both residents and international buyers. Individuals from any nationality, whether based in the UAE or overseas, are permitted to purchase property in designated freehold areas. This makes Dubai one of the most accessible markets for foreign investment in the region.

Required Documents

Depending on your status, different documents are needed for property purchases:

For individuals:

• Valid passport copies for all buyers

• Signed Buyer Agreement (Form B)

For local or international companies:

• Certificate of Incorporation

• Memorandum and Articles of Association

• Board Resolution and Power of Attorney

• Signed Buyer Agreement (Form B)

• For overseas companies: all corporate documents must be attested by the UAE Embassy

Residence Visa Eligibility

Property ownership in Dubai may also provide the opportunity to apply for a renewable two-year residence visa. Typically, a property valued at AED 1 million or more qualifies for this visa, though issuance is subject to immigration rules which may be updated over time.

Freehold vs. Leasehold

Properties in Dubai fall under two main categories: freehold and leasehold. Freehold gives you full ownership of the property and land, while leasehold provides long-term rights (typically between 30 and 99 years) to occupy the property. Most communities favored by international buyers offer freehold ownership.

Government Fees and Taxation

Dubai’s real estate sector remains highly attractive due to its tax-free nature. However, certain registration fees apply:

• 4% Dubai Land Department (DLD) fee based on property value

• 0.25% mortgage registration fee (if financed)

• AED 4,000–5,000 trustee registration fee depending on the property type

• Up to AED 5,000 for developer’s No Objection Certificate (NOC)

Additional Costs to Consider

Apart from the purchase price, buyers should budget for the following:

• Real estate agency fee (commonly 2% of the property price)

• Service charges which vary by community, calculated per square foot annually

• Pro-rata service fee if buying a completed property (paid from transfer date until end of billing cycle)

Developer Obligations and Handover Terms

For off-plan properties, developers are legally bound to adhere to estimated handover dates as mentioned in the Sales and Purchase Agreement (SPA). While minor delays are not uncommon, developers are also required to provide a 10-year structural warranty on newly constructed properties. Buyers are encouraged to review all timelines and contractual obligations before purchase.