How to buy property in Dubai as a foreigner
Dubai has become one of the world’s most attractive real estate destinations — offering luxurious communities, zero property tax, world-class infrastructure, and a straightforward buying process for foreigners. Whether you’re planning to invest, live, or earn rental income, buying property in Dubai as a non-resident is easier than many people expect.
In this guide, we explain everything you need to know before purchasing property in Dubai as a foreigner.
Can Foreigners Buy Property in Dubai?
Yes — 100% foreign ownership is allowed in designated “freehold areas.”
Foreign buyers can purchase, own, sell, lease, or rent out property without any restrictions in these locations.
Some of the most popular freehold areas include:
- Dubai Marina
- Downtown Dubai
- Business Bay
- Palm Jumeirah
- Jumeirah Village Circle (JVC)
- Dubai Hills Estate
- Arabian Ranches
- Jumeirah Beach Residence (JBR)
Step-by-Step Guide to Buying Property in Dubai as a Foreigner
1. Define Your Purpose
Before you start searching, decide your goal:
- Investment with high ROI
- Vacation home
- Permanent residence
- Long-term rental income
This will help you choose the right community and property type.
2. Set Your Budget
Dubai offers a wide price range:
- Studios from AED 500,000+
- 1BR apartments from AED 800,000+
- Villas/townhouses from AED 1.8M+
Also consider additional costs:
- 4% DLD fee
- AED 4,200 title deed fee
- Agency commission (2%)
- Service charges (varies by property)
3. Select a Trusted Real Estate Agent or Developer
Choosing the right agent is important. Look for:
- RERA-licensed agents
- Good market knowledge
- Clear documentation
- Transparent pricing
- Strong reputation
You can also buy directly from developers like Emaar, Damac, Nakheel, Sobha, and Danube.
4. Visit Properties or View Online
You can physically visit the site or take virtual tours.
Evaluate:
- Developer reputation
- Construction quality
- Community features
- ROI potential
- Payment plans
- Future growth in the area
5. Reserve the Property
To secure a property, you pay a 10% reservation or booking amount.
The developer or seller will then issue a Sales & Purchase Agreement (SPA).
6. Sign the Sales Agreement (SPA)
The SPA outlines:
- Payment schedule
- Handover date
- Penalties
- Warranty details
Always review it carefully.
7. Make the Payments
If buying off-plan, payments are made in milestones.
If buying ready property, payments are made through a single transaction or mortgage.
8. Register with Dubai Land Department (DLD)
To officially transfer ownership, the property must be registered with DLD.
The buyer pays:
- 4% DLD Transfer Fee
- AED 4,200 Title Deed Issuance
After registration, you receive the Title Deed, proving full ownership.
Can Foreigners Get a Mortgage in Dubai?
Yes. UAE banks offer mortgages to non-residents.
Typical requirements include:
- Passport copy
- Bank statements (6 months)
- Proof of income
- Credit history
Foreign buyers usually get up to 50–60% loan-to-value (LTV).
Benefits of Buying Property in Dubai as a Foreigner
1. 100% Ownership in Freehold Areas
Foreigners can fully own, sell, or rent out their property.
2. No Annual Property Tax
Dubai has zero property tax, making it very cost-effective.
3. High Rental Returns
Dubai offers 6–10% average rental yield, one of the highest globally.
4. Investor Visa Options
Buying property worth:
- AED 750,000+ → 2-year Residency Visa
- AED 2 Million+ → 10-year Golden Visa
5. Safe and Transparent Market
Dubai follows strict RERA regulations to protect buyers.
Types of Property Foreigners Can Buy
✔ Freehold
✔ Off-plan (under construction)
✔ Ready properties
✔ Apartments
✔ Villas & townhouses
✔ Retail/office spaces
✔ Hotel apartments
Is It Safe for Foreigners to Buy Property in Dubai?
Yes. Dubai has one of the world’s most regulated real estate systems.
RERA ensures transparency, property escrow accounts protect buyer payments, and DLD oversees all transactions.
