A tax-free haven, world-class lifestyle, iconic shopping destinations, gourmet dining, pristine beaches, breathtaking desert landscapes, and a rich cultural heritage—Dubai offers an unmatched standard of living and an exceptional investment climate.

Purchasing property in Dubai is not just a step toward financial growth but also a long-term investment in your family’s future. Whether you’re looking to relocate or capitalize on high returns, understanding the key principles of property acquisition is essential.

At Premiation, our expert real estate agents, partners and consultants specialize in the UAE’s luxury market and will guide you every step of the way. Whether you’re searching for your dream residence or a lucrative investment, we provide unparalleled market insights, legal transparency, and a seamless buying experience. Our in-house conveyancing team ensures every transaction is handled with precision, giving you complete confidence and peace of mind.

Key Considerations When Buying Property in Dubai

Choosing the Right Real Estate Advisor

Dubai’s property market operates differently from other global real estate hubs. Working with a trusted, Dubai Real Estate Regulatory Agency (RERA)-registered advisor is crucial. Our team at Premiation possesses deep local expertise, ensuring you secure the best deals while navigating all legal and procedural aspects smoothly.

Legal Framework & Ownership Rights

Since 2002, Dubai has permitted foreign ownership in designated freehold areas, allowing both residents and international investors to purchase property without the need for a visa or residency permit.

Who Can Buy?

Both individuals and corporate entities can own property in Dubai. If purchasing under a company’s name, it must be incorporated in Dubai’s onshore jurisdiction, designated offshore areas, or specific free zones. At Premiation, we provide full company incorporation services, ensuring a hassle-free buying process.

Transaction Timelines

• Resale properties: Typically take 30 days from signing the Sale Agreement to completion.
• Off-plan properties: Transactions are often finalized within a single day, sometimes in as little as 30 minutes.

To streamline your purchase, we can represent you via Power of Attorney, ensuring the deal progresses smoothly while you manage your schedule with ease.

Comprehensive Due Diligence

At Premiation, we prioritize security and transparency. Our due diligence process ensures:

• Verification of legal ownership for resale properties.
• A thorough property inspection before purchase.
• Developer credibility checks for off-plan properties, including Escrow account verification and compliance with Dubai Land Department (DLD) regulations.

Access to Dubai’s Real Estate Register

Dubai’s Real Estate Register contains official property details, including ownership rights and locations. However, access is restricted to registered owners or those authorized by court order.

Understanding the Costs Involved

For Secondary Market Purchases

• Broker’s Commission: 2%–5% + VAT of the property price.
• No Objection Certificate (NOC) Fee: AED 500–10,000 + VAT (developer dependent).
• Registration Trustee Fee: AED 4,000 + VAT (for properties over AED 500,000); AED 2,000 + VAT (for properties under AED 500,000).
• Transfer Fee: 4% of the property purchase price.
• Mortgage Registration Fee (if applicable): 0.25% of the loan amount.
• Title Deed Issuance: AED 580.
• Additional Costs: Service charges and utility deposits may apply.

For Off-Plan Property Purchases

• Booking Deposit: AED 5,000–37,000, credited toward the first installment.
• Installments: 5%–10% of the property value every three months; post-handover plans are often available.
• OQOOD (Interim Title) Registration: 4% of the purchase price + AED 3,000 admin fee.

How Premiation Simplifies Your Property Purchase

Step 1: Understanding Your Needs

Dubai offers a diverse real estate portfolio, and choosing the perfect property requires a strategic approach. Our experts will help you define your priorities, lifestyle preferences, investment goals, and budget, ensuring a tailored property selection.

Step 2: Accessing Exclusive Listings

With access to Dubai’s most prestigious properties, both off-plan and resale, our advisors provide a handpicked selection that meets your exact criteria.

Step 3: Viewing & Evaluation

• Detailed insights on community infrastructure, amenities, and lifestyle benefits.
• Professional property viewings or high-definition photos & videos for remote buyers.
• Quality assurance & inspections by our in-house engineering team for ready-to-move-in properties.

Step 4: Negotiating the Best Terms

Our experts negotiate on your behalf to secure the best price and payment terms. Our in-house legal team drafts or reviews all contractual agreements, ensuring full transparency and protection.

Step 5: Securing Ownership

We handle all legal formalities, from registering your property with Dubai Land Department (DLD) to obtaining your Title Deed or OQOOD (Interim Title for off-plan properties).

