Buyer Guide

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Buying a home can be both exciting and daunting whether you are a first-time buyer or a seasoned investor. We have culminated a list of factors to consider before you become a homeowner in Dubai.

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It is advised that your monthly housing expenses should not exceed 30% of your salary. When buying a house it is crucial to budget the upfront fees – this can be close to 7-8% of the purchase price. Upfront fees include Dubai Land Department fee, property registration fee, real estate agent fee, property valuation fee amongst others. As an owner, you will not only have to pay for the ongoing maintenance fees but also the annual service fees.

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Perhaps the most important factor to consider when contemplating buying a home is your down-payment. In line with UAE Central Bank Regulations, the minimum deposit required for expats is 25% of the purchase price for properties valued at less than AED 5 million, and 20% for UAE nationals. A personal loan obtained from a local bank cannot be used to finance your down-payment — this must come from your own savings. However, the above-mentioned upfront transaction costs, agent fees and bank fees may be financed using a personal loan.

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Rental Yeild

If you would want to convert your home into an investment property in the long term then it’s important to assess whether the projected rental income will be sufficient to cover your monthly mortgage repayment and maintenance expenses.

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Residence Visa

For properties valued above AED 1 million and below AED 5 million: You may be entitled to a residency visa through home-ownership, subject to meeting certain conditions. You may be eligible for 2 types of visas: 6-month multi-entry or a 2-year residency. For properties valued above AED 5 million: If there is no mortgage attached and the property has been retained for 3 years, you may be entitled to a 5-year residency visa, subject to eligibility conditions. Property owners can also sponsor a visa for their immediate family members.



Things to consider: the size of your family, stage of life and lifestyle. Is the property near schools or childcare facilities? What is the approximate daily commute from the property to your work or children’s school? Is public transport easily accessible? Are restaurants, cafes, cultural attractions or nightlife destinations important to you? Does your chosen community have adequate options?



You must consider the size of your family and plans of expansion in the forseeable future - is the property large enough to meet your needs? Are you looking for a spacious backyard for your children?



Properly assessing floor-plans and layouts is essential to help you understand the square footage, usability and functionality of the square footage available. Are you looking for open-plan living? Seeking spacious living areas or do you prefer larger bedrooms?


Have you considered the age of the property? If investing in the secondary market, does the property require any renovations? If buying off-plan, was the property built by a reputable developer?


Market Condition

Stay up to date with current market trends in your chosen community. Is it the right time to buy? What are current rental yields? These are the main factors to consider in buying a home or property in Dubai. For expert advice on real estate and investment, you may contact our agents to assist you. We can help you make the right choice.

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