FAQ
Making informed decisions starts with having the right information. We’ve answered the questions we receive most frequently about investing, buying, renting, and owning property in Dubai and Oman. If you need personalised advice, don’t hesitate to get in touch.
Buying Property
Find answers to the most common questions about buying property in Dubai and Abu Dhabi as a foreign buyer.
Yes. Foreign buyers can purchase freehold property in designated areas in Dubai. These include many of the city's most popular residential and investment areas. You do not need to be a UAE resident to own property in Dubai.
Yes. Foreign nationals can purchase property in designated developments in Oman, particularly licensed Integrated Tourism Complexes (ITCs). These developments allow non-Omani buyers to own property for residential or investment purposes. The rules differ from the UAE, so it is important to check whether a specific project is eligible for foreign ownership.
The process depends on whether you are buying an off-plan or ready property. Generally, it starts with selecting a property and agreeing on the terms. You then sign the relevant purchase agreement, make the required payments and register the transaction with the Dubai Land Department (DLD). For ready properties, the ownership is transferred and a title deed is issued. For off-plan properties, the purchase is initially registered through the relevant DLD system.
It depends on the type of property and how you are financing the purchase. A straightforward cash purchase of a ready property can often be completed relatively quickly once all documents and approvals are in place. Mortgage purchases usually take longer because of bank valuation, approval and financing procedures. Off-plan purchases follow a different process based on the developer and payment plan.
For most individual buyers, a valid passport is the main identification document required. UAE residents may also need to provide their Emirates ID. Depending on the transaction, additional documents may be required, particularly when using a mortgage, purchasing through a company or appointing someone through a Power of Attorney.
Yes. It is possible to purchase property in Dubai while living abroad. Many parts of an off-plan transaction can be handled remotely. For transactions requiring representation, a properly authorised Power of Attorney can also be used. We can guide you through the process and explain which documents are required for your specific purchase.
The Dubai Land Department, commonly referred to as DLD, is the government authority responsible for regulating and registering real estate transactions in Dubai. It maintains the official property register and oversees areas including property ownership, transaction registration and real estate regulation.
Investment & Finance
Explore common questions about property investment, financing options, mortgages, and returns in the UAE.
Yes. Both UAE residents and non-residents may be able to obtain a mortgage in Dubai, although the requirements and available financing differ between banks and depend on factors such as residency status, income, age and the property itself.
This depends on the property, your residency status and whether you are paying cash or using a mortgage. Under UAE Central Bank rules, expatriates buying their first owner-occupied property below AED 5 million can generally finance up to 80% of the property's value, meaning at least 20% must come from the buyer. Different limits apply to higher-value properties, investment properties and subsequent purchases. Off-plan developers have their own payment plans.
In addition to the purchase price, buyers should budget for registration and administrative costs. The DLD registration fee for a property sale is 4% of the transaction value, alongside applicable trustee, title deed and other administrative fees. Mortgage buyers may also have bank, valuation and mortgage registration costs. Service charges should also be considered when calculating the ongoing cost of ownership.
Dubai does not have an annual property tax comparable to those charged in many European countries. The UAE also does not levy personal income tax on individuals. However, there are transaction costs when purchasing property and owners generally pay annual service charges for the maintenance and management of their building or community.
Rental yields vary significantly depending on the location, property type, purchase price, service charges and rental strategy. Rather than relying on a general Dubai-wide percentage, we calculate the expected rental income and costs for individual properties so you can compare opportunities based on realistic numbers.
Payments should always be made through the appropriate official channels and to verified parties. For off-plan properties in Dubai, buyer payments are generally made into the project's designated escrow account. We help our clients verify payment details and understand where and when funds need to be transferred.
Dubai has a regulated real estate system overseen by the Dubai Land Department and the Real Estate Regulatory Agency. Off-plan projects must meet regulatory requirements, and payments collected from buyers for qualifying off-plan projects are deposited into project-specific escrow accounts. Buyers should still carry out proper due diligence before investing.
Off-Plan vs Ready
Understand the key differences between off-plan and ready properties, including benefits, risks, and buying considerations.
An off-plan property is a property purchased before construction has been completed. Depending on the project, you may buy at launch, during construction or shortly before handover.