Step 6: Exclusive After-Sales Concierge Services

Our commitment doesn’t end with the purchase. We provide:
✔ Utility setup & property management
✔ Interior design & furnishing solutions
✔ Investment consultancy & rental management

Helpful Links

➤ Dubai Rental Calculator
➤ Service Charge Index
➤ Title Deed Verification
➤ Dubai Land Department
➤ Off-Plan Project Status

At Premiation, we believe luxury real estate is not just about properties—it’s about creating extraordinary living experiences and ensuring long-term value for our clients.

Let’s make your dream home or investment a reality. Get in touch today▸

Both Oman and the UAE offer attractive real estate investment opportunities, but each market has unique benefits. Below is a comparison to help investors choose the best destination based on their financial goals.

1. Property Ownership & Residency for Foreign Investors

Verdict: The UAE offers a lower investment threshold for residency, while Oman provides a more exclusive and long-term visa system for high-end investors.

2. Rental Yields & Return on Investment (ROI)

Verdict: The UAE offers higher rental yields and a well-established short-term rental market, making it more attractive for investors focused on rental income.

3. Taxes & Fees on Property Ownership

Verdict: Both UAE and Oman offer tax-free property ownership, but Oman has slightly lower overall fees compared to Dubai and Abu Dhabi.

4. Market Stability & Investment Potential

Verdict: The UAE offers a more mature, liquid, and globally attractive market, while Oman is a promising emerging market with long-term growth potential.

5. Cost of Living & Lifestyle

Verdict: The UAE is ideal for those seeking luxury, business opportunities, and a fast-paced lifestyle, while Oman is better for investors looking for a slower-paced, nature-focused environment.

Final Verdict: Which Market is Best for You?

✔ Choose the UAE if:

• You want high rental yields and a fast-growing, global real estate market.
• You are looking for a secure, liquid investment with strong capital appreciation.
• You prefer short-term rental income (Airbnb) and easy property resale.
• You want a residency visa with a lower investment threshold.

✔ Choose Oman if:

• You are looking for a long-term investment in a growing market.
• You prefer lower overall costs and a tax-free property environment.
• You enjoy a relaxed, coastal lifestyle with a more affordable cost of living.
• You are willing to hold onto the property for longer-term appreciation.

💡 Still unsure? Contact us for personalized advice on finding the perfect real estate investment based on your goals and budget.

Dubai’s real estate market is designed to attract both end-users and investors, offering various financing solutions and high-return investment benefits. Below is a closer look at key aspects that can help maximize your property purchase.

1. Financing Solutions in Detail

Bank Mortgages for Residents & Non-Residents

UAE banks offer a variety of mortgage products catering to different buyer profiles:

• Fixed-Rate Mortgages – Ideal for buyers who want predictable payments, usually locked for 1-5 years.
• Variable-Rate Mortgages – Linked to the EIBOR (Emirates Interbank Offered Rate) and fluctuate over time.
• Hybrid Mortgages – Start with a fixed rate and transition into a variable rate after a few years.

Tip: Some banks offer pre-approval certificates, allowing you to know your budget before house-hunting.

Post-Handover Payment Plans

Several developers offer post-handover payment plans, where buyers can pay a significant portion (up to 50-60%) after receiving the property. This eases financial pressure and increases affordability.

Example: A developer may allow payments spread over 3-5 years post-handover at 0% interest, eliminating the need for traditional bank financing.

Islamic Financing for Sharia-Compliant Buyers

Islamic banks offer Murabaha (cost-plus financing) and Ijara (lease-to-own financing), ensuring transactions remain interest-free in compliance with Islamic law.

Key Benefit: No compound interest; structured repayment options make it attractive for long-term investors.

2. Investment Benefits in Detail

Golden Visa: A Game-Changer for Investors

Buying property worth AED 2M+ qualifies investors for a 10-year UAE Golden Visa, which includes:
Long-term residency for you and your family.
No need for local sponsorship.
100% business ownership rights in the UAE.

Tip: Investors who purchase multiple properties with a total value exceeding AED 2M are also eligible.

High ROI & Strong Capital Appreciation

Dubai ranks among the top cities for rental yields, averaging 6-8% annually in prime areas. Key investment zones include:
Downtown Dubai & Business Bay – Strong capital appreciation and luxury property demand.
Dubai Marina & Palm Jumeirah – High rental yields due to tourism and waterfront lifestyle.
Jumeirah Village Circle (JVC) & Dubai Hills Estate – Budget-friendly options with consistent tenant demand.

Tip: Short-term rentals via platforms like Airbnb can push yields even higher, exceeding 10% in peak seasons.

No Property & Capital Gains Tax: Investor-Friendly Policies

Dubai has no annual property tax and zero capital gains tax, allowing investors to retain 100% of their profits.

