Helping Expats Buy Dubai Property -Reach us on +971

Can I Stay in Dubai if I Buy a Property?

If you’re considering purchasing property in Dubai, you may be wondering if ownership grants you the right to live in the emirate. The answer is yes – buying real estate in Dubai can provide a path to residency. In this article, we’ll explore the types of visas available for property owners, the requirements and process for obtaining residency, and important considerations before making a purchase.

Can I Stay in Dubai if I Buy a Property?

Types of Visas for Property Owners in Dubai

Dubai offers several visa options for foreign property owners, depending on the value of the real estate purchased:

  1. 6-Month Multiple-Entry Visa: Available for properties valued at a minimum of AED 1 million. This visa allows you to stay in Dubai for up to 6 months at a time.
  2. 3-Year Visa: Granted to owners of properties worth at least AED 1 million. The property must be fully owned (not mortgaged) and can be either residential or commercial.
  3. 5-Year Visa: Offered to buyers of properties valued at AED 5 million or more. The property should be retained for at least 3 years.
  4. 10-Year Visa: Provided to investors purchasing properties worth AED 10 million or above. The investment must be held for a minimum of 3 years.

It’s important to note that these visas do not provide a path to UAE citizenship or permanent residency. They are renewable, subject to the owner continuing to meet the visa requirements.

Requirements for Obtaining Property Visas

To be eligible for a Dubai property visa, you must meet certain criteria:

  • The property must be located within the emirate of Dubai.
  • The minimum property value thresholds mentioned above must be met.
  • The property should be fully owned and not mortgaged (except for the 6-month visa).
  • The purchase must be made as an individual, not through a company.
  • You must have a valid passport and a clean criminal record.

Additionally, you will need to provide the following documents when applying for the visa:

  • Title deed of the property
  • Passport copy
  • Passport-size photographs
  • UAE entry permit
  • Health insurance coverage
  • Proof of sufficient financial means to support yourself in Dubai

The Application Process

Applying for a Dubai property visa involves several steps:

  1. Purchase a qualifying property: Work with a reputable real estate agency or developer to find and buy a property that meets the visa requirements.
  2. Obtain a title deed: After completing the purchase, make sure the property is registered in your name and you have the title deed.
  3. Apply for the visa: Submit your application, along with the required documents, to the Dubai Land Department or an authorized typing center.
  4. Medical fitness test: Undergo a medical examination at a government-approved health center in Dubai.
  5. Emirates ID: Once your visa is approved, apply for an Emirates ID card, which serves as a residency permit.

The processing time for property visas can vary but typically takes around 30 days.

Key Considerations Before Buying Property in Dubai

Before investing in Dubai real estate with the intention of obtaining a visa, there are several factors to keep in mind:

1. Location and Type of Property

Not all properties in Dubai qualify for visas. Focus your search on freehold areas where foreign ownership is permitted, such as Dubai Marina, Palm Jumeirah, Downtown Dubai, and Emirates Hills. Consider the type of property that best suits your needs and budget, whether it’s an apartment, villa, or townhouse.

2. Market Conditions

Dubai’s real estate market can be volatile, with prices fluctuating based on various economic and geopolitical factors. Research current market trends, consult with local experts, and be prepared for potential changes in property values over time.

3. Additional Costs

Buying property in Dubai involves more than just the purchase price. Factor in additional expenses such as:

  • Dubai Land Department transfer fees (4% of the property value)
  • Real estate agency fees (typically 2-5%)
  • Mortgage registration fees (0.25% of the loan amount)
  • Annual property maintenance fees
  • Utility and service charges

4. Rental Yields and Capital Appreciation

If you plan to rent out your Dubai property, research the potential rental yields in the area. Aim for properties with strong rental demand and competitive yields. Also, consider the long-term capital appreciation prospects of the property based on factors like location, amenities, and future development plans in the area.

5. Due Diligence

Before finalizing a purchase, conduct thorough due diligence on the property and the developer. This includes:

  • Checking the property’s legal status and ownership history
  • Reviewing the sales contract and payment terms
  • Assessing the quality of construction and amenities
  • Researching the developer’s track record and financial stability

Working with a reputable real estate agency and legal advisor can help navigate the due diligence process.

6. Visa Renewal and Residency Requirements

Remember that property visas are not permanent and need to be renewed periodically. Stay informed about any changes in visa policies or renewal requirements. Also, keep in mind that holding a property visa does not automatically grant you other residency benefits, such as the right to work or sponsor dependents. Additional visas or permits may be required for those purposes.

