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How Indians Can Successfully Buy Property in Dubai
10th July 2023  

Dubai has become one of the most sought-after destinations for real estate investment, attracting buyers from all over the world, including India. With its stunning skyline, luxurious lifestyle, and favorable property laws, it's no wonder that many Indians are keen on buying property in Dubai. If you're considering a property purchase in Dubai, here's a comprehensive guide to help you navigate the process.

Why Dubai?

Dubai is more than just a city of skyscrapers and sandy beaches; it's a global business hub with a booming economy and a tax-friendly environment. The government has made it easy for foreigners to buy property, which is a major draw for Indian investors. Plus, Dubai offers a high standard of living, excellent infrastructure, and a diverse expatriate community.

Buying property in Dubai is relatively straightforward, but there are a few legal requirements to keep in mind.

Understanding the Dubai Property Market

Dubai has specific areas where foreigners can buy property, known as freehold zones. These include places like Dubai Marina, Downtown Dubai, and Palm Jumeirah. Knowing where you can buy is the first step.

Visa and Residency

Owning property in Dubai can make you eligible for a residency visa, depending on the property's value. Generally, a property worth at least AED 1 million can qualify you for a residency visa, but there are other factors to consider. This visa allows you to live in Dubai but doesn't permit employment.

Choosing the Right Location

Dubai offers a variety of real estate options, each with its unique charm and benefits.

Dubai's Prime Real Estate Areas

Some popular areas among Indian buyers include Jumeirah Beach Residence (JBR), Dubai Marina, Downtown Dubai, and Arabian Ranches. Each area has its own appeal, with differing amenities, lifestyle, and price ranges.

Factors to Consider

When choosing a location, consider factors like proximity to schools, hospitals, public transportation, and your workplace. Also, think about whether you're buying for personal use or as an investment property.

Budgeting and Financing

Buying property in Dubai involves significant financial planning. Here's what you need to know.

Mortgage Options for Indians

Dubai offers mortgage options for expatriates, including Indians. You can get up to 80% financing for your property, but you'll need to provide a down payment and meet certain criteria. It's wise to consult with a financial advisor to understand the best mortgage plan for you.

Payment Plans and Instalments

Many developers in Dubai offer flexible payment plans and installments. This can be a great way to manage your budget and make the property purchase more affordable.

Working with Real Estate Agents

A trusted real estate agent can make a huge difference in your property-buying experience.

Choosing a Trusted Agent

Ensure your agent is licensed by the Dubai Land Department (DLD). Look for reviews and recommendations from other buyers, and choose someone with experience in the area where you're buying.

What to Expect from an Agent

A good agent will guide you through the entire process, from finding the right property to completing the paperwork. They can also help you negotiate prices and terms, ensuring you get the best deal.

Property Types in Dubai

Dubai offers a range of property types to suit different needs and preferences.


Apartments are a popular choice in Dubai, especially in areas like Dubai Marina and Downtown Dubai. They range from studios to multi-bedroom units and often come with amenities like pools and gyms.


If you're looking for more space and privacy, villas are an excellent choice. They are typically located in gated communities and offer private gardens and swimming pools.


Townhouses offer a mix of apartment and villa living. They are usually part of a community and offer more space than apartments but are more affordable than villas.

The Buying Process

Once you've chosen your property, the buying process involves several steps.

Initial Paperwork

You'll need to sign a Memorandum of Understanding (MOU) with the seller, outlining the terms and conditions of the sale. A down payment is usually required at this stage.

Due Diligence

This step involves verifying the property's ownership and ensuring there are no outstanding liabilities. It's essential to work with a legal expert or real estate agent to ensure everything is in order.

Finalising the Purchase

Once due diligence is complete, you'll need to sign the Sales and Purchase Agreement (SPA). This document formalises the sale, and you'll need to pay the balance of the purchase price.

Additional Costs and Fees

In addition to the property's price, there are other costs to consider.

Registration Fees

You'll need to pay a registration fee to the Dubai Land Department. This fee is typically 4% of the property's purchase price.

Service Charges

If you're buying in a community or an apartment building, there will be service charges for maintenance and other amenities. These fees can vary depending on the property's size and location.

Post-Purchase Considerations

After buying your property, there are a few things to keep in mind.

Property Management

If you're not planning to live in Dubai full-time, you might need property management services. These services can handle everything from tenant management to maintenance and repairs.

Rental Potential

Many Indian buyers purchase property in Dubai as an investment. If you're considering renting out your property, be sure to understand the rental market in your area and any applicable laws.

Common Mistakes to Avoid

When buying property in Dubai, it's easy to make mistakes that can cost you money or delay the process. Some common mistakes to avoid include not doing thorough due diligence, not budgeting for additional costs, and choosing an unreliable agent. Take your time, do your research, and work with trusted professionals.


Buying property in Dubai can be a rewarding investment for Indians, offering a luxurious lifestyle and potential rental income. By understanding the legal requirements, choosing the right location, and working with trusted professionals, you can ensure a smooth and successful property purchase.


Q. How much does a property in Dubai cost?

A. The cost of property in Dubai varies widely depending on the location, type of property, and other factors. Apartments can start from AED 300,000, while villas can range from AED 1 million to several million.

Q. Can Indians get a mortgage in Dubai?

A. Yes, Indians can get a mortgage in Dubai. You'll need to meet specific criteria and provide a down payment. Mortgage options for expatriates typically allow financing up to 80% of the property's value.

Q. What taxes do I need to consider?

A. Dubai is tax-friendly for property owners. However, you will need to pay a registration fee of 4% of the property's purchase price. There are also service charges for maintenance and other amenities.

Q. Can Indians rent out their property in Dubai?

A. Yes, Indians can rent out their property in Dubai. If you plan to rent, consider using a property management service to handle tenant-related tasks.

Q. How do I find a trusted real estate agent in Dubai?

A. Look for licensed agents through the Dubai Land Department. You can also seek recommendations from other buyers or check online reviews. A good agent will guide you through the entire buying process.

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