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Why Invest in Real Estate in Dubai

  • Multi-Cultural Community
    • With more than 200 different nationalities, Dubai is a cosmopolitan Emirate that stands for inclusion, diversity, and safety.
  • One of the Safest Cities in the World
    • Time and again, Dubai has been voted as one of the safest cities in the world
  • Tax-Free Rental Income
    • Dubai is free from Income Tax for residents, and no Value Added Tax (VAT) levied on residential property for investors
  • Easy Connectivity
    • You are always connected to everything that matters by direct flights to 97 countries and strategic geo-location.
  • Stable Currency
    • The UAE Dirham has been pegged to the US Dollar since 1973 and set at a constant rate since 1997
  • World-Class Healthcare
    • Dubai has a well-developed healthcare sector, which makes this emirate a perfect place for your well-being
  • Open & Free System
    • Open economic policies, minimal government control, and private sector regulated facilitate Foreign Direct Investments (FDI)
  • Long Term Residency Visa

Types of Properties in Dubai?

Dubai offers a wide choice of properties for buyers looking for luxuries & affordability. It is especially notorious for its abundant dynamic properties. With reasonably-priced options and a booming real estate market. Here are some popular residential properties available for sale in Dubai.



These are the most looked-for residential properties in Dubai. Apartments are available in various configurations, from studios to three-bedroom units. These units have different amenities, such as shared pools and gyms. Some also include CCTV surveillance. The price of an apartment may vary depending on its configuration. The price starts at AED 370,000 for a one-bedroom unit and up to 4 million for larger units.



Duplexes are another form of property often sought out in a large number in Dubai. They spread for two floors bringing a villa experience for those looking for privacy. It is also ideal if you are looking for the convenience of living in a flat but with more security. These properties are available at prices starting from AED 545,000. Duplexes are in:

  • Jumeirah Beach
  • Dubai Marina
  • Dubai Silicon Oasis
  • Business Bay
  • Jumeirah Village Circle
  • Downtown Dubai.



They are usually confused with duplexes or studio apartments. But lofts are somewhat different. In contrast, duplexes feature two entire floors. Lofts tend to have a smaller second floor that overlooks the first floor. It would be best to go to Downtown Dubai, Jumeirah Beach House, and Dubai Marina to buy a loft.


Hotel Apartments:

These are fully-furnished flats where you stay for long- or short-term periods. Hotel apartments offer various amenities, from housekeeping to room service. Dubai is full of hotel apartments, with the most popular being Al Barsha and Barsha Heights. There are also serviced apartments that are most common in Downtown Dubai. This is due to its easy access to major popular attractions in Dubai. You can expect your annual rent for hotel apartments to start at around AED 70,000 in Downtown Dubai.



They are on the top floors of most apartment towers in Dubai. Penthouses are a symbol of sophistication and refined luxury. It features elegant rooms with walk-in closets. En-suite bathrooms complete with tasteful interiors. Burj Khalifa is one of the best buildings to buy a penthouse in Dubai. The starting price for penthouses in Dubai is around AED 3 million. Tenants can pay between AED 170,000 to AED 510,000 to rent a penthouse in a high-rise building.



They are ideal for larger families. Villas are spacious and come with a private garden and attached garages. Villas are also among the most sought out properties in Dubai. They are available in varying bed types from three to seven-bedroom estates. In Dubai, you can find attached, detached, and semi-detached villas. Tenants and buyers looking for a villa in Dubai will find them in two types of developments. Villa communities are more prominent with various amenities. Villa compounds are much smaller. They have about 25 to 50 villas that share facilities for residents. If you want to buy an estate in Dubai, you need to have at least AED 1.7 million. Tenants can expect to pay between AED 150,000 and AED 755,000.



Townhouses are often confused with villas. Townhouses share a common wall with another property. Many attached and detached penthouses are available In Dubai. They range from three to six bedrooms. Townhouses in Dubai often fetch prices starting from AED 1 million. Renting can be about AED 72,000 per month.


Short-term rentals:

They are known as short-stay rentals or vacation rentals. These properties provide rentals for a short period—most occasions on a daily, weekly, or monthly basis. Short-term rentals can be an apartment, villa, or townhouse. You rent them in their entirety and not in individual rooms or units.

Be aware of the below pointers to choose the right policy for you.

  • What car insurance does my car need?
  • What covers should I buy?
  • Do the policy charges fit my budget?
  • Does my chosen insurer maintain good industry standards?
  • What extras is my cover providing than its peers?

Buying Residential Property in Dubai

Freehold designated areas allow foreigners to buy property in Dubai. Suppose you don’t live in Dubai. You can get freehold ownership rights for a property without leaseholds and usufruct rights. Without any restrictions, foreigners can get up to 99 years. Additionally, the number of properties available to foreigners has also gone up.


The emirate’s tax-free status has played a role in attracting foreigners into Dubai. This means that foreign properties are either zero-rated or exempted from tax altogether. Buying property in Dubai makes you eligible for the provision of a residential visa. If you invest at least AED 750,000 in a completed freehold property with a valid title deed. You can get residency in Dubai.


