With its large skyscrapers, beautiful sand, upscale lifestyle, and individuals from all over the world attempting to achieve great things, Dubai has always had a certain allure. More people are genuinely trying to buy property in Dubai, either to live in or invest in, so it's not just vacations anymore.

The procedure may initially appear a little perplexing to those considering applying for a spot here. But it's really very easy if you know how it operates. Here's a detailed guide on how to buy property in Dubai without getting bogged down in the specifics.

How to Buy Property in Dubai?

1. Learn the Basic Rules

Learning the rules is therefore the first step. In Dubai, it is possible for foreigners to own real estate. However, only in so-called "freehold" areas. In essence, these are designated areas in Dubai where foreigners can purchase and totally own real estate. The most visited locations include Downtown, Palm Jumeirah, JVC, Business Bay, and Dubai Marina.

Another option is "leasehold," which allows you to maintain the property for a maximum of 99 years without actually owning it. It’s not bad, but most people prefer freehold because it’s more flexible.

If you’re not a resident, you can still buy, but you’ll need to make sure the developer or agent is properly registered with the Dubai Land Department (DLD). That’s super important as it ensures credibility, so you must never skip that part.

2. Know the Property Prices in Dubai Before You Jump In

Property prices in Dubai vary a lot depending on area and timing. You can find small apartments for around AED 700,000, as well as others that cost several million dirhams.

For instance, property prices in Dubai’s locations such as Arabian Ranches or Jumeirah Park may vary between AED 1,000 and AED 2,000 per square foot, whereas real estate in upscale areas of Dubai like Marina or Downtown may cost between AED 1,800 and AED 3,000 per square foot.

But here’s the thing that you must never overlook: don’t just look at the price. Look at how much you’ll spend overall:

4% of the price goes to the Dubai Land Department as a fee
2% or so is usually agent commission
Plus maintenance fees and yearly service charges

If you’re planning to take a loan to buy a property in Dubai, banks usually cover 70–80% for UAE residents, and about 50–60% if you’re not living there. Better to get a pre-approval before you start looking for property in Dubai, so you know where you stand.

3. Pick the Right Spot

This is honestly where most people get stuck. Dubai has so many good areas, each with its own vibe. Here’s a quick vibe check for some of the most influential regions for buying property in Dubai:

Downtown Dubai – full of life, high-end, right next to the Burj Khalifa
Dubai Marina – best for people who like modern apartments and a social lifestyle
Palm Jumeirah – perfect if you want that resort feel, by the beach
Business Bay – more professional, close to Downtown but cheaper
JVC – affordable, growing fast, great for rental income

If you’re buying to live, think about traffic, schools, and daily life. If you’re investing, focus on where people actually rent.

4. Find a Real Agent (and Check Their License)

Not all agents are the same. Always ask for an RERA license as this ensures credibility, and that’s how you know they’re registered with the Real Estate Regulatory Agency. You can check it online on the DLD site or through their app.

Good agents will explain everything clearly, help with paperwork, and guide you on property prices in Dubai. Bad ones will just push you to buy fast so don’t rush it.

5. Visit and Compare

Never buy a property in Dubai that you haven’t seen. Photos look great online, but real life is different. Go and visit the property in Dubai. Look at the view, the building condition, parking, and what’s nearby.

If you like it, you can make an offer through your agent. Once the seller agrees, you’ll both sign something called the Memorandum of Understanding (MOU) and pay about 10% as a deposit. That’s normal here.

6. Check All Documents Thoroughly
Before you go further, double-check everything. Request a copy of the title deed. Verify that there are no outstanding invoices or disagreements. Make that the developer is registered and that there is an escrow account if the project is off-plan (still under construction); this is where your money is kept safe.

Although it may sound uninteresting, this is where mistakes are made. When buying property in Dubai, a fast check can prevent major problems down the road.

7. Sort Out Your Money
If you’re using a mortgage, get your bank involved early. Most banks in Dubai are pretty straightforward, but they do need a lot of documents such as passport, income proof, and credit history.

For residents, loans can cover up to 80%. For non-residents, it’s usually around 50–60%. Developers sometimes offer payment plans too, especially for off-plan projects. That can be easier if you don’t want a bank loan right away.

8. Do the Final Transfer
Once documents such as cheques and approvals are read, go to the Dubai Land Department to transfer ownership. Both buyer and seller (or their reps) need to be there to finalise the property in Dubai.

You’ll pay the 4% transfer fee, and the property will be officially registered in your name. After that, you’ll get your new Title Deed, which is your proof of ownership. Congrats, you officially own property in Dubai!

9. Remember the Ongoing Costs
A lot of new buyers forget about this part. Owning property in Dubai means there will be maintenance and service charges every year. Depending on the building, that could be AED 10–30 per square foot per year.

Then you’ve got utilities (DEWA), internet, and other small expenses. If you plan to rent it out, register your lease on Ejari.

10. Think Long-Term
Dubai’s property market keeps changing, but it’s been growing strongly for years. The city keeps adding new projects, metro lines, schools, malls and all of which help property values.

If you plan smartly and choose a good area, your property in Dubai can give you great rental returns or long-term appreciation. There’s no tax on personal income or capital gains, which makes buying property in Dubai attractive for investors.

In a nutshell, buying property in Dubai involves more than just buying a house. You are also investing in a city that is luxurious. Buying property in Dubai can be challenging but Majestic Living can help you finalise properties that are a perfect fit for you. Contact us not to begin!

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