For foreign investors seeking to purchase real estate, Dubai is a highly sought-after location due to its growing real estate market and overall economic growth. It is necessary to follow certain legal requirements and steps when buying property in Dubai. This article will cover the steps and important information that you must consider if you wish to buy a property in the city of Dubai.

Who Can Buy Property in Dubai?

Nationals of the UAE & Middle Eastern countries:

UAE Nationals can have the privilege to buy real estate in full ownership across the UAE. Citizens of Some Middle Eastern countries: Individuals from countries like Saudi Arabia, Oman, Bahrain, Kuwait, and Qatar also have the opportunity to purchase property in Dubai and the rest of the UAE.


Under certain restrictions, foreign nationals can purchase real estate in Dubai and other Emirates of the UAE. In Dubai, properties classified as freeholds are open to foreign ownership. Non-resident foreigners and expatriate residents can purchase unrestricted freehold ownership rights, or leasehold rights for a maximum of 99 years over real estate.

Ownership Types for Owning a Property in Dubai

Dubai offers two primary forms of property ownership:

  1. Freehold ownership:

    This type of ownership allows full proprietorship over land and buildings without any time limitations. It applies to various locations throughout Dubai, including Downtown Dubai, Jumeirah Lakes Towers, Palm Jumeirah, and Business Bay.

  2. Leasehold Ownership:

    Leasehold properties grant temporary usage rights for a defined duration, usually between 99 and 999 years. These properties are available in specific zones, such as Dubai Marina and Discovery Gardens.

Documents Required for Buying a Property in Dubai

To proceed with the purchase of property in Dubai, prospective buyers must prepare the following documents:

  • A Valid Passport
  • Residence Visa proof
  • Purchase and Sale Agreement
  • No Objection Certificate (for leased or properties that are being resold)
  • Power of Attorney (in case where the owner of the property is absent due to any reason)

Step-by-Step Guide to Buying a Property in Dubai

The process of buying a property in the United Arab Emirates (UAE), particularly in Dubai, involves several key steps to ensure a smooth and legally compliant transaction.

  1. Prepare the Buyer/Seller Contract

    Begin by preparing the Buyer/Seller Contract. Once you’ve identified your ideal property, initiate discussions with the seller. Whether considering an upfront payment or exploring mortgage options, it’s crucial to draft a precise contract. This phase doesn’t mandate the involvement of a real estate agent or lawyer, but outlining pricing, payment methods, and terms is essential to avoid future misunderstandings.

  2. Execute the Real Estate Sale Agreement

    Move on to executing the Real Estate Sale Agreement. Download the sale contract (Form F or MOU) from the Dubai Land Department’s official website. Customize the contract to include your terms. Sign it, along with the seller, in front of a witness, preferably at the Registration Trustee’s office. Additionally, pay a 10% security deposit to the Registration Trustee, refundable upon completing the transaction.

  3. Obtain the No Objection Certificate (NOC)

    Proceed to obtain the No Objection Certificate (NOC) from the developer. Engage with the developer to finalize the ownership transfer. If there are no outstanding bills, the developer will issue the certificate.

  4. Transfer Ownership at the Registrar’s Office

    Transfer ownership at the Registrar’s Office. Prepare necessary documents, attend in person, or send an authorized representative. The process involves submitting required documents, a payable cheque, original identification documents, NOC, and the signed Form F contract. Verify the data, pay the fees, and receive a payment receipt. The transfer will be processed on the same day if documents are submitted early. After receiving the approval email, a new title deed will be issued in your name as the new owner.

Securing Your Investment Through Residency

Buying property in Dubai qualifies eligible individuals for residency visas that range from 2 to 10 years, contingent upon the investment amount. By securing a long-term residency permit, you can access numerous benefits, including enhanced mobility and business opportunities within the region.

Mortgages and Financing

If you are opting for a mortgage, familiarize yourself with the lending landscape in Dubai. Banks offer competitive interest rates and flexible repayment plans tailored to suit individual needs. However, keep in mind that banks often demand a minimum down payment of approximately 25%, although some institutions may accept lower deposits.

Managing Absence During Transactions

When the buyer or owner can’t be present, they can authorize an individual through a General Power of Attorney to act on their behalf, enabling them to oversee the process of property purchase on their behalf. 

At JustPOA, you can be assured that the POA is drafted by qualified lawyers who are well-versed in Dubai’s real estate law. It is crucial to always seek professional advice and guidance when facing the complexities of the Dubai real estate market.