Key Takeaways

  • Buying property in Dubai can provide a path to residency through various visa options.
  • The type of visa depends on the value of the property purchased.
  • To be eligible, the property must meet certain requirements, and the buyer must provide necessary documents.
  • The application process involves purchasing a qualifying property, obtaining a title deed, applying for the visa, undergoing a medical test, and obtaining an Emirates ID.
  • Before buying, consider factors such as location, market conditions, additional costs, rental yields, capital appreciation, and due diligence.
  • Property visas are not permanent and need to be renewed periodically.
  • Holding a property visa does not automatically grant other residency benefits like the right to work or sponsor dependents.


Purchasing property in Dubai can indeed open the door to residency in the emirate through various visa options. However, it’s crucial to carefully weigh the benefits and considerations before making a decision. Conduct thorough research, work with trusted professionals, and ensure that the property aligns with your long-term goals and financial capabilities. By understanding the requirements, process, and implications of property ownership in Dubai, you can make an informed choice and potentially enjoy the perks of a second home in this dynamic city.

Frequently Asked Questions

  1. Can I obtain permanent residency in Dubai by buying property?
    No, buying property in Dubai does not grant permanent residency. The visas available for property owners are renewable but not permanent.

  2. Is there a minimum investment required to qualify for a Dubai property visa?
    Yes, the minimum property value required for a visa starts at AED 1 million for a 6-month multiple-entry visa and goes up to AED 10 million for a 10-year visa.

  3. Can I work in Dubai if I have a property visa?
    No, a property visa does not automatically grant you the right to work in Dubai. You would need to obtain a separate work permit or employment visa.

  4. How long does the Dubai property visa application process take?
    The processing time for a Dubai property visa typically takes around 30 days, provided all required documents are submitted.

  5. Are there any age restrictions for obtaining a Dubai property visa?
    No, there are no specific age restrictions for obtaining a property visa in Dubai.

  6. Can I sponsor my family members if I have a Dubai property visa?
    A property visa alone does not allow you to sponsor family members. You would need to obtain a separate visa or permit for sponsoring dependents.

  7. Do I need to live in the property to maintain my Dubai property visa?
    No, you are not required to physically reside in the property to maintain your property visa. However, the property must be retained for a specified period, depending on the type of visa.

  8. How often do I need to renew my Dubai property visa?
    The renewal frequency depends on the type of visa. A 6-month visa needs to be renewed every 6 months, while 3-year, 5-year, and 10-year visas have longer validity periods.

  9. Can I obtain a mortgage to finance my Dubai property purchase?
    Yes, mortgages are available from Dubai banks for property purchases. However, the loan-to-value ratios and eligibility criteria may vary depending on the bank and the buyer’s profile.

  10. Are there any restrictions on renting out my Dubai property if I have a property visa?
    No, there are no specific restrictions on renting out your property if you have a property visa. In fact, many investors buy properties in Dubai for rental income.

  11. How do I choose a reputable real estate agency in Dubai?
    Look for agencies registered with the Real Estate Regulatory Agency (RERA) and check their track record, customer reviews, and industry affiliations. Also, consider referrals from trusted sources.

  12. What are the most popular areas for foreign property investment in Dubai?
    Some of the most sought-after areas for foreign investors include Dubai Marina, Palm Jumeirah, Downtown Dubai, Emirates Hills, and Arabian Ranches.

  13. Are there any annual property taxes in Dubai?
    No, there are no annual property taxes in Dubai. However, there are one-time fees payable during the purchase process and annual maintenance charges for most properties.

  14. Can I apply for a Dubai property visa if I buy an off-plan property?
    Yes, you can apply for a property visa with an off-plan purchase, provided the property meets the minimum value requirements and is located in a freehold area.

  15. What happens to my property visa if I sell my Dubai property?
    If you sell the property linked to your visa, the visa will be canceled. You would need to either buy another qualifying property or obtain a different type of visa to continue residing in Dubai.

  16. Can I obtain a Dubai property visa if I buy a commercial property?
    Yes, commercial properties are eligible for property visas, subject to the same minimum investment thresholds as residential properties.

  17. Are there any health insurance requirements for Dubai property visa holders?
    Yes, property visa holders are required to have valid health insurance coverage in Dubai.

  18. What is the process for renewing my Dubai property visa?
    The renewal process involves submitting an application along with updated documents such as passport copy, title deed, health insurance, and Emirates ID. The specific requirements may vary based on the type of visa.

  19. Can I use my Dubai property as a primary residence while holding a property visa?
    Yes, you can use your Dubai property as your primary residence while holding a property visa. Many investors buy properties in Dubai for personal use as well as investment purposes.

  20. Are there any restrictions on the number of properties I can own in Dubai as a foreign investor?
    No, there are no specific limits on the number of properties a foreign investor can own in Dubai, as long as the purchases are made in designated freehold areas.

Leave a Comment