Off-plan properties can offer attractive launch prices, flexible payment plans and the opportunity to buy into a project at an early stage. However, buyers should also consider construction timelines, market movements, developer quality and the fact that the property cannot usually generate rental income until it is completed.
Payment plans vary by developer and project. Typically, you pay an initial amount when reserving the property, followed by instalments during construction. The remaining balance may be payable at handover or, in some projects, through a post-handover payment plan.
Dubai has regulations specifically designed for the off-plan market. Developers selling off-plan properties must comply with DLD requirements, and projects use designated escrow accounts for buyer payments. However, no investment is completely risk-free, which is why the developer, project registration, location, payment plan and contract should all be reviewed before purchasing.
Often, yes. This is generally referred to as an assignment or resale. However, the developer's rules apply and you may first need to have paid a certain percentage of the purchase price and obtain a No Objection Certificate. The exact requirements vary by project and developer.
Construction delays can occur. Your Sale and Purchase Agreement should set out the contractual completion date, any permitted extension period and the rights and obligations of both parties. The options available to you therefore depend on the contract, the status of the project and the applicable regulations.
Ready Property
Find answers to common questions about ready properties, including viewing, purchasing, financing, handover, and moving into your new home.
A ready property is a completed property that is available for transfer to a new owner. Depending on the property, it may be vacant, owner-occupied or already rented to a tenant.
A major advantage is that you can inspect the actual property before purchasing and, if it is vacant, potentially move in or rent it out soon after transfer. Ready properties can also provide clearer information about current rents and service charges. On the other hand, payment is usually required over a shorter period compared with many off-plan payment plans.
Yes, and we strongly recommend doing so whenever possible. An inspection gives you a better understanding of the property's condition, layout, view and finishing. For certain properties, a professional snagging or technical inspection can also be arranged.
Generally, yes, once ownership has been transferred and the necessary rental requirements have been met. If the property already has a tenant, the existing tenancy agreement and the rights and obligations attached to it need to be taken into account.
Rental & Property Management
Learn about renting, rental yields, tenant management, and professional property management in the UAE.
Yes. Many buyers in Dubai purchase property specifically to generate rental income. Depending on the property and applicable regulations, you can consider long-term or short-term rental.
Long-term rental generally involves leasing the property to a tenant for an extended period, commonly under an annual tenancy agreement. Short-term rental is more flexible and typically involves stays of days, weeks or months. Short-term rentals require the appropriate holiday-home licensing and management.
Yes. Noard can assist property owners with the ongoing management of their property after purchase.
Yes. Our property management service is particularly useful for international owners who do not live in the UAE. We can act as your local point of contact and help take care of the day-to-day management of the property.
The exact service depends on your property and requirements. It can include tenant communication, rental coordination, inspections, maintenance coordination and general assistance with the property. We can tailor the service depending on whether the property is used for long-term or short-term rental.
Legal & Visa
Find answers about property ownership laws, legal requirements, residency visas, and regulations for foreign buyers.
Property ownership can make you eligible for certain UAE residence visa options, provided you meet the applicable requirements. Eligibility depends on factors including the value and status of the property and the specific visa category.
Real estate investors may qualify for the UAE Golden Residency when they own one or more eligible properties with a total value of at least AED 2 million, subject to the applicable requirements at the time of application. Certain qualifying mortgaged and approved off-plan properties may also be eligible.
No. You do not need to live in the UAE or hold a UAE residence visa to purchase property in Dubai's designated freehold areas.
Not necessarily. It is possible for international buyers to purchase property without already having a UAE bank account. However, having a local account can make certain payments and ongoing property expenses easier. The exact requirements depend on the transaction and payment method.
Yes. We can guide you through the process and connect you with the appropriate specialists for visa and banking assistance. Requirements vary depending on your personal situation, so we look at this on a case-by-case basis.
NOARD Real Estate
Learn more about NOARD Real Estate, our services, expertise, and how we support clients throughout their property journey.
We believe buying property should start with understanding the investment, not simply selling a unit. We look at the location, developer, project, numbers and your personal goals before recommending a property. Our approach is straightforward: clear communication, realistic expectations and advice that continues beyond the purchase.
No. We assist clients with real estate opportunities across Dubai, Abu Dhabi and Oman. This allows us to compare different markets and opportunities rather than limiting our advice to one city.
