Guides Β· Dubai

How buying here actually works.

Most guides describe a transfer at the Land Department. The register says that is not what most buyers do.

What a purchase here actually is

63% of sales are for a building that does not exist yet.

Of 495,060 sales the Land Department recorded since 2024, 63% went through as Sell β€” Pre registration: an Oqood entry against an off-plan unit, not a title transfer. Buying in Dubai mostly means signing for something unbuilt and converting to a title deed at handover.

ProcedureWhat it isRecordedShare
Sell - Pre registrationOff-plan, entered on the Oqood interim register309,69663%
SellCompleted home, title transferred126,36526%
Delayed SellSale registered with transfer deferred48,13410%
Sell DevelopmentDeveloper-side registration3,8231%

Sales procedures recorded from 2024 onward. Source: Dubai Land Department, to 4 August 2026.

What it costs

Four per cent, on prices people actually paid.

The Land Department transfer fee is 4%of the purchase price. It is customarily paid by the buyer, though that is negotiable, and it sits on top of registration and trustee-office fees and agency commission. β€œFour per cent” means nothing until there is a price beside it, so here it is against the median recorded sale in each district.

DistrictMedian recorded saleTransfer fee at 4%AED / sqft
Business BayAED 1.65MAED 66,0001,994
Downtown DubaiAED 3.00MAED 120,0002,621
Dubai HarbourAED 3.60MAED 144,0003,353
Palm JumeirahAED 4.50MAED 180,0002,805

Medians of completed-home sales, 2026 to date. These are recorded transactions, not asking prices, and a median is not a valuation of any particular home.

Who can buy

Freehold, any nationality, no residency required.

  • Freehold in designated areas. Foreign buyers own outright in Dubai’s freehold zones, which includes every district we cover. No nationality restriction and no requirement to live here.
  • Golden Visa from AED 2M. Property at or above that can make a buyer eligible for the ten-year residency. It depends on your circumstances and on the property being registered in your name β€” a starting point, not a guarantee.
  • No annual property tax. There is no recurring property tax in the UAE and no capital gains tax on the sale. The 4% transfer fee is a one-off.
The two decisions before the paperwork

Neither of them is about paperwork.

The process is the easy part. What decides whether it goes well is settled before any of it: whether off-plan is actually cheaper β€” on the register, in most of Dubai, it is not β€” and what goes wrong when it does, where the median project took three years to deliver and one in ten took over five and a half.

Then the four things a legitimate off-plan advert must carry: the Trakheesi permit number, the developer, the escrow account and the completion date. Every project file we publish states its own position on all four, including where one is still open.

What we cannot tell you

The limits, stated.

  • No loan terms. Rates and loan-to-value are a bank’s business and they change. We do not publish them and you should not take them from a property site.
  • No tax advice. There is no UAE property tax, but what you owe at home depends on where you are resident. Ask someone qualified in your jurisdiction.
  • No figures for Abu Dhabi. Everything here is the Dubai register. Abu Dhabi has a different regulator and its equivalent is not public in this form.
Buying in Dubai

Straight answers.

What does it cost to buy property in Dubai?
The Dubai Land Department transfer fee is 4% of the purchase price, customarily paid by the buyer though it is negotiable, plus registration and trustee-office fees and agency commission. On real prices that means about AED 66,000 on the median Business Bay home at AED 1.65M, about AED 120,000 on the median Downtown Dubai home at AED 3.00M, about AED 144,000 on the median Dubai Harbour home at AED 3.60M. Those medians are registered sales to 4 August 2026, not asking prices.
Can foreigners buy property in Dubai?
Yes, on a freehold basis in Dubai's designated freehold areas, which include everywhere we cover. There is no nationality restriction and no residency requirement to own. Property from AED 2M can make a buyer eligible for the ten-year UAE Golden Visa β€” eligibility depends on your circumstances and on the property being registered in your name, so treat it as the start of a conversation rather than a guarantee.
Is most property in Dubai bought off-plan or completed?
Off-plan, by a wide margin. Of 495,060 sales recorded since 2024, 63% were registered as "Sell - Pre registration" β€” an Oqood entry against a building that does not exist yet β€” against 26% as completed title transfers. Most guides describe the transfer and skip the thing most buyers actually do.
What is Oqood?
The Land Department's interim register for off-plan purchases. Your contract is recorded there before the building exists, and it converts to a title deed at handover. If your purchase is not on Oqood you are not on the record β€” it is the single most important thing to confirm on an off-plan deal.
Do I need a mortgage, and can I get one as a non-resident?
Non-residents can borrow from UAE banks, typically at lower loan-to-value than residents, and off-plan lending works differently again because the asset does not exist yet. We do not publish loan terms β€” they are a bank's business and they change. For scale only: the register recorded 101,216 mortgage registrations since 2024 against 495,060 sales, though that figure includes refinancing and is not a count of financed purchases.