1. Freehold Ownership: What’s Allowed & Where
Foreign investors can own 100% freehold property — meaning full ownership with resale, rental, and inheritance rights — in designated Dubai areas like Downtown, Dubai Marina, Palm Jumeirah, and JLT. These locations offer strong rental demand and long-term appreciation.
2. Property Process: Key Steps & Fees to Expect
Here’s how a typical property purchase works in Dubai:
Sign the MoU (Form F) and pay a deposit (usually 10%)
Obtain a No Objection Certificate (NOC) from the developer confirming there are no outstanding fees (AED 500–5,000)
Complete the transfer at a DLD-authorised trustee office, attend in person or via video (if overseas). Required documents: passports, signed SPA, NOC, manager’s cheque, Emirates ID (if applicable), etc.
Pay the closing costs, which typically include:
4% DLD transfer fee of the property value
Title deed issuance (~AED 580)
Trustee fees (AED 2,000–4,000 depending on value)
Mortgage registration: 0.25% of loan + AED 290 (if applicable)
Oqood fee (for off-plan properties): ~AED 540
Example: Buying a ready property valued at AED 2 million costs approximately AED 88,910 in fees dubaiinvest.com.au.
3. Off-Plan vs Ready Properties: What You Should Know
Ready Properties
- Immediate ownership and rental potential
- You can inspect the unit before buying
- Mortgage-friendly and liquid resale market
Off-Plan Properties
- Often lower purchase price with flexible payment plans
- Payments held in DLD-secured escrow accounts for investor protection
- Title deed issued upon completion through the Oqood process dubaiinvest.com.au
4. Financing: Mortgage Options for Foreign Buyers
Foreign investors can secure mortgages in Dubai with:
- Loan-to-value (LTV) ratios of 60–70%, depending on residency and property type Higher down payments (typically 25–40%) for non-residents
- Competitive interest rates; full documentation (passport, income proof, bank statements) is required
5. Residency Through Property Investment
Buying real estate in Dubai can also unlock residency options:
- AED 750,000+ investment — qualifies for a 2-year renewable investor visa, subject to title deed and, if mortgaged, 50% equity with bank no-objection Dubai Land Department+1.
- AED 2 million+ investment — qualifies for a 10-year Golden Visa, extendable and available to spouse, children, and parents Dubai Land Department.
- Media reports confirm that once the title deed is issued, qualified investors can apply immediately The Times of India.
6. Ongoing Costs & Legal Protection
- No property tax, capital gains tax, or inheritance tax in Dubai — a major advantage for investors
- Annual service charges (AED 12–30 per sqft) cover maintenance and facilities, plus sinking funds for major repairs
- The Real Estate Regulatory Agency (RERA) under the DLD ensures transparent transaction processes and legal oversight
Summary Table
| Feature | Details |
|---|---|
| Ownership Type | 100% freehold in designated areas |
| Closing Costs | ~4–5% of property value (DLD fees, trustee, admin) |
| Mortgage LTV | 60–70% for expats; 25–40% down payment for non-residents |
| Residency Options | AED 750K → 2-year investor visa; AED 2M → Golden Visa |
| Annual Fees | No taxes; just service charges for maintenance |
| Investment Safeguard | Escrow protection for off-plan payments; regulated by RERA |
Final Thoughts:
Dubai offers a secure and rewarding environment for foreign property buyers thanks to robust legal infrastructure, investor visa incentives, and tax-free returns. For first-time or seasoned buyers, understanding the full process from fees to financing is crucial for a seamless investment journey.