We have access to a broad range of developers and projects, but that does not mean we recommend every project. We look at factors such as the developer's track record, location, pricing, payment plan and overall investment case before recommending an opportunity to a client.
Yes. Each market has different characteristics, price points and opportunities. We first look at your budget, objectives, preferred investment horizon and whether your priority is rental income, capital appreciation, personal use or a combination of these. From there, we can compare the markets and properties that fit your situation.
Yes. Our involvement does not have to end when the property is transferred or the Sale and Purchase Agreement is signed. We can continue to assist with matters such as handover, snagging, furnishing, rental and property management, depending on what you need.
We start with a conversation about what you are looking for. We discuss your budget, goals, preferred market, investment horizon and whether the property is for investment or personal use. Based on that, we select and compare relevant opportunities. The goal is not to show you as many properties as possible, but to help you make a well-informed decision.
Buying Property
Yes, foreigners can obtain a mortgage in Dubai. Many local and international banks offer home financing options to non-residents, subject to eligibility criteria such as income, credit history, and down payment requirements.
The process typically involves selecting a property, signing a Memorandum of Understanding (MOU), paying a deposit, obtaining a No Objection Certificate (NOC) from the developer, and completing the ownership transfer through the Dubai Land Department.
Dubai does not impose annual property taxes. However, buyers are required to pay a one-time transfer fee (usually 4%) to the Dubai Land Department, along with administrative and registration charges.
You can rent out your property either independently or through a real estate agency. It is recommended to register the tenancy contract with Ejari, ensuring legal protection for both landlord and tenant.
The Dubai Land Department (DLD) is the government authority responsible for regulating and registering all real estate transactions in Dubai. It ensures transparency, protects investor rights, and oversees property ownership records.
Yes, property transactions in Dubai are highly regulated. Payments are typically made through secure channels such as escrow accounts or manager’s cheques, ensuring transparency and protection for both buyers and sellers.
Off-plan properties are purchased directly from developers before completion and often come with flexible payment plans. Ready properties are fully constructed and available for immediate occupancy or rental income. The choice depends on your investment goals and timeline.
Investment & Finance
Yes, foreigners can obtain a mortgage in Dubai. Many local and international banks offer home financing options to non-residents, subject to eligibility criteria such as income, credit history, and down payment requirements.
Yes, foreigners can obtain a mortgage in Dubai. Many local and international banks offer home financing options to non-residents, subject to eligibility criteria such as income, credit history, and down payment requirements.
Yes, foreigners can obtain a mortgage in Dubai. Many local and international banks offer home financing options to non-residents, subject to eligibility criteria such as income, credit history, and down payment requirements.
Yes, foreigners can obtain a mortgage in Dubai. Many local and international banks offer home financing options to non-residents, subject to eligibility criteria such as income, credit history, and down payment requirements.
Yes, foreigners can obtain a mortgage in Dubai. Many local and international banks offer home financing options to non-residents, subject to eligibility criteria such as income, credit history, and down payment requirements.
Yes, foreigners can obtain a mortgage in Dubai. Many local and international banks offer home financing options to non-residents, subject to eligibility criteria such as income, credit history, and down payment requirements.
Off-Plan vs Ready
Yes, foreigners can obtain a mortgage in Dubai. Many local and international banks offer home financing options to non-residents, subject to eligibility criteria such as income, credit history, and down payment requirements.
The process typically involves selecting a property, signing a Memorandum of Understanding (MOU), paying a deposit, obtaining a No Objection Certificate (NOC) from the developer, and completing the ownership transfer through the Dubai Land Department.
The process typically involves selecting a property, signing a Memorandum of Understanding (MOU), paying a deposit, obtaining a No Objection Certificate (NOC) from the developer, and completing the ownership transfer through the Dubai Land Department.
The process typically involves selecting a property, signing a Memorandum of Understanding (MOU), paying a deposit, obtaining a No Objection Certificate (NOC) from the developer, and completing the ownership transfer through the Dubai Land Department.
Rental & Property Management
Yes, foreigners can obtain a mortgage in Dubai. Many local and international banks offer home financing options to non-residents, subject to eligibility criteria such as income, credit history, and down payment requirements.
The process typically involves selecting a property, signing a Memorandum of Understanding (MOU), paying a deposit, obtaining a No Objection Certificate (NOC) from the developer, and completing the ownership transfer through the Dubai Land Department.
