Buying property in Dubai as a foreigner has never been more accessible. With designated freehold areas, streamlined regulations, and a tax-free environment, expats and international investors can own real estate outright. Here’s a step-by-step guide for navigating the Dubai property market in 2025.
Step 1: Understand Ownership Rules
Foreign nationals can purchase freehold properties in designated areas such as:
- Downtown Dubai
- Dubai Marina
- Palm Jumeirah
- Jumeirah Village Circle
- Dubai Hills Estate
Freehold ownership gives you full rights to buy, sell, lease, or pass on the property.
Step 2: Define Your Budget and Goals
Before searching, consider:
- Budget range (including purchase price + fees ~7–8%)
- Purpose (investment, end-use, vacation home)
- Desired location and property type (apartment, villa, townhouse)
Step 3: Get Pre-Approved for Financing (If Needed)
Non-residents can secure mortgage loans from UAE banks:
- Down payment: minimum 20–25%
- Interest: ~4–5% (variable)
- Loan tenure: up to 25 years
Required documents:
- Passport, visa, income proof, credit history
Step 4: Work With a Trusted Agent
Choose a RERA-certified real estate agent for:
- Property recommendations
- Market insights
- Legal guidance
- Negotiation support
Step 5: Sign the Sales Agreement (Form F)
Once you choose a property:
- Sign a Memorandum of Understanding (MoU)
- Pay a 10% deposit to the seller
A real estate agent or conveyancer will handle due diligence and ownership checks.
Step 6: Finalize With the Dubai Land Department (DLD)
To complete the transfer:
- Submit signed documents
- Pay DLD transfer fees (4% of the property value)
- Registration fee (AED 2,000–4,000)
- Get the new title deed issued in your name
Step 7: Optional – Apply for a Residency Visa
If your property is worth AED 750,000 or more:
- You may apply for a 3- to 10-year residency visa
- Learn more about Dubai Golden Visa →
Dubai welcomes foreign buyers with open arms. By following these simple steps, you can confidently purchase property and start building your life or portfolio in one of the world’s fastest-growing cities.
