Want to buy property in Dubai as a non-resident investor from India, Canada, or the US? This step-by-step guide explains everything you need to know — from legal ownership to costs, mortgages, and the registration process.
Dubai’s real estate market has evolved into one of the most attractive destinations for global property investors. With its tax-free rental income, world-class infrastructure, and visionary urban development, Dubai presents a compelling opportunity for buyers across the world — particularly those from India, Canada, and the US. But for international investors new to the region, the question remains: how exactly do you buy property in Dubai if you’re not a resident?
In this comprehensive guide, we walk you through every step of the process — from understanding ownership rights and selecting the right property to dealing with documentation, financing, legal registration, and managing your investment post-purchase.
Whether you’re looking to generate rental income, diversify your portfolio, or acquire a long-term home base in one of the world’s most dynamic cities, this guide will help you navigate the journey with confidence.
Dubai. UAE
Can Foreigners Own Property in Dubai?
Yes, they absolutely can.
Dubai is one of the few global cities where foreigners can own freehold property outright, even if they don’t live in the country. This has been possible since the government opened designated areas for freehold ownership by non-residents.
As a foreign investor, you can buy, sell, lease, or live in your Dubai property with no restrictions — and without requiring any local partner or company structure.
Popular Freehold Areas for Foreign Buyers:
Some of the most sought-after areas where foreign investors can buy include:
- Downtown Dubai – Home to the Burj Khalifa and Dubai Mall, ideal for luxury buyers.
- Dubai Marina – Popular among expats and short-term renters.
- Business Bay – Central, cosmopolitan, and investor-friendly.
- Dubai Hills Estate – Family-oriented, green, and upmarket.
- Jumeirah Village Circle (JVC) – Affordable entry point with growing demand.
- Palm Jumeirah – Iconic Island living with high capital appreciation potential.
- Dubai Creek Harbour – Waterfront district with strong future growth outlook.
Understanding Off-Plan vs Ready Properties
One of the first decisions you’ll make as a foreign investor is whether to buy a ready-to-move-in property or an off-plan property (under construction or not yet started). Each option offers unique advantages — and considerations.
Off-Plan Properties
Off-plan properties are sold by developers before construction is complete. As a buyer, you often only need to pay a small deposit upfront, followed by staggered payments linked to construction milestones.
Benefits:
- Lower entry prices
- Flexible payment plans (some extend beyond handover)
- Higher appreciation potential in emerging communities
- Direct purchase from trusted developers
Considerations:
- Delays in completion may happen (though Dubai’s top developers are highly reliable)
- No immediate rental income
- Requires careful due diligence on the developer’s track record
Ready Properties
These are completed properties that are move-in or rental ready. You can visit the unit, inspect the finishing, and begin earning rental returns immediately.
Benefits:
- Immediate possession
- Immediate rental income stream
- Certainty of what you’re buying
Considerations:
- Higher upfront payment (usually 100% or mortgage-backed)
- No post-handover payment flexibility
- Higher price per square foot
What Are the Costs Involved in Buying Property in Dubai?
While Dubai offers strong investment potential, it’s important to understand the total costs beyond just the property price.
Here are the typical costs foreign buyers need to budget for:
Type of Fee | Amount |
|---|---|
Dubai Land Department (DLD) Fee | 4% of the property value |
Title Deed Registration Fee | AED 5,000 – AED 10,000 (depending on price) |
Agency/Broker Commission | Typically 2% of the property price (ready properties) |
NOC Fee (for ready properties) | AED 500 to AED 5,000 (varies by developer) |
Mortgage Registration (if any) | 0.25% of loan value + AED 290 admin fee |
Oqood Fee (off-plan) | AED 1,050 (for registering sale with DLD) |
These are one-time costs. One of the major advantages of buying property in Dubai is that there’s no annual property tax, no capital gains tax, and no income tax on rental income — something few countries can offer.
