Buyers Guide

Hundred Homes

Buyer’s Guide to Buying Property in the UAE

Purchasing property in the United Arab Emirates (UAE) represents a significant financial and lifestyle opportunity. The UAE’s robust real estate market, advanced infrastructure, favorable investment policies, and high living standards have established it as a premier destination for homeowners, investors, and expatriates.

Hundred Homes specializes in matching buyers with suitable properties, including apartments in Dubai Marina, family villas in Abu Dhabi, and off-plan investments in Sharjah. This comprehensive buyer’s guide is designed to assist you in navigating each stage of the property acquisition process.

This guide provides essential information for first-time buyers, experienced investors, and individuals seeking to relocate to the Emirates, outlining the key considerations and procedures involved in purchasing property in the UAE.

Why Invest in UAE Real Estate?

Before diving into the process, let’s understand why the UAE property market is such an attractive option.

Strong Return on Investment (ROI):
The UAE offers some of the highest rental yields in the world. For instance, apartments in Dubai can generate yields between 6% to 9%, far surpassing global property markets like London or New York.
Tax-Free Benefits
One of the biggest advantages of owning property in the UAE is its zero property tax policy. Once you purchase a property, you don’t have to worry about annual property taxes eating into your profits.
Residency Visa Options
Buying property above a certain value can qualify you for a UAE residency visa, which opens doors to living, working, and investing in the Emirates long term.
High-Quality Lifestyle
From state-of-the-art healthcare to luxury shopping malls, schools, and cultural diversity, the UAE offers a lifestyle that few countries can match.
Growing Market & Global Recognition
With mega-projects, futuristic city planning, and Expo 2020 legacy developments, the UAE real estate market is continuously expanding, attracting buyers from across the globe.Explore properties for sale in the UAE.

Step-by-Step Guide to Buying Property in the UAE

Buying property in the UAE is a structured process but requires careful planning. Here’s a step-by-step breakdown:

Step 1: Define Your Goals

Before you begin, clarify your purpose:

Are you buying a property for personal use or as an investment?
Do you prefer a ready property or an off-plan project (under construction)?
What’s your budget, and are you planning to finance with a mortgage?

Clear goals help you filter properties quickly and make the process more efficient.

Step 2: Choose the Right Location

The UAE has seven emirates, each offering unique real estate opportunities.

Dubai: High-rise apartments, luxury villas, waterfront communities (Dubai Marina, Downtown Dubai, Palm Jumeirah).
Abu Dhabi: More affordable villas and family-friendly neighborhoods (Saadiyat Island, Yas Island).
Sharjah: Budget-friendly apartments and cultural living.
Ajman, Fujairah, Ras Al Khaimah, Umm Al Quwain – Affordable properties with potential long-term growth.

Step 3: Select the Type of Property

Buyers in the UAE can choose from a variety of property types:

Apartments: Ideal for singles, couples, and investors looking for rental income.
Townhouses: Great for small families, usually located in gated communities.
Villas: Perfect for families seeking space, privacy, and luxury.
Off-Plan Projects: Attractive for investors due to flexible payment plans.Browse more off plan properties in UAE.

Step 4: Check Freehold vs Leasehold Areas

Foreigners can only buy property in designated freehold areas. For example, Dubai offers freehold ownership in locations like Downtown, Palm Jumeirah, Business Bay, and Dubai Hills. In Abu Dhabi, expats can buy in areas like Yas Island and Saadiyat Island.

Read this piece of content to explore more step by step how to buy a property in Dubai as foreigner

Step 5: Work with a Trusted Real Estate Partner

Navigating the property market without guidance can be overwhelming.This is where Hundred Homes comes in. We ensure that you find the right property at the right price and guide you through legal, financial, and documentation processes.

Step 6: Arrange Financing

UAE banks typically finance up to 75–80% of the property value for expatriates. If you need a mortgage, you’ll have to:

Be at least 21 years old.
Have a stable income.
Provide bank statements and proof of employment.

Step 7: Make an Offer & Sign the Agreement

Once you finalize the property:

A Memorandum of Understanding (MoU) is signed.
You pay a deposit (usually 10%).
The agreement outlines the sale terms, payment structure, and transfer date.

