Dubai has rapidly become one of the world’s leading real estate markets, known for its luxurious lifestyle, cutting-edge infrastructure, and investor-friendly policies. The big question remains: Can foreigners buy property in Dubai? The answer is yes—with complete ownership rights in designated areas known as freehold zones.

Overview of Dubai’s Real Estate Market

Dubai’s real estate sector has seen exponential growth, driven by high demand from both international investors and local buyers. Key factors include:

• High ROI: Especially in luxury residential and commercial properties

• Tax-Free Environment: No property, capital gains, or inheritance taxes

• World-Class Infrastructure: Seamless connectivity, lifestyle amenities, and business hubs

Can Foreign Nationals Own Property in Dubai?

Yes. Since 2002, the UAE has allowed expatriates to own, buy, and sell property in designated freehold zones. These include prime areas like:

• Downtown Dubai

• Palm Jumeirah

• Dubai Marina

• Jumeirah Lakes Towers (JLT)

• Business Bay

In these zones, foreigners have full rights to:

• Buy

• Sell

• Lease

• Pass property to heirs

Freehold vs. Leasehold Ownership

Freehold Properties:

• Full ownership of both property and land

• No renewal required

• Available in specified zones

Leasehold Properties:

• Usage rights for up to 99 years

• Property reverts to original owner after lease expires

Freehold is preferred by investors seeking long-term security and full control.

Step-by-Step Guide to Buying Property in Dubai

1. Find a Property
Use a certified real estate agent to select properties that fit your budget and goals.

2. Sign Memorandum of Understanding (MoU)
Includes purchase price, payment terms, and handover timeline.

3. Pay Deposit
Typically 10% of the purchase price. Non-refundable if the buyer backs out.

4. Obtain a No Objection Certificate (NOC)
Issued by the developer to confirm there are no outstanding service fees.

5. Finalize at Dubai Land Department (DLD)
Transfer ownership and title deed. A 4% DLD transfer fee is applicable.

Financing Options for Foreign Buyers

• Down Payment: 20–25%

• Mortgage Tenure: Up to 25 years

• Documentation: Income proof, credit reports, and employment details

• Tip: Work with a mortgage advisor to secure the best rates

Legal Considerations for Foreign Investors

• Freehold Zones Only: Foreigners cannot buy in non-freehold areas

• Visa Eligibility: Minimum AED 750,000 investment for a 3-year visa

• Inheritance Planning: Foreign owners should register a UAE will to secure property transfer

Advantages of Buying Property in Dubai

• Tax-Free Investment

• High Rental Yields (8–10%)

• Long-Term Residency Options

• Global Business Hub Status

Frequently Asked Questions

Can foreigners get a residency visa through property investment?
Yes, for properties valued over AED 750,000.

Are there taxes on property for foreign buyers?
No, Dubai imposes no property or capital gains tax.

Can expats buy anywhere in Dubai?
Only in government-designated freehold areas.

Is freehold better than leasehold?
Yes, freehold offers full ownership and long-term benefits.

Can non-residents get mortgages?
Yes, but with stricter documentation and higher down payments.