The process typically involves selecting a property, signing a Memorandum of Understanding (MOU), paying a deposit, obtaining a No Objection Certificate (NOC) from the developer, and completing the ownership transfer through the Dubai Land Department.
The process typically involves selecting a property, signing a Memorandum of Understanding (MOU), paying a deposit, obtaining a No Objection Certificate (NOC) from the developer, and completing the ownership transfer through the Dubai Land Department.
Legal & Visa
Yes, foreigners can obtain a mortgage in Dubai. Many local and international banks offer home financing options to non-residents, subject to eligibility criteria such as income, credit history, and down payment requirements.
The process typically involves selecting a property, signing a Memorandum of Understanding (MOU), paying a deposit, obtaining a No Objection Certificate (NOC) from the developer, and completing the ownership transfer through the Dubai Land Department.
The process typically involves selecting a property, signing a Memorandum of Understanding (MOU), paying a deposit, obtaining a No Objection Certificate (NOC) from the developer, and completing the ownership transfer through the Dubai Land Department.
The process typically involves selecting a property, signing a Memorandum of Understanding (MOU), paying a deposit, obtaining a No Objection Certificate (NOC) from the developer, and completing the ownership transfer through the Dubai Land Department.
The process typically involves selecting a property, signing a Memorandum of Understanding (MOU), paying a deposit, obtaining a No Objection Certificate (NOC) from the developer, and completing the ownership transfer through the Dubai Land Department.
Noard Real Estate
Yes, foreigners can obtain a mortgage in Dubai. Many local and international banks offer home financing options to non-residents, subject to eligibility criteria such as income, credit history, and down payment requirements.
The process typically involves selecting a property, signing a Memorandum of Understanding (MOU), paying a deposit, obtaining a No Objection Certificate (NOC) from the developer, and completing the ownership transfer through the Dubai Land Department.
The process typically involves selecting a property, signing a Memorandum of Understanding (MOU), paying a deposit, obtaining a No Objection Certificate (NOC) from the developer, and completing the ownership transfer through the Dubai Land Department.
The process typically involves selecting a property, signing a Memorandum of Understanding (MOU), paying a deposit, obtaining a No Objection Certificate (NOC) from the developer, and completing the ownership transfer through the Dubai Land Department.
The process typically involves selecting a property, signing a Memorandum of Understanding (MOU), paying a deposit, obtaining a No Objection Certificate (NOC) from the developer, and completing the ownership transfer through the Dubai Land Department.
EXPERT ASSISTANCE
Frequently asked questions your property journey
Still have a question?
Our experts are here to guide you through every step.
Buying Property
Yes, foreigners can obtain a mortgage in Dubai. Many local and international banks offer home financing options to non-residents, subject to eligibility criteria such as income, credit history, and down payment requirements.
The process typically involves selecting a property, signing a Memorandum of Understanding (MOU), paying a deposit, obtaining a No Objection Certificate (NOC) from the developer, and completing the ownership transfer through the Dubai Land Department.
Dubai does not impose annual property taxes. However, buyers are required to pay a one-time transfer fee (usually 4%) to the Dubai Land Department, along with administrative and registration charges.
You can rent out your property either independently or through a real estate agency. It is recommended to register the tenancy contract with Ejari, ensuring legal protection for both landlord and tenant.
The Dubai Land Department (DLD) is the government authority responsible for regulating and registering all real estate transactions in Dubai. It ensures transparency, protects investor rights, and oversees property ownership records.
Yes, property transactions in Dubai are highly regulated. Payments are typically made through secure channels such as escrow accounts or manager’s cheques, ensuring transparency and protection for both buyers and sellers.
Off-plan properties are purchased directly from developers before completion and often come with flexible payment plans. Ready properties are fully constructed and available for immediate occupancy or rental income. The choice depends on your investment goals and timeline.
Investment & Finance
Yes, foreigners can obtain a mortgage in Dubai. Many local and international banks offer home financing options to non-residents, subject to eligibility criteria such as income, credit history, and down payment requirements.
Yes, foreigners can obtain a mortgage in Dubai. Many local and international banks offer home financing options to non-residents, subject to eligibility criteria such as income, credit history, and down payment requirements.
