Dubai has become one of the most attractive global destinations for real estate investment, especially for foreigners. Its tax-free income, world-class infrastructure, and investor-friendly laws make it a top choice for property buyers from around the world. But if you’re considering buying a home in Dubai as a foreigner, you likely have questions—and we’ve got the answers.
In this blog, We Care Properties answers the most frequently asked questions about buying property in Dubai as a non-UAE resident.
✅ 1. Can Foreigners Buy Property in Dubai?
Yes, foreigners can buy property in Dubai. Since 2002, Dubai opened its property market to non-UAE nationals. Foreigners can buy, sell, and lease property in designated freehold areas like:
- Downtown Dubai
- Dubai Marina
- Palm Jumeirah
- Business Bay
- Jumeirah Village Circle (JVC)
- Dubai Hills Estate
These zones are specifically designated for full foreign ownership.
✅ 2. What Types of Properties Can I Buy?
Foreigners can purchase various types of properties including:
- Apartments
- Villas
- Townhouses
- Off-plan properties (under construction)
- Commercial properties
Both ready-to-move-in and off-plan properties are available, depending on your budget and investment goals.
✅ 3. Do I Need a UAE Residency Visa to Buy Property?
No, you do not need a residency visa to buy property in Dubai. However, if your investment is above AED 750,000, you may be eligible to apply for a 3- to 10-year residency visa under the Dubai Property Investor Visa Program.
✅ 4. How Much Does It Cost to Buy Property in Dubai?
Aside from the property’s purchase price, here are standard additional costs:
- Dubai Land Department (DLD) fee: 4% of the property value
- Agency fee: 2% (approx.)
- Oqood fee (for off-plan): AED 5,250
- Registration fees: AED 4,000 – AED 5,000 (for ready properties)
- NOC (No Objection Certificate): AED 500 – AED 5,000 (for resale properties)
✅ 5. Can I Get a Mortgage as a Foreigner in Dubai?
Yes. Foreigners and expats can apply for a mortgage, subject to eligibility. Most banks offer:
- Loan-to-Value (LTV) of up to 80% for UAE residents, and 50-70% for non-residents
- Competitive interest rates (fixed or variable)
- Tenure up to 25 years
You will need to provide:
- Passport & visa copy
- Proof of income (salary certificate or audited financials)
- Bank statements (last 6 months)
✅ 6. Is Buying Off-Plan Property Safe for Foreigners?
Yes, but due diligence is essential. Off-plan properties are regulated by the Dubai Land Department and RERA (Real Estate Regulatory Agency). Always buy from RERA-approved developers, and check:
- Project status and delivery timeline
- Developer’s track record
- Payment plans and escrow account details
✅ 7. Can I Rent Out My Property?
Absolutely. Dubai offers strong rental yields, especially in areas like JVC, Dubai Marina, and Business Bay. You can:
- Lease long-term (yearly)
- Operate as a holiday home (requires a DTCM license)
- Hire property management companies to handle rentals
✅ 8. Are There Any Annual Costs for Homeowners in Dubai?
Yes. Owners pay service charges for the upkeep of communal facilities. Charges vary depending on location and property type and are calculated per square foot. Expect to pay:
- AED 10–30/sq ft annually for apartments
- Higher rates for luxury or waterfront communities
✅ 9. What Legal Protections Do Foreign Buyers Have?
Dubai’s real estate market is well-regulated. All transactions are handled through the Dubai Land Department, and you’ll receive a Title Deed upon completion. For added security:
- Use a licensed real estate agent
- Ensure contracts are registered with RERA
- Avoid cash deals—always go through formal channels
✅ 10. Should I Buy Through an Agent or Directly from the Developer?
Both options are viable:
- Buying from a developer (especially off-plan) may offer flexible payment plans or fee waivers.
- Buying through a real estate agency (like Digital Maven) gives you access to resale opportunities, expert advice, and legal guidance.
🏁 Conclusion
Buying property in Dubai as a foreigner is easier than ever thanks to transparent laws, competitive pricing, and a wide selection of freehold areas. Whether you’re investing or relocating, Dubai offers long-term value and exceptional lifestyle perks.
At Digital Maven, we specialize in helping foreign buyers find their perfect property in Dubai. From market research to registration and handover—we guide you every step of the way.
👉 Looking to buy property in Dubai?
Contact We Care Properties today for a free consultation and access to exclusive listings.
