Dubai allows 100% freehold ownership for non-residents in designated areas, with no annual property tax and no tax on rental income. This guide explains where foreigners can buy, what the transaction really costs, and how purchase value connects to residency.
Foreign nationals can own property outright in Dubai's designated freehold zones, which cover most of the investor market: Dubai Marina, Downtown, Business Bay, Jumeirah Village Circle, Dubai Hills Estate, Palm Jumeirah, Arjan and Mohammed Bin Rashid City among others. Ownership is registered with the Dubai Land Department (DLD) and is not tied to a visa or a local sponsor.
Budget for transaction costs on top of the price: 4% DLD transfer fee, roughly 2% agency commission, a trustee registration fee, and mortgage registration of 0.25% of the loan if financed. As a rule of thumb, allow 6–8% of the purchase price in one-off costs, then annual service charges billed per square foot depending on the building's facilities.
Non-resident mortgages are available from UAE banks, typically up to 50–60% loan-to-value for non-residents and up to 80% for residents buying a first home, subject to income and age criteria. Off-plan purchases follow developer payment plans with funds held in escrow accounts regulated by the DLD.
Property value also drives residency: from AED 750,000 investors can generally qualify for a 2-year investor visa, and from AED 2 million for the 10-year Golden Visa. Thresholds and bank criteria change, so confirm the current rules with a licensed partner before committing.
Indicative market ranges for orientation only. No specific property, project or price is offered on this page.
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Yes. Non-residents can buy freehold property in designated areas without residency, and the whole process can be completed with a power of attorney if you cannot travel.
The UAE levies no personal income tax and no annual property tax, so rental income is not taxed locally. You may still owe tax in your country of residence, so speak to your own tax adviser.
The commonly applied threshold is AED 2 million in property value for a 10-year Golden Visa, with lower thresholds for shorter investor visas. Requirements are set by federal authorities and can change.
Off-plan offers staged payments and developer incentives but no rental income until handover. Ready property produces cash flow immediately and lets you inspect the actual unit and service charges.