United Arab Emirates Investment Guide
The UAE offers one of the most investor-friendly real estate environments in the GCC, with freehold ownership available to foreigners in designated zones across Dubai, Abu Dhabi, and other emirates.
- Always verify the developer's RERA registration
- Check for any outstanding service charges before purchase
- Ensure the property is in a designated freehold zone
- Be aware of off-plan payment schedules and risks
Foreigners can own freehold property in designated areas across the UAE. In Dubai, this includes areas like Dubai Marina, Palm Jumeirah, Downtown Dubai, and many others. Abu Dhabi opened freehold ownership to foreigners in 2019 in investment zones.
- Freehold ownership available in designated zones
- 99-year leasehold available in non-designated areas
- No nationality restrictions for freehold zones
- Corporate ownership permitted through UAE-registered companies
The UAE has a well-established property purchase process with clear regulations and transparent procedures.
Choose a property and agree on terms with the seller or developer
Sign Memorandum of Understanding and pay initial deposit (typically 10%)
Obtain No Objection Certificate from the developer (for secondary sales)
Complete transfer at Dubai Land Department or relevant authority
Register property and receive title deed
The UAE is known for its tax-friendly environment, with no personal income tax or capital gains tax on property investments.
- No personal income tax on rental income
- No capital gains tax on property sales
- 4% transfer fee on property purchase (Dubai)
- 2% transfer fee in Abu Dhabi
- 5% VAT on commercial properties (residential exempt)
- Service charges and maintenance fees apply
UAE banks offer mortgages to both residents and non-residents, though terms differ significantly.
- LTV up to 80% for residents, 50-65% for non-residents
- Mortgage terms typically 15-25 years
- Interest rates: 3-5% variable, 4-6% fixed
- Pre-approval recommended before property search
- Age limit typically 65-70 at loan maturity
Property investors in the UAE can qualify for residency visas based on their investment value.
- AED 750,000+ investment: 2-year renewable visa
- AED 2 million+ investment: 10-year Golden Visa
- Visa includes spouse and dependents
- No minimum stay requirements for Golden Visa
- Property must be completed (not off-plan)
Waterfront living with high rental yields
Yield: 6-7%Iconic island with luxury properties
Yield: 5-6%Premium location near Burj Khalifa
Yield: 5-6%Cultural district with beach access
Yield: 5-6%Entertainment hub with growing demand
Yield: 6-7%This guide is for informational purposes only and does not constitute legal or financial advice. Regulations may change. Always consult with qualified professionals before making investment decisions in United Arab Emirates.