Buying real estate in the UAE isn’t just about flashy buildings and palm-shaped islands. Whether you’re planning to move here, invest, or simply want a place of your own, it helps to know how things work before diving in. The process is different from what most people are used to — but that doesn’t mean it has to be complicated.
Let’s break it down step by step.
Can Foreigners Own Property Here?
Yes — but only in specific areas. These are called freehold zones, and they’re open to non-UAE nationals. Places like Dubai Marina, Downtown Dubai, Yas Island, and a few others fall under this category. If you’re a foreign buyer, these are the zones where you can legally own property.
Before you get too excited about a listing, check whether it’s in a freehold area. Not all locations are open to international buyers.
First, Figure Out Why You're Buying
This might sound obvious, but too many people skip it. Are you looking for a place to live, or is this purely an investment? Your answer will change everything — from which area you choose to what kind of property makes sense.
If it’s a home, focus on what suits your lifestyle. If it’s an investment, look at rental demand and resale potential. Don’t let trends or influencer posts decide for you.
Budgeting? Think Beyond the Sale Price
You’re not just paying for the apartment or villa. There are extra costs — and they’re not small. Factor in registration fees, agent commissions, legal charges, and possibly mortgage fees. These can add roughly 6% to 8% to your total spend.
Keep a buffer. Unexpected fees always pop up, and you’ll thank yourself later for being prepared.
Location Makes All the Difference
Some buyers fall in love with a property, only to later realize the area doesn’t match their needs. Others overpay because the name of the neighborhood sounds “premium.”
Take your time. Visit the area if you can. Drive around. Ask people who live there. Is it close to your workplace? Are schools nearby? Is there enough rental demand? A location that works for one person might not work for you.
Freehold vs Leasehold – Know the Difference
Not every property here is “yours forever.”
- With freehold, you own the property and the land.
- With leasehold, you’re essentially leasing it from the developer for up to 99 years.
This isn’t just legal fine print — it affects your rights and your future decisions. Make sure you understand which type you’re buying.
A Good Agent Is Worth It
If You’re Taking a Mortgage, Get Pre-Approved Early
Planning to finance the property? Talk to the bank before you start viewing. A pre-approval letter shows how much you can borrow, and it helps set realistic expectations.
It also makes you look serious to sellers — and that can give you an edge in negotiations.
Found the Right Property? Here’s What Happens Next
Once you decide on a unit and agree on the price, you’ll sign something called a Memorandum of Understanding (MOU). This outlines the terms of the deal. You’ll also need to pay a 10% deposit.
Before signing anything, read every clause carefully. If something feels unclear, ask. Don’t rush.
The Final Step: Transfer of Ownership
This is where it all becomes official. You, the seller, and your agent will head to the Dubai Land Department (or the relevant office in another emirate) to complete the title transfer.
You’ll need:
1.Your passport or Emirates ID
2.The MOU
3.Payment proof
4. A No Objection Certificate (NOC), if required
Once everything checks out, your name goes on the title deed — and just like that, you’re a property owner in the UAE.
What's Next? Move In or Rent Out
Now the fun begins. Whether you’re setting up your new home or handing the keys to a tenant, it’s a milestone worth celebrating. If you’re not sure what to do next — like furnishing, registering utilities, or listing it for rent — our team is always here to guide you.
Final Word
Buying property in the UAE isn’t just about location and price — it’s about understanding the process, asking the right questions, and having the right people on your side. Whether you’re buying for personal use or profit, it helps to work with someone who gets the local market inside and out.
If you’re ready to explore your options or still figuring things out, Bhgroup is here to help — without the pressure.
Let’s have a conversation.
It’s tempting to scroll through listings and go solo. But in the UAE, working with a certified real estate agent saves time, effort, and mistakes. They know the paperwork, the market, and which properties are actually worth your attention.
At Bhgroup, we’ve helped clients avoid costly missteps simply by asking the right questions early on.