Dubai continues to attract global real estate investors, expats, and high-net-worth individuals thanks to its tax-free environment, innovative architecture, and vibrant lifestyle. However, buying property in Dubai—especially in 2025—requires careful planning, legal awareness, and due diligence. If you’re planning to invest in the emirate’s property market, here are 10 essential questions you must ask to make an informed decision and secure a profitable investment.
1. What Type of Property Ownership is Available to Foreigners in Dubai?
Dubai offers two main types of property ownership:
Freehold Ownership
This allows foreigners to buy, sell, lease, or rent out property in designated areas such as Downtown Dubai, Dubai Marina, and Palm Jumeirah. You will have full ownership rights of the property and the land it sits on.
Leasehold Ownership
You can lease a property for up to 99 years but do not own the land. This option is available in non-freehold zones and often comes with restrictions.
Ask this: “Is the property in a freehold zone, and what are the terms of ownership?”
2. Who is the Developer, and What is Their Track Record?
Reputation is everything in real estate. Investigate the developer’s history of completed projects, delivery timelines, and after-sales support.
Key Developers to Consider in 2025
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Emaar Properties
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Nakheel
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Sobha Realty
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DAMAC Properties
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Meraas
Ask this: “Can I see past projects delivered by this developer and reviews from other buyers?”
3. Is the Project Off-Plan or Ready to Move In?
Understanding the project’s status will affect your financing, ROI, and risk levels.
Off-Plan Properties
These are under construction and usually offered at lower prices with attractive payment plans. However, they carry completion risks.
Ready Properties
Immediate occupancy but come at a premium. Better suited for those who want to move in quickly or rent out immediately.
Ask this: “What’s the expected handover date, and what guarantees come with off-plan investments?”
4. What Are the Total Costs Involved in the Purchase?
The purchase price is just the beginning. Be sure to calculate all additional fees, including:
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Dubai Land Department (DLD) fee: 4% of the property value
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Agency fee: 2%
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Oqood (off-plan registration): 0.25%
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Service charges: AED 10–30 per sq.ft. annually
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Mortgage registration fee: 0.25% (if applicable)
Ask this: “Can I get a full breakdown of all transactional and recurring costs before signing anything?”
5. Is the Developer Registered with RERA?
The Real Estate Regulatory Agency (RERA) ensures developers adhere to construction timelines, legal obligations, and ethical practices.
Verify Legitimacy
Check if the project is RERA-approved using the Dubai REST app or through the DLD website.
Ask this: “Is this project registered and approved by RERA with an active escrow account?”
6. What Are the Rules for Financing Property in Dubai?
Mortgage rules differ between UAE residents and non-residents. Non-residents can generally obtain up to 50%–60% financing of the property value from UAE banks.
Common Requirements:
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Minimum salary/income proof
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Passport copy
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3–6 months of bank statements
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Proof of employment or business
Ask this: “What are the financing options for non-residents in 2025, and which banks offer the best mortgage deals?”
7. What Is the ROI and Rental Yield for This Area?
Dubai’s average gross rental yields are between 6% and 9%, among the highest globally. Areas like JVC, Dubai Hills Estate, and Business Bay continue to provide strong returns.
Use ROI Calculators
Ask for historical rental income data and compare it with your total investment and ongoing expenses.
Ask this: “What rental yield can I expect in this area, and how has the market performed over the past 3 years?”
8. Are There Any Restrictions on Resale or Leasing?
Some off-plan contracts may restrict resale before completion or impose penalties. Be clear about these terms to avoid surprises.
For Investors
Make sure there are no rental pool obligations or management exclusivity clauses that limit your flexibility.
Ask this: “Can I resell the property before handover or lease it short-term without restrictions?”
9. What Are the Community Amenities and Infrastructure Plans?
The success of your investment is tied to the infrastructure, schools, transport, and commercial developments nearby.
Due Diligence:
Check for:
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Road access
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Public transport
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Upcoming malls or hospitals
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Schools and recreational zones
Ask this: “What future developments are planned in the area, and how will they affect property value?”
10. What Are My Legal Rights and Responsibilities as a Buyer in 2025?
In 2025, Dubai continues to evolve its real estate laws, offering increased transparency and buyer protection mechanisms.
Legal Aspects to Understand:
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Escrow account regulation
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Title deed process
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Handover inspections
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Dispute resolution with RERA
Ask this: “Can you walk me through the legal process step-by-step, from signing the SPA to receiving the title deed?”
Bonus Tip: Should I Work with a RERA-Certified Agent?
Absolutely. RERA-certified agents follow strict compliance and are accountable to governing bodies. They will:
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Ensure accurate listings
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Assist in negotiations
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Verify ownership and legality
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Offer comparative market analysis
Ask this: “Are you RERA-certified, and can you share your license ID and transaction history?”
Conclusion: Be an Informed Buyer in 2025
Buying property in Dubai is one of the most lucrative investment moves you can make in 2025, but only if you ask the right questions. From understanding ownership types to verifying legal compliance, the due diligence you do now will protect your capital and maximize your returns. Always consult with legal professionals, certified agents, and registered developers to avoid pitfalls and ensure a seamless transaction.
Whether you’re a first-time buyer or a seasoned investor, use this 2025 guide as your checklist to make smart, secure, and rewarding real estate decisions in Dubai.
