Dubai property FAQ
Common questions from Dubai property investors
Straight answers for first-time buyers and experienced investors.
Before you buy
Clear answers, without the sales pitch.
General guidance only. Rules, fees and project terms can change, so confirm the current position before making a commitment.
01 · Buying as a non-resident
Buying from outside the UAE
Do I need to live in the UAE to buy?
No. Foreign buyers can own property in Dubai's designated freehold areas, whether or not they live in the UAE. A non-resident buyer can use a valid passport for sale registration.
UAE Government guidanceWhat is the process if I am overseas?
The route depends on whether the property is off-plan or ready. It normally includes agreeing terms, signing the relevant agreement, paying through the approved channel and registering the transaction with Dubai Land Department. A legally valid power of attorney may be used where a representative acts for you.
Do I need a UAE bank account?
Not always for a cash purchase. Payment methods depend on the transaction. A mortgage lender may require a UAE account and will set its own eligibility rules.
02 · Golden Visa
Property and long-term residency
Can property qualify for Golden Visa?
Yes. Dubai Land Department currently allows an investor whose qualifying property purchase value is AED 2 million or more to apply for a renewable 10-year residence permit.
Dubai Land Department requirementsCan a mortgaged property qualify?
Yes, subject to current evidence requirements. DLD says a mortgaged property may qualify when a bank letter shows AED 2 million has been paid, together with the required ownership documents.
Can family members be sponsored?
DLD states that the investor may sponsor a husband or wife, children and parents. Each applicant must meet the current documentation and application requirements.
03 · Off-plan payment plans
Understand the contract, not just the instalments
How do payment plans work?
The booking amount, construction instalments and handover balance vary by project. Review the full schedule, milestones and handover conditions alongside your own cash flow.
What happens if a project is delayed?
Your rights depend on the signed Sale and Purchase Agreement, project status and applicable rules. Review the delay, notice, termination and remedy clauses before purchase.
Can I resell before handover?
Possibly. Developer conditions, the amount paid, any no-objection requirement and DLD registration all matter. There is no single threshold for every project.
04 · Costs, fees and tax
Budget beyond the purchase price
What DLD fee applies to a sale?
DLD currently lists 2% for the seller and 2% for the buyer, plus applicable title-deed, map, knowledge, innovation and service-partner fees. The transaction breakdown should state who pays each amount.
DLD fee scheduleWhat other costs should I allow for?
Costs may include brokerage, developer or NOC charges, mortgage valuation and registration, trustee services, conveyancing, insurance and service charges. Use a property-specific cost view rather than one generic percentage.
Does the UAE charge personal income tax?
The UAE does not levy income tax on individuals. Your country of tax residence and ownership structure may still matter, so take qualified advice for your circumstances.
UAE taxation guidance05 · Working with NYSA
Start with your requirements
Is the first conversation free?
Yes. The initial conversation about your goals, budget, timing and questions is free.
What if I am not sure what I want?
That is a useful starting point. We clarify what the property should do, what you can comfortably commit and when you may need to sell before comparing options.
Speak to an advisor