Buying Property in Dubai as a Foreigner: Step-by-Step Guide (2025)

Introduction

Dubai is one of the most open real estate markets in the world for foreign investors. Whether you’re looking for rental income, capital growth, or long-term residency, buying property in Dubai as a foreigner in 2025 is straightforward—if you follow the right steps.

Step 1: Understand Freehold vs Leasehold Zones

As a foreigner, you can buy property in freehold areas, which allow full ownership of the property and the land it stands on.

Popular freehold zones include:

• Dubai Marina

• Downtown Dubai

• Business Bay

• Palm Jumeirah

• JVC, Arjan, and Dubai Hills

Leasehold areas, by contrast, offer rights for a fixed period (usually 99 years) but are less common for international buyers.

Step 2: Set Your Budget and Payment Plan

Property prices vary widely depending on location, size, and type (off-plan or ready). As a foreigner, you can:

• Buy with cash

• Get a mortgage (subject to UAE Central Bank rules):

  • 20–25% down payment

  • 3–5% interest rates in 2025

  • Mortgage duration: up to 25 years

Step 3: Choose the Right Property Type

• Apartments (1–2 bedroom units are high in rental demand)

• Villas (ideal for families and long-term residents)

• Off-plan for capital growth, or ready for immediate returns

Use a licensed RERA-certified real estate agent to guide you through options.

Step 4: Reserve the Property

Once you’ve selected a property:

1. Sign a reservation agreement

2. Pay a booking deposit (usually 5%–10%)

3. Complete buyer verification and submit passport copy

Step 5: Sign Sales and Purchase Agreement (SPA)

After due diligence:

• Both parties sign the SPA

• The buyer pays the DLD fee (4%), agency fee (2%), and any developer charges

Step 6: Register with the Dubai Land Department (DLD)

Your property must be registered to issue a title deed in your name. This is handled via the DLD or trustee office and takes 1–2 days.

Step 7: Take Possession

Once all payments are made and documents finalized:

• You receive your title deed

• You can rent, resell, or live in the property

• If the property value is AED 2M+, you can apply for a 10-year Golden Visa

Conclusion

Buying property in Dubai as a foreigner is transparent, fast, and highly profitable in 2025. With no property tax, full ownership rights, and strong returns, Dubai remains a top global destination for international investors looking to diversify and grow their portfolio.