Comparison:
🇬🇧 London: 28% capital gains tax for foreign investors.
🇺🇸 New York: Up to 20% federal capital gains tax + additional state taxes.
🇦🇪 Dubai: 0% capital gains tax.

Maximize Your Investment Potential

With smart financing and investment strategies, Dubai’s real estate market offers unmatched opportunities for both homeowners and investors.

💡 Need expert guidance? Our team can assist you in securing the best financing deals and identifying high-growth investment opportunities tailored to your goals.

Oman’s real estate market is growing rapidly, offering diverse property options, attractive financing solutions, and exclusive incentives for foreign investors.

Financing Options for Buyers

Bank Mortgages for Residents & Expats

Omani banks provide mortgage solutions for both locals and expatriates, with the following conditions:

• Loan-to-Value (LTV) Ratio:
  • Omani Nationals: Up to 90% financing.
  • Expats: Typically up to 70% financing.
• Loan Terms: Up to 25 years.
• Interest Rates: Typically range between 4% and 6% per year.
• Minimum Salary Requirement: Most banks require a minimum monthly salary of OMR 500-1,000 for expats.

Developer Financing & Payment Plans

Many developers in Oman offer interest-free installment plans and post-handover payment options, making it easier for investors to acquire property without relying on traditional bank loans.

Islamic Home Financing

Sharia-compliant financing is available through Islamic banks, offering Murabaha (cost-plus financing) and Ijara (lease-to-own) models.

Tip: Some banks allow expats to secure mortgages if they work with a government-approved employer.

Investment Incentives for Property Buyers

Long-Term Residency for Property Investors

Oman offers a 5- to 10-year renewable residency visa to foreign investors who purchase property in designated Integrated Tourism Complexes (ITCs).

The visa extends to immediate family members.
Investors can live, work, and conduct business in Oman.
No minimum stay requirement to maintain the visa.

Freehold Ownership for Foreigners

Foreign nationals can fully own properties in Integrated Tourism Complexes (ITCs) such as:
The Wave (Al Mouj Muscat) – A luxury waterfront development with villas, apartments, and a marina.
Muscat Hills & Jebel Sifah – High-end residences with golf courses and beachfront access.

Tax-Free Property Market

• No capital gains tax on property sales.
• No annual property tax for homeowners.
• No rental income tax for individual landlords.

High Rental Demand & Strong ROI

Oman’s property market is seeing growing demand, particularly in Muscat, Salalah, and Duqm, with rental yields averaging 5-7% annually.

Tip: The government’s vision to attract international investors makes Oman a rising hotspot for real estate buyers seeking stability and long-term gains.

💡 Interested in Oman’s real estate opportunities? Our team can assist you in securing financing and identifying prime investment properties.

Abu Dhabi, the capital of the UAE, offers a thriving real estate market with attractive financing solutions and investment benefits for both residents and international buyers.

Financing Options for Buyers

Bank Mortgages

Abu Dhabi banks provide mortgage options for residents and non-residents, with varying eligibility criteria:

• Loan-to-Value (LTV) Ratio:
  • UAE Residents: Up to 85% financing for first-time buyers of properties below AED 5M.
  • Non-Residents: Typically up to 60% financing.
• Loan Terms: Mortgages available for up to 25 years.
• Interest Rates: Fixed and variable rates, generally ranging from 3% to 5% annually.
• Minimum Salary Requirement: Most banks require a minimum salary of AED 15,000 per month.

Post-Handover Payment Plans

Many Abu Dhabi developers offer post-handover payment plans, allowing buyers to pay a significant portion of the property price after receiving ownership.

Islamic Financing

Islamic banks in Abu Dhabi offer Sharia-compliant home financing, including:

• Ijara (Lease-to-Own Model)
• Murabaha (Cost-Plus Financing)

Tip: Pre-approval from banks can help buyers know their borrowing capacity before committing to a purchase.

Investment Incentives for Property Buyers

Golden Visa for Investors

Property buyers who invest AED 2M+ in real estate can apply for Abu Dhabi’s 10-year Golden Visa, which includes:
Residency for the investor and their family.
No need for a local sponsor.
Multiple-entry benefits and freedom to travel.

Designated Freehold Zones for Foreign Buyers

International investors can purchase freehold property in designated areas, including:
Al Reem Island & Al Raha Beach – High-end apartments and waterfront living.
Saadiyat Island & Yas Island – Luxury villas, cultural attractions, and tourism hubs.

High Rental Yields & ROI

Abu Dhabi offers attractive rental yields, with some areas generating 6-8% annual returns, particularly in:

• Al Reem Island – Popular among expatriates and young professionals.
• Yas Island – Growing demand due to entertainment hubs and tourism.

