Buying Guides

Off-Plan Payment Plans in Dubai: How to Read a 1/60/40 or Post-Handover Plan

Off plan payment plans in Dubai fall into three main structures: construction-linked plans such as 60/40, 70/30, or 50/50 (which carry no price premium and hand over a clean title at completion), extended post-handover plans that defer 40% of the price over 36 months after delivery (at a 5% to 15% price premium), and 1% monthly installment plans that stretch payments over roughly 80 months (at a 10% to 18%...

Dubai Property Registration Fees Explained: DLD Fee, Agency Commission and Hidden Costs

Dubai property registration fees and total transaction costs average 4.0% to 4.2% of the purchase price on off-plan property bought in cash, and 6.5% to 8.5% on secondary market resale purchases. The single largest component in both cases is the 4.0% Dubai Land Department (DLD) transfer fee, which the buyer pays in full on secondary transactions. Every statutory levy, brokerage commission, and...

Freehold vs Leasehold in the UAE: What Foreign Buyers Actually Own

The core difference in freehold vs leasehold UAE ownership is permanence: freehold gives a foreign buyer perpetual, absolute title to both the property and the underlying land, while leasehold grants only a time-limited right to occupy and use it, typically for up to 99 years, after which the asset reverts to the landowner. Foreign investors can only acquire freehold title within designated zones set out...

How to Get a Mortgage in Dubai as a Non-Resident: Rates, Down Payment and Documents

Getting a mortgage in Dubai for non residents is possible through most major UAE banks, but it requires a larger down payment and more documentation than a resident mortgage does. Foreign buyers who don't live in the UAE can typically borrow 50% to 65% of a ready property's value, meaning a down payment of 35% to 50%, at interest rates currently ranging from about 4.20% to 6.13% per annum. Below is exactly...