Can I purchase a property in Dubai?

Yes. Nationals, non-nationals, and non-residents can all purchase property in Dubai. The funds to purchase will need to be available in Dubai and you will need to be in the country to complete the purchase or have appointed a power of attorney (POA) to act on your behalf.

Do I need a real estate lawyer?

A purchasing contract is prepared by our in-house conveyancers. It is a legal contract governed by the Real Estate Regulatory Authority (RERA) and outlines the conditions and process of the sale. The conveyancers will complete all stages of your purchase up to the final completion when you receive the keys to your new property.

What documentation will I need when buying?

If you are a non-resident, you will need to show a valid passport as identification. If you are a resident of Dubai, your Emirates identification card will be required also.

Are there any restrictions to where I can buy a property in Dubai?

Non-nationals can only buy in specific areas of Dubai – these are called freehold communities. Most communities, however, are freehold and can be purchased in.

Can I obtain a mortgage to buy a property in Dubai?

Yes. For residents of Dubai, banks will lend buyers up to 70% of the purchasing price for completed properties, and 50% for properties still under construction. Mortgagees will need to pass the banks credit checks and you must have a proof of monthly income (if a resident). Non-residents can also borrow from Dubai banks up to 50% of the purchase price. This is called a non-resident loan. All mortgages have processing and registration fees so check first before agreeing to any loan.

Will I be required to pay a deposit when signing the sales contract?

Yes. Upon selecting the property you wish to purchase, a security deposit will be requested from you and held in our escrow regulated account. The amount is equivalent to 10% of the agreed sale price and will be given to the seller only when the property is transferred into your name.

How long will a sale take to complete?

It will all depend on the circumstances of both buyer and seller and if mortgages are involved by either side. Generally, if the buyer is a cash purchaser and there is no mortgage on the property, the sale will take approximately 4 weeks. If one or other party has a mortgage, the process will take between 6 to 8 weeks approximately.

What fees will I have to pay?

When purchasing any property in Dubai, you will be required to pay a property transfer fee. The transfer fee is 4% of the sale price. There is an estate agent’s fee of 2% of the sale price and, additionally, you will need to budget approximately AED 5,000 to 6,000 extra to cover administration and conveyancing fees. The exact amounts to be paid are dictated by the sale price but will all be shown to you in the sales contract prior to you signing.

Will I receive a visa if I buy a property in Dubai?

When purchasing property in Dubai, an investors visa can be obtained. The property being purchased must be above AED 1,000,000 and the visa allows the purchaser to reside in Dubai. You are not able to take employment on this type of visa and it will need to be renewed each year.

Do I have to pay a community fee when owning a property?

All property owners must pay an annual maintenance fee to the community developer in which the property is located. The maintenance fee covers community running costs such as the landscaping, security guards and all facilities’ upkeep in the community. The amount is based on the size of each property and your agent can advise exactly what this amount will be prior to entering into the sale.

What precautions should I take when buying a property in Dubai?

Firstly, work only with credible agencies/companies. Gulf Sotheby’s International Realty is a fully regulated company and represents the global Sotheby’s International Realty® brand in the entire GCC region, including the markets of the UAE, Qatar, Saudi Arabia, Kuwait, Bahrain, and Oman. Our clients range from high net worth individuals to banks and financial institutions, royalty and governments, as well as corporate and commercial clients. Secondly, always ask to see the agent’s RERA broker number – this ensures that the agent you are dealing with is a registered agent and is licensed to practice in the UAE. Thirdly, always ask questions and request anything you have agreed with the agent to be included in the sale contract. And lastly, when handing over any payments, make sure that the transaction happens at the agent’s office and always request receipts and copies of all documents.


If you have any further queries that are not covered in the FAQS, please contact us and we'll be happy to assist you.

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