Tax-Free Real Estate Market

• No property tax on ownership.
• No capital gains tax on resale profits.
• No rental income tax for individual investors.

Tip: Abu Dhabi’s strong economic stability and government-backed infrastructure projects make it an attractive destination for long-term investors.

💡 Need expert advice? Our specialists can guide you through Abu Dhabi’s financing options and investment opportunities tailored to your needs.

When purchasing a ready property in Dubai, it’s essential to factor in the following costs:

Government & Registration Fees

• Dubai Land Department (DLD) Fee – 4% of the property value, payable to register the transaction with the DLD.
• Property Registration Fee – Charged by the DLD based on the property value.
• Title Deed Fee – AED 250 (approximately USD 68).
• Security Deposit – Typically 10% of the property value, refundable upon property transfer.

Mortgage-Related Fees (If Applicable)

• Mortgage Registration Fee – 0.25% of the total loan amount + AED 290 administration fee, payable to the DLD.
• Bank Mortgage Arrangement Fee – Up to 1% of the loan amount, charged by banks for mortgage processing.
• Property Valuation Fee – Required by lenders before approving a mortgage, typically AED 2,500 to AED 3,500.

Professional & Transaction Fees

• Legal Fees – If hiring a lawyer for contract review and legal due diligence, costs range from AED 5,000 to AED 15,000.
• Transfer Fee – AED 5,250 (including VAT), payable to the DLD for property ownership transfer.

Post-Purchase & Ongoing Costs

• Service Charges – Annual maintenance fees paid to the developer or community management, calculated per square foot based on the property type and location.
• Homeowners Association (HOA) Fees – Applicable for certain communities, covering shared amenities and facilities.
• Insurance Fees – Some lenders require property insurance, with costs varying based on the provider and property value.
• Utilities & Deposits –
  • DEWA (Dubai Electricity and Water Authority) Deposit: AED 2,000 to AED 4,000, depending on property size.
  • Chiller Fees: Applicable in some developments where cooling is managed separately.
• Property Management Fees – If you hire a property management company, fees range from 5% to 10% of annual rental income.

Tax Implications & Additional Considerations

• No Annual Property Tax – Unlike many global markets, Dubai does not impose an annual property tax.
• No Capital Gains Tax – Investors benefit from zero capital gains tax when selling property.
• Rental Income Tax – There is no tax on rental income in Dubai; however, if you own property under a company structure, corporate tax regulations may apply.
• Vacant Property Costs – If the property is left vacant, owners must cover service charges, utility standing charges, and potential maintenance costs.

💡 Important Note: Fees may vary based on property type and regulations. We recommend checking the latest costs on the Dubai Land Department (DLD) website before making a purchase.

Dubai offers a range of financing solutions and investment benefits to make property ownership more accessible and rewarding.

Financing Options for Buyers

Bank Mortgages

Both residents and non-residents can obtain mortgages from UAE banks, though eligibility criteria vary.

• Loan-to-Value (LTV) Ratio:
  • UAE Residents: Up to 80% financing for properties below AED 5M.
  • Non-Residents: Typically up to 50-60% financing.
• Loan Terms: Mortgages are available for up to 25 years.
• Interest Rates: Fixed and variable rates are offered, usually ranging from 3% to 5% annually.
• Minimum Salary Requirement: Most banks require a minimum income of AED 15,000 per month for residents and higher for non-residents.

Developer Financing

Some developers offer in-house financing with flexible post-handover payment plans, allowing buyers to pay over several years after property completion. This is a popular option for off-plan projects.

Islamic Home Financing

Sharia-compliant financing options, such as Ijara (leasing) and Murabaha (cost-plus financing), are available for buyers seeking non-interest-based home loans.

Investment Incentives for Property Buyers

Golden Visa Eligibility

• Investors who purchase property worth AED 2 million or more can apply for a 10-year UAE Golden Visa, offering residency benefits for themselves and their family.

No Property Tax & No Capital Gains Tax

• Dubai imposes zero annual property tax and no capital gains tax, making it a highly attractive market for investors.

High Rental Yields

• Dubai offers some of the highest rental returns globally, with yields averaging 6-8% annually, significantly higher than in cities like London or New York.

Off-Plan Discounts & Payment Plans

• Developers provide attractive off-plan discounts and extended payment plans (some post-handover) to ease the financial burden on buyers.

Freehold Ownership for Foreigners

• Non-UAE nationals can own property in designated freehold areas, providing full ownership rights with no restrictions on resale or rental income.

💡 Looking for expert advice? Our real estate specialists can guide you through financing options and investment opportunities to maximize your returns.