Can foreigners buy property in the UAE?⌄
Yes. In designated freehold zones, any nationality can own property outright with a title deed, with no residency needed and no limit on how many you buy. Freehold zones include Dubai Marina, Downtown Dubai and Palm Jumeirah, Saadiyat and Yas in Abu Dhabi, and Al Marjan Island in Ras Al Khaimah.
What tax does an overseas buyer pay in the UAE?⌄
No income tax on rent, no capital gains tax and no annual property tax for individuals. The main cost is the transfer fee: 4% in Dubai and 2% in Abu Dhabi, plus agent and registration charges. Owners pay yearly service charges to the building. Your home country may still tax rent.
Dubai, Abu Dhabi or Ras Al Khaimah: where should I buy?⌄
Dubai is the most liquid, with the widest choice and a large off-plan market. Abu Dhabi suits those who want a quieter market and lower transfer fees. Ras Al Khaimah is the resort emirate, with beach and island developments at lower entry prices. Each emirate sets its own freehold areas and fees.
Can a non-resident get a UAE mortgage?⌄
Yes. Banks lend to non-residents, usually at about 50% to 60% loan-to-value, depending on the bank and the property price. Allow for a minimum property value and proof of income and savings. Many developers also offer payment plans, often 60/40 or 70/30 across construction and handover.
Is UAE property a good investment in 2026?⌄
Gross yields are about 5.5% to 8.5% in Dubai and 6% to 8% in Abu Dhabi, and the dirham is pegged to the dollar at 3.6725. Prices rose strongly in 2024 and a large supply of new apartments is coming, which may slow growth. Capital at risk.
Does buying property in the UAE give a Golden Visa?⌄
Yes. A property worth AED 2 million (about USD 545,000) or more qualifies you for a 10-year renewable Golden Visa, covering your spouse and children. There is also a shorter investor visa for lower-value property. Check with the Dubai Land Department how a mortgaged or off-plan purchase is counted before you rely on it.