How to Buy Property in Dubai 2025: Guide to the Legal Process

Many people are searching for legal information about buying property in Dubai. No matter where you are from, like India, the USA, or the UK, you can invest in real estate hassle-free if you follow the steps properly. 

Read this complete step-by-step guide on how to buy property Dubai in 2025 to make your real estate journey smooth.

The Rules of Buying Property in Dubai Legally

Check out Article 4 of Law No. 7 of 2006 to own property in Dubai. This is the major reference and regulation of it. According to this law, you can purchase property anywhere in Dubai if you are a UAE or GCC citizen. The good thing for foreigners is they can buy property on leasehold or freehold. 

Freehold and Leasehold

Under freehold ownership law, you can buy or acquire property without any restriction. Conversely, with a leasehold, you can own property for a specific period, like up to 99 years. Before making a final decision, you must have knowledge about freehold and leasehold because it has an impact on your investment goals. 

The Major Requirements to Buy Property in Dubai

No matter if you’re new to the real estate field or buying property for the first time, make sure to consider these documents to understand how to buy property in Dubai. 

• Visa 

• proof of income 

• recent bank statements 

• No Objection Certificate (NOC) from the developer

• Details about the property 

• The seller’s identity proof

• Payment information 

• Buy agreement

Essential Steps to Buy Property in Dubai

The buying a property in Dubai process is not rocket science. To learn more about this in detail, follow the below steps:

1. Ready the Buyer/ Seller Contract

The first step is to discuss the terms of the transactions with the seller. This includes the payment options, flexibility in payment, and any other relevant data. Buying a property will give you 2 options: cash or mortgage. Cash buyers have a good understanding of how to negotiate and convince the seller to come on a low price. There is no need to involve a real estate agent or lawyer. Make a proper contract that shows the terms and conditions so there will be no misunderstanding in the future.

2. Sign the Agreement

After agreeing on the terms, it’s time to sign the official Dubai real estate sale agreement, a Memorandum of Understanding (MOU). This document comes from the Dubai Land Department website and contains the terms and conditions of the sale, payment schedules, buying price, and other essential details. The buyer and seller must sign this form, and you’ll need to pay a 10% security deposit on the property. Once you finish the transaction, they will return it to you. 

3. Get No Objection Certificate

In this process of buying property in Dubai, the purchaser and seller, along with their real estate agent, will meet at developer offices such as Emaar Properties or Dubai Properties during property buying in Dubai. During this session, participants will apply for a No Objection Certificate to affect ownership transfer. An NOC demonstrates that additional service modifications and illegal property conditions remain absent from the property. 

Keep in mind that NOC and Form F are important documents for buying property in Dubai.

4. Transfer Ownership at Registrar Office

You should organize the required document, meet in person, or send the authorized representative. To finalize the property transfer, you must have the following documents: 

1. Submit the needed documents. 

• • A payable cheque for the property price 

  • Original identification documents of both seller and buyer (Emirates ID & passport) 

  • The original NOC 

  • The signed contract of F Form 

2. Get verification of the data

3. Submit the fees and receive a receipt for payment

4. Get the output through email.

The transfer will start processing as you submit all the documents and pay the fees. After that, you will get the new title deed in your name as the new owner. 

How Much Salary Anyone Should Have to Buy Dubai Property

Most people ask a question of how much minimum investment is required to buy property in Dubai. So, you should have AED 750,000 to purchase the property in UAE. 

Moreover, if you want to get property in Dubai, your monthly salary should be AED 15,000. It also depends on the property type, location, and bank policies. You can take the property in some budget-friendly areas if your salary is AED 10,000. In the high-class areas, you must have more than AED30,000 or more. 

A lot of people want to buy a property at a limited cost because everyone can’t afford to buy a home in high-class areas. There are many ways to purchase property with a low income. It all depends on the buyer’s requirements. 

How Much is the Administrative Cost to Buy Property in Dubai

When buying property in Dubai:

• The admin price, which is mostly related to the Dubai Land Department (DLD) fees, is typically around 4% of the property value.

• An extra AED 580 admin charges for the title deed. This means that the admin cost is not fixed and can vary. 

• You can calculate it based on the property cost with the added AED 580 fee.

Considerations for Successful Property Purchases in the Dubai Real Estate Market

You should understand some factors while purchasing a home or other property in Dubai:

1. Work with Registered Real Estate Agents: 

To ensure professionalism and compliance, you must hire an agent who is registered with the Real Estate Regulatory Agency (RERA). 

2. Translations and Attestations: 

If there is any document in a foreign language, it must be converted into Arabic translations. 

3. Registration Timeline: 

When the buyer and seller sign the contract, the transaction must be registered within 60 days. If the transaction is delayed, an extra amount might be charged.

4. Freehold Districts for Foreigners: 

Some well-known areas of Dubai are Arabian Reaches, Dubai Marina, Down Dubai, and Palm Jumeirah, where foreigners can buy real estate property.