Yes, foreigners can obtain a mortgage in Dubai. Many local and international banks offer home financing options to non-residents, subject to eligibility criteria such as income, credit history, and down payment requirements.
Yes, foreigners can obtain a mortgage in Dubai. Many local and international banks offer home financing options to non-residents, subject to eligibility criteria such as income, credit history, and down payment requirements.
Yes, foreigners can obtain a mortgage in Dubai. Many local and international banks offer home financing options to non-residents, subject to eligibility criteria such as income, credit history, and down payment requirements.
Yes, foreigners can obtain a mortgage in Dubai. Many local and international banks offer home financing options to non-residents, subject to eligibility criteria such as income, credit history, and down payment requirements.
Off-Plan vs Ready
Yes, foreigners can obtain a mortgage in Dubai. Many local and international banks offer home financing options to non-residents, subject to eligibility criteria such as income, credit history, and down payment requirements.
The process typically involves selecting a property, signing a Memorandum of Understanding (MOU), paying a deposit, obtaining a No Objection Certificate (NOC) from the developer, and completing the ownership transfer through the Dubai Land Department.
The process typically involves selecting a property, signing a Memorandum of Understanding (MOU), paying a deposit, obtaining a No Objection Certificate (NOC) from the developer, and completing the ownership transfer through the Dubai Land Department.
The process typically involves selecting a property, signing a Memorandum of Understanding (MOU), paying a deposit, obtaining a No Objection Certificate (NOC) from the developer, and completing the ownership transfer through the Dubai Land Department.
Rental & Property Management
Yes, foreigners can obtain a mortgage in Dubai. Many local and international banks offer home financing options to non-residents, subject to eligibility criteria such as income, credit history, and down payment requirements.
The process typically involves selecting a property, signing a Memorandum of Understanding (MOU), paying a deposit, obtaining a No Objection Certificate (NOC) from the developer, and completing the ownership transfer through the Dubai Land Department.
The process typically involves selecting a property, signing a Memorandum of Understanding (MOU), paying a deposit, obtaining a No Objection Certificate (NOC) from the developer, and completing the ownership transfer through the Dubai Land Department.
The process typically involves selecting a property, signing a Memorandum of Understanding (MOU), paying a deposit, obtaining a No Objection Certificate (NOC) from the developer, and completing the ownership transfer through the Dubai Land Department.
Legal & Visa
Yes, foreigners can obtain a mortgage in Dubai. Many local and international banks offer home financing options to non-residents, subject to eligibility criteria such as income, credit history, and down payment requirements.
The process typically involves selecting a property, signing a Memorandum of Understanding (MOU), paying a deposit, obtaining a No Objection Certificate (NOC) from the developer, and completing the ownership transfer through the Dubai Land Department.
The process typically involves selecting a property, signing a Memorandum of Understanding (MOU), paying a deposit, obtaining a No Objection Certificate (NOC) from the developer, and completing the ownership transfer through the Dubai Land Department.
The process typically involves selecting a property, signing a Memorandum of Understanding (MOU), paying a deposit, obtaining a No Objection Certificate (NOC) from the developer, and completing the ownership transfer through the Dubai Land Department.
The process typically involves selecting a property, signing a Memorandum of Understanding (MOU), paying a deposit, obtaining a No Objection Certificate (NOC) from the developer, and completing the ownership transfer through the Dubai Land Department.
Noard Real Estate
Yes, foreigners can obtain a mortgage in Dubai. Many local and international banks offer home financing options to non-residents, subject to eligibility criteria such as income, credit history, and down payment requirements.
The process typically involves selecting a property, signing a Memorandum of Understanding (MOU), paying a deposit, obtaining a No Objection Certificate (NOC) from the developer, and completing the ownership transfer through the Dubai Land Department.
The process typically involves selecting a property, signing a Memorandum of Understanding (MOU), paying a deposit, obtaining a No Objection Certificate (NOC) from the developer, and completing the ownership transfer through the Dubai Land Department.
The process typically involves selecting a property, signing a Memorandum of Understanding (MOU), paying a deposit, obtaining a No Objection Certificate (NOC) from the developer, and completing the ownership transfer through the Dubai Land Department.
The process typically involves selecting a property, signing a Memorandum of Understanding (MOU), paying a deposit, obtaining a No Objection Certificate (NOC) from the developer, and completing the ownership transfer through the Dubai Land Department.