Before buying a residential property in Dubai, hiring a legal advisor familiar with local property laws is advisable to oversee the sale. Suppose you are purchasing property through a Power of Attorney. The document must be notarized in the country where they sign it. The UAE Embassy in that particular country will then legalize it. Once the paper reaches UAE, the Ministry of Foreign Affairs certifies it and translates it to Arabic. According to the Dubai Land Department regulations, the POA should not be two years old. Documents not translated to Arabic will not be valid for real estate transactions.


When purchasing property, you have two options available, off-plan and secondary. Off-plan properties are under construction sold by the developer. People buy them to use later. In contrast, a secondary option is the owner’s resale of an existing property. The buying process for both options is often similar, with few definitive differences.

Buying Commercial Property in Dubai

Under the property law in the UAE, commercial property in Dubai should be under the company’s name. Offshore companies under DMCC or JAFZA can buy freehold properties in Dubai. When buying commercial property in Dubai. You can expect the following pay upfront costs:


  • Property value,
  • Transfer fees of 4% to the Dubai Land Department (DLD),
  • 5% Value added Tax (VAT),
  • Trustee registration fees which are AED 4,000
  • Plus 5% VAT totaling AED 4,200.


There is no distinction between purchasers and tenants on VAT for commercial properties. If you buy commercial property in Dubai and want to change the interior, you need permission. You need to have a Non-Objection Certificate (NOC) from all the relevant stakeholders. This includes the Dubai municipality, landlord, and the building’s manager. If you set up the commercial property in a Free Zone, you must notify the pertinent authorities.


Finally, you need the provisional trading license you received after establishing your company. The permit could be from any of the various Free Zones. The mainland could give a license if you look to develop a commercial business there. The license is also crucial for obtaining your Ejari rights and hooking up utilities.

Residential Property in Sharjah

Before 2014, Sharjah didn’t allow foreign nationals the right to own property. But they had the right to usufruct for 100 years most. This is after registering it with the Sharjah Real Estate Registration Department (SRERD).


There were adjustments of regulations on real estate ownership. Foreigners can now buy property without a residency visa. This means that both GCC and non-GCC nationals can buy property. But, non-GCC citizens are only limited to buying five properties in Sharjah. There are also limitations on where non-Arab ex-pats can buy property.


There is a difference from commercial properties. You can alter your residential property in Sharjah without requesting permission. Suppose you are looking to buy residential property for rental income. You need to register the property and a tenant agreement with SRERD.

How can FinBuddys help

Financing is a critical factor to consider before looking for property in UAE and life cover. At FinBuddys, we aim to help people like you achieve financial freedom and security. The Real Estate team of FinBuddys are domain experts. This means you will find someone who will offer the best guidance.


Despite the type of property you are looking for, expect to spend vast amounts of cash. To that end, you should consider getting a mortgage. FinBuddys could help you secure a mortgage in UAE. It is well established with international and local lenders. Your FinBuddys will be with you through the entire mortgage loan step-by-step process.


We will provide advice and guidance when dealing with a bank, direct or indirect. Also, when selecting the most suitable mortgage plan. Finally, when getting an agreement in principle or a letter that proves acceptance.


Additionally, it is compulsory to have life insurance when you take a mortgage in the UAE. With FinBuddys, you can get the best life insurance coverage. We help you indulge in proper market research and analysis. This is by comparing the best life insurance quotes. Our experts will explain the different types of life insurance in the UAE and their benefits. Finally, FinBuddys will help you find life insurance quotes within your specifications.

FAQ’S Purchasing Properties in Dubai


Freehold property means having access to rent, sell, and inheritance. It is the most sought property type because you also receive land ownership. Non-freehold property is for GCC nationals & locals and is not open to foreign nationals.

If you are a foreigner, there are a few designated zones to buy property. These areas are known as freehold, and they are dedicated to foreigners and expatriate residents. They may acquire freehold rights over property without restriction, usufruct rights, or leasehold rights for up to 99 years. However, there are additional rules even after foreigners and expatriate residents buy the property.

Yes, you can get residency in Dubai by buying property worth at least 750,000 dirhams. Even if several buyers buy a single unit, each member has to stake at least 750,000 dirhams. But the property has to be residential and not commercial. The property has to be where you can get freehold property ownership.

The standard purchasing fee in all DLD Registration Trustees is AED 4,000. This is for transactions over AED 500,000 and AED 2,000 for those below this amount. Fees are payable in cash and paid by the parties as agreed. For secondary market purchases, total costs include

  • a 2% commission fee (for the sales agent or broker)
  • the NOC fee [around AED 5,000 max]
  • a transfer appointment fee [AED 4,000].

Commonhold property is freehold for apartments. You get the right to sell, buy or rent the apartment for the sake of inheritance. But you only own that one unit and don’t get ownership of the land. Usufruct properties refer to a lease for a long-term investment. The occupant does not have the right to change the property in any way. The lease can run from 10 years to 99 years for residential properties. Commercial property lease can run for only 50 years.

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