Legal Guide: Can Foreigners Buy Property in UAE?

Introduction
Dubai’s open-door property policy has made it one of the most accessible real estate markets for foreign buyers. But while the process is streamlined, it’s essential to understand the legal framework that governs foreign ownership in the UAE to avoid surprises down the line.

Who Can Buy?

Foreign nationals — including non-residents — are legally allowed to purchase property in designated freehold areas across Dubai. Popular zones include:

• Dubai Marina

• Palm Jumeirah

• Downtown Dubai

• Emirates Hills

• Jumeirah Lake Towers (JLT)

 Freehold vs Leasehold

• Freehold: Full ownership of both the unit and land.

• Leasehold: Long-term lease (30–99 years); common in older developments or government-owned land.

Legal Requirements & Fees

• DLD Registration Fee: 4% of property value

• Oqood Fee (for off-plan): 4% (if applicable)

• Agency Commission: Typically 2%

• NOC (No Objection Certificate): Required from the developer during resale

Financing for Foreign Buyers

Foreigners can apply for mortgages in the UAE through local banks, though eligibility may vary based on nationality, income, and residency status.

• Up to 75% LTV for residents

• Up to 50%–60% LTV for non-residents

• Required documents: Passport, proof of income, bank statements, credit score

Residency Through Investment

• AED 750,000+ investment: Eligible for 2-year renewable residency

• AED 2 million+: Eligible for 10-year Golden Visa (subject to property type & ownership status)

Conclusion
Buying property in Dubai as a foreigner is not only legal — it’s encouraged. With clear laws, transparent procedures, and the option of residency, Dubai remains a secure and attractive market for global investors.