Dubai has become a beacon for global investors and expats looking to own real estate in one of the most dynamic and luxurious cities in the world. With its tax-free environment, world-class infrastructure, and high rental yields, many foreigners wonder—can non-residents buy property in Dubai? The answer is yes but with a few caveats and guidelines.
This guide will walk you through everything you need to know about foreign property ownership in Dubai.
Can Foreigners Legally Own Property in Dubai?
Yes, foreigners can buy property in Dubai. The Dubai government passed laws in 2002 allowing foreign nationals to purchase, sell, lease, and rent property in designated areas called freehold zones.
This move opened the doors for international investors, expatriates, and non-residents to legally and fully own real estate in Dubai.
Types of Property Ownership in Dubai
Foreigners typically purchase property under one of the following ownership models:
1. Freehold Ownership
- Grants full ownership rights of the property and the land it sits on
- Can be inherited, sold, or leased without restriction
- Commonly available in designated freehold areas like Downtown Dubai, Dubai Marina, Palm Jumeirah, and Business Bay
2. Leasehold Ownership
- Ownership rights for a fixed period, typically 10 to 99 years
- The land remains owned by the local landlord (usually Emirati nationals)
- Not as common among foreign buyers today due to the popularity of freehold areas
Where Can Foreigners Buy Property in Dubai?
Dubai has clearly demarcated areas where foreigners can legally own property. Some of the most popular freehold zones include:
- Palm Jumeirah
- Downtown Dubai
- Dubai Marina
- Jumeirah Village Circle (JVC)
- Dubai Hills Estate
- Business Bay
- Arabian Ranches
- Jumeirah Lake Towers (JLT)
Each area offers unique amenities, lifestyle options, and property types, from luxury villas and waterfront apartments to high-rise penthouses and townhouses.
Steps to Buying Property in Dubai as a Foreigner
1. Choose the Right Property
Start by selecting a property that fits your investment goals, whether it’s rental income, vacation home, or long-term residence.
2. Work with a Licensed Real Estate Agent
Choose a trusted and registered agency, like Simona Luxury Estate, to guide you through the buying process and legal requirements.
3. Make an Offer & Sign the Agreement
Once your offer is accepted, you’ll sign a Memorandum of Understanding (MOU) and pay a deposit—usually 10% of the purchase price.
4. Obtain a No Objection Certificate (NOC)
The developer must issue an NOC to proceed with the property transfer. This ensures all fees and service charges are paid.
5. Register the Property
The Dubai Land Department (DLD) requires all property transfers to be registered. A transfer fee of 4% is payable at this stage.
Financing Options for Foreign Buyers
Foreigners can apply for mortgages in Dubai, but lenders usually require:
- A valid residence visa or proof of income
- A down payment (typically 20–25% for expats)
- Good credit history and financial documents
Several banks in Dubai offer mortgage solutions tailored to foreign investors, making property ownership more accessible.
Fees and Taxes Involved
While Dubai is known for its tax-friendly environment, some transactional costs still apply:
Dubai Land Department Fee – 4% of the purchase price
Registration Fee – AED 4,000 (for properties above AED 500,000)
Agent Commission – ~2% of the property value
NOC Fee – AED 500–5,000 depending on the developer
Note: There is no annual property tax or capital gains tax in Dubai.
Benefits of Buying Property in Dubai as a Foreigner
- Full ownership rights in freehold areas
- No property or capital gains taxes
- High rental yields and ROI potential
- Visa eligibility for property owners (minimum AED 750,000 investment)
- World-class lifestyle and infrastructure
- Safe and regulated real estate market
Frequently Asked Questions
Do I need to be a UAE resident to buy property in Dubai?
No, residency is not required to buy property. Foreigners and non-residents can legally own property in freehold areas.
Can I get a visa if I buy property in Dubai?
Yes, property owners may qualify for a renewable 2–10 year residence visa depending on the value of the investment.
Is it safe for foreigners to invest in Dubai real estate?
Dubai’s property market is highly regulated by the Real Estate Regulatory Authority (RERA), making it a safe and transparent environment for investors.
Can I rent out my property in Dubai as a foreigner?
Yes, you can rent out your property either as a long-term lease or a short-term holiday home (with a license from Dubai Tourism).
Final Thoughts from Simona Luxury Estate
As someone from the Simona Luxury Estate team, I can confidently say that Dubai offers one of the most attractive property markets in the world—whether you’re looking for a luxury residence, an investment property, or a holiday escape. Our experienced consultants specialize in working with international clients, ensuring every step of your journey is smooth, secure, and profitable.
At Simona Luxury Estate, we don’t just sell homes—we match you with the lifestyle you deserve. Whether it’s a beachfront villa on Palm Jumeirah or a high-rise investment apartment in Downtown Dubai, we’ll help you find the perfect property tailored to your needs.
Ready to start your Dubai property journey?
Reach out to us at Simona Luxury Estate—your gateway to premium real estate in the heart of the UAE.