Step 8: Property Valuation & Due Diligence

The property will be evaluated by the bank (if under mortgage), and checks are done to ensure there are no outstanding debts or legal issues.

Step 9: Ownership Transfer

The final step involves meeting at the Dubai Land Department (DLD) or the respective emirate’s land authority to transfer ownership. A title deed is issued in your name, making you the legal owner.

Legal & Regulatory Aspects of Buying Property in the UAE?

It’s important to understand the legal framework to avoid surprises.

Title Deed: Proof of ownership issued by the Land Department.
NOC (No Objection Certificate): Required from the developer to ensure no outstanding service charges.
Service Charges: Annual fees for maintenance of the building or community, paid to the developer.
Registration Fees: Generally 4% of the property price in Dubai (varies across emirates).

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Costs Involved in Buying Property?

Apart from the purchase price, buyers must budget for additional costs:

Property Registration Fee: 4% of the property value.
Trustee Office Fees: AED 4,000 to AED 5,000.
Mortgage Registration Fee: 0.25% of the loan amount.
Brokerage Commission: Usually 2% of the purchase price.
Service Charges: Vary depending on property type and location.

Tips for First-Time Buyers

Set a Realistic Budget: Don’t just focus on the purchase price; factor in hidden costs.
Visit the Property: Pictures may not reveal everything.
Check Developer Reputation: Especially for off-plan projects.
Understand Community Fees: Villas and apartments in premium areas often have higher annual charges.
Consider Resale Value: Properties in popular areas offer better long-term returns.

Popular Areas to Buy Property in the UAE?

Dubai

Downtown Dubai: Luxury apartments near Burj Khalifa.
Palm Jumeirah: Iconic waterfront villas.
Dubai Marina: High-rise living with sea views.
Jumeirah Village Circle (JVC): Affordable options for families. Explore more

Abu Dhabi

Saadiyat Island: Cultural hub with luxury villas.
Yas Island: Family-friendly with leisure attractions.

Sharjah

Al Khan & Al Nahda: Affordable apartments with easy access to Dubai.

Buying Off-Plan vs Ready Properties

Off-Plan Properties

Lower entry price
Flexible payment plans
Higher risk (delays, developer reputation)

Ready Properties

Immediate move-in or rental income
Established communities
Higher upfront costs

Why Choose Hundred Homes?

At Hundred Homes, we’re more than just real estate agents—we’re your partners in making informed property decisions.

Wide Portfolio: Apartments, villas, and luxury properties across all emirates.
Expert Guidance: From legal paperwork to financial planning.
Transparency: No hidden charges, no false promises.
Tailored Solutions: We match you with properties that suit your lifestyle and budget.

Final Thoughts :

Buying property in the UAE can seem overwhelming at first time, but with the right guidance, it becomes a smooth and rewarding journey. Whether you’re looking for a dream home or a lucrative investment, Hundred Homes is here to help you at every step.

The UAE market continues to thrive, and there’s never been a better time to invest. So, if you’re ready to start your property journey, explore our listings, or get in touch with our expert team today.

Choosing the Right Option

FAQs

Should I buy Off Plan or ready property?

Off Plan properties often come with flexible payment plans and strong long-term ROI, making them an excellent investment choice. Ready properties, on the other hand, are perfect for immediate use or generating rental income. We can help you weigh the pros and cons of each option to suit your needs.

What is the difference between freehold and leasehold ownership?

Freehold ownership means you own the property and the land it’s built on outright. Leasehold ownership allows you to lease the property from the landowner for a set period, typically up to 99 years.

How long does the property buying process in Dubai take?

The process typically takes 30 to 60 days, depending on factors like financing, the property type, and the parties involved.

Can I finance the property?

Yes, financing is available. With pre-approval from your bank, we can help you secure the best mortgage rates and guide you through the process.

Are there any costs to consider?

4% Dubai Land Department transfer fee.
2% agent fee + VAT for ready properties.
Mortgage registration fee (0.25% of the total loan amount).

What documentation do I need?

UAE residents: Passport, Emirates ID, and visa.
Non-residents: Just a passport.

What if the property I want to buy is rented?

If the property is rented, the tenant’s rights are protected under Dubai’s rental laws. As the new owner, you’ll need to honor the existing tenancy contract until it expires.