Key Master | Dubai Property Buyer’s Guide

Dubai Property Buyer’s Guide

Whether you’re a first-time buyer or an experienced investor, purchasing property in Dubai is one of the most exciting financial decisions you can make. Here’s a step-by-step guide to help you navigate the process confidently.

✅ 1. Why Buy in Dubai?

100% Foreign Ownership in designated freehold areas
Zero Property Tax on most residential properties
High Rental Yields – average 6-8% per annum
World-class Infrastructure and fast-growing economy
Golden Visa Eligibility with certain investments

🧭 2. Choose the Right Location

Dubai offers diverse neighborhoods to match your lifestyle or investment goals:

Downtown Dubai – Luxury living, Burj Khalifa views
Dubai Marina – Waterfront apartments, vibrant lifestyle
Business Bay – Central hub, great for professionals
JVC / Arjan / Dubai South – Affordable, family-friendly, growing ROI

Need help deciding? [Contact our area specialists ➝]

🏗️ 3. Off-Plan vs Ready Properties

Price

Off-Plan: Lower entry price, making it more affordable upfront.
Ready Property: Slightly higher cost due to immediate availability.

Payment Plan

Off-Plan: Offers flexible payment options spread over time.
Ready Property: Requires a one-time or full upfront payment.

Rental Income

Off-Plan: Rental returns begin only after the project is completed.
Ready Property: Starts generating rental income immediately.

Capital Growth

Off-Plan: Potential for higher growth as the property value increases over time.
Ready Property: More stable and predictable capital growth.

We can guide you to the best option based on your goals.

💼 4. Understand the Costs

Down Payment: Minimum 20-25% (for expats)
Dubai Land Department (DLD) Fees: 4% of property value
Agency Commission: ~2%
Oqood Registration (for off-plan): ~1,000 AED
NOC, Trustee, Mortgage Fees (if applicable)

🏦 5. Financing Options

Cash Buyers – Simple, faster process
Mortgage – Available for residents and non-residents
- Up to 80% LTV (for UAE nationals)
- Up to 75% (for expats)
- Fixed and variable interest rates

We’ll connect you with trusted mortgage advisors.