Frequently asked questions

Straight answers on buying, owning, and investing in Dubai and UAE real estate. Choose a topic below.

Yes. Foreigners have been able to buy in Dubai since 2002, and there’s no restriction on nationality. The catch is that you can only own in designated freehold areas. Here’s how it works.

The legal basics

  • You don’t need to be a UAE resident to buy.
  • You have to be 21 or older.
  • The property is registered with the Dubai Land Department (DLD), and your name goes on the title deed.
  • Foreign ownership sits under Law No. 7 of 2006 on real property registration, which is what permits it in the designated areas.

Two types of ownership

  • Freehold: full, indefinite ownership. You can use, sell, or lease the property, and it covers apartments, villas, and townhouses. This is what most buyers want.
  • Leasehold: the right to use the property for a fixed term, usually 99 years, after which it returns to the original owner.

Where you can buy

Only in freehold areas. The popular ones include Dubai Marina, Downtown Dubai, Business Bay, Palm Jumeirah, Jumeirah Lake Towers (JLT), Dubai Hills Estate, and Arabian Ranches. They’re well placed for the business hubs, landmarks, and leisure, which is part of why they hold value.

How the purchase runs

  1. Find the property, ideally through a certified agent.
  2. Sign a Memorandum of Understanding (MOU) with the seller setting out the terms.
  3. Pay a deposit, usually 10% of the price, to secure it.
  4. The seller gets a No Objection Certificate (NOC) from the developer confirming nothing is outstanding on the property.
  5. Both sides go to the DLD to transfer ownership and register your name on the title deed.
  6. Settle the fees at registration: transfer fee around 4%, agency fee generally 2%.

Why buyers do it

  • Yields: among the highest anywhere, typically 6% to 10% a year depending on location and type.
  • No property or capital gains tax.
  • Residency: AED 750,000 and up qualifies you for a 2-year renewable visa; AED 2 million and up opens the door to the 10-year Golden Visa.
  • Capital appreciation: a strong track record, especially in the premium freehold areas.
  • Infrastructure: the connectivity, healthcare, schools, and lifestyle that make it work for expats.
  • A supportive government that keeps the rules transparent and investor-friendly.

What it costs on top of the price

  • DLD registration fee: 4% of the price.
  • Agent fee: typically 2%.
  • Annual maintenance fees, which vary by property and community.
  • If you’re financing, bank and loan processing fees, generally around 0.25% of the loan.

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