Yes, foreigners are allowed to buy property in the UAE, specifically within designated freehold zones. These areas include prime locations in Dubai like Downtown, Dubai Marina, Palm Jumeirah, and JVC. Foreign buyers can own the property outright and even pass it on through inheritance. The UAE government has made significant efforts to encourage foreign investment by ensuring property rights are secure and transparent. Ownership is 100%, with the buyer having full legal rights to sell, lease, or occupy the property.

Freehold ownership means the buyer owns both the property and the land it stands on indefinitely. This is the most common form of ownership in designated areas for expats. Leasehold ownership, on the other hand, grants rights to the property for a set number of years (typically 30 to 99), after which the rights revert to the original landowner or developer. Leasehold is often used in community developments and can come with certain restrictions regarding modifications or resale.

Yes, the UAE government offers a 10-year Golden Visa to real estate investors who purchase property worth AED 2 million or more. The property must be ready (not off-plan), and the investment amount must meet or exceed the minimum threshold. Mortgaged properties may also be considered, provided that at least AED 2 million of the property’s value is paid off. The visa allows for long-term residency, sponsor rights for family members, and business operation flexibility in the UAE.

One of the most attractive aspects of investing in UAE real estate is the absence of annual property taxes. However, buyers and sellers should be aware of one-time fees. In Dubai, for example, there’s a 4% transfer fee payable to the Dubai Land Department (DLD), along with admin and registration fees. These fees vary slightly depending on the emirate and whether the property is off-plan or ready. There are also service charges payable annually for maintenance of communal areas and amenities.

Dubai is known for offering some of the highest rental yields in the world, with an average ROI between 5% and 10%, depending on the location and property type. Areas like Jumeirah Village Circle (JVC), Business Bay, and Dubai Marina often yield strong returns due to demand from both residents and tourists. Short-term rentals via platforms like Airbnb can boost returns further, especially in holiday-friendly locations. With no property tax and relatively low transaction fees, the UAE remains a competitive market for income-generating real estate.

Yes, non-residents can apply for a mortgage in the UAE, although the loan-to-value ratio is usually lower than for residents (typically 50–60%). Most major UAE banks offer non-resident mortgages with interest rates starting around 5–6%, subject to credit checks and income verification. Documentation requirements include proof of income, a valid passport, and in some cases, a down payment from an international account. Mortgage terms usually range from 10 to 25 years, and financing is available for both ready and off-plan properties.

Off-plan properties are those purchased before they are built or completed. Buyers typically pay an initial deposit followed by installment payments throughout the construction period, with the final payment due upon handover. These properties often come at a lower price compared to ready properties and offer attractive payment plans. However, buyers should ensure the developer is registered and approved by the Dubai Land Department (or relevant authority) to avoid delays or project cancellations. Off-plan investments are ideal for those willing to wait for capital appreciation.

Service charges are annual fees paid by property owners to the management company or developer to maintain common areas, amenities, and building infrastructure. These charges can include cleaning, security, landscaping, elevator maintenance, and utility bills for shared spaces. Fees are calculated per square foot and vary depending on the building’s facilities and location. For example, luxury towers with pools, gyms, and concierge services may have higher service charges. These costs are typically borne by the property owner, not the tenant.

Deciding whether to buy or rent in Dubai depends on your personal and financial goals. Renting is ideal for those who value flexibility or are staying short-term, while buying can offer long-term financial benefits, especially with rising property values and strong rental yields. Investors often purchase to generate passive income through long-term or holiday rentals. Buyers should also consider associated fees like the 4% DLD charge, service charges, and mortgage commitments when calculating affordability and profitability.

To ensure you’re dealing with a legitimate broker, always check their license through the Real Estate Regulatory Agency (RERA). You can verify agent details and property listings using the Dubai REST app or directly through the Dubai Land Department website. Avoid cash payments and ensure all contracts are RERA-compliant. Working with a reputable agency like Elite Nest ensures transparency, professional guidance, and secure transactions throughout your property journey.