{"id":4379,"date":"2026-10-10T06:04:07","date_gmt":"2026-10-10T06:04:07","guid":{"rendered":"https:\/\/real-dubai.com\/buy-ready-property-dubai"},"modified":"2026-10-10T16:19:19","modified_gmt":"2026-10-10T16:19:19","slug":"buy-ready-property-dubai","status":"publish","type":"post","link":"https:\/\/real-dubai.com\/en\/buy-ready-property-dubai","title":{"rendered":"Buying a ready property in Dubai: the process step by step"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"4379\" class=\"elementor elementor-4379 elementor-4075\">\n\t\t\t\t<div class=\"elementor-element elementor-element-8f4d1c4 e-con-full page-content rd-col e-flex e-con e-parent\" data-id=\"8f4d1c4\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-29a24fa e-con-full rdf e-flex e-con e-child\" data-id=\"29a24fa\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-efd9705 e-con-full rd-faq-hero e-flex e-con e-child\" data-id=\"efd9705\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-c8a6a03 elementor-widget elementor-widget-text-editor\" data-id=\"c8a6a03\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"rdf-eb\">Guide \u00b7 Buying process<\/div><h1>Buying a ready property in Dubai: the process step by step<\/h1><p>A ready property has one big advantage: you see what you are buying. And you can rent it out or live in it straight away. Here you\u2019ll find out how buying a completed or resale property in Dubai works, what it costs and how to do it from abroad.<\/p><p class=\"rdf-meta\">Updated: October 2026 \u00b7 Reading time approx. 7 minutes<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-b0665a5 e-con-full rdf-article e-flex e-con e-child\" data-id=\"b0665a5\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-5eabb97 elementor-widget elementor-widget-text-editor\" data-id=\"5eabb97\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p class=\"rdf-short\"><b>In short:<\/b> Buying a ready property in Dubai takes three steps: sales contract, no-objection certificate from the developer, registration at the Registration Trustee. You don\u2019t have to travel to Dubai, and at the end you hold the title deed in your hands.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8d4ab35 elementor-widget elementor-widget-text-editor\" data-id=\"8d4ab35\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div aria-label=\"Contents\" class=\"rdf-toc\"><strong>In this guide<\/strong><ol><li><a href=\"#darf-ich\">Can you buy as a foreigner?<\/a><\/li><li><a href=\"#ablauf\">The process in three steps<\/a><\/li><li><a href=\"#kosten\">What the purchase costs<\/a><\/li><li><a href=\"#fernkauf\">Buying without travelling to Dubai<\/a><\/li><li><a href=\"#finanzierung\">Financing<\/a><\/li><li><a href=\"#nach-dem-kauf\">After the purchase: rent out or live in it<\/a><\/li><li><a href=\"#fragen\">FAQ<\/a><\/li><\/ol><\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<section class=\"elementor-element elementor-element-461662e e-con-full rdf-sec e-flex e-con e-child\" data-id=\"461662e\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-2b04f59 elementor-widget elementor-widget-text-editor\" data-id=\"2b04f59\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h2 id=\"darf-ich\">Can you buy property in Dubai as a foreigner?<\/h2><p>Yes. In the areas the Ruler of Dubai has designated for this purpose (freehold areas), foreigners may buy property outright \u2013 without a time limit and without living in the UAE.<\/p><p>Well-known freehold areas include Dubai Marina, Downtown, Business Bay and Jumeirah Village Circle. Which location fits your goal is shown by our <a href=\"\/en\/investor-type\">eight investor types<\/a>.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/section>\n\t\t<section class=\"elementor-element elementor-element-d782df9 e-con-full rdf-sec e-flex e-con e-child\" data-id=\"d782df9\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-c88da4e elementor-widget elementor-widget-text-editor\" data-id=\"c88da4e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h2 id=\"ablauf\">The process in three steps<\/h2><ol class=\"rdf-steps\">\n<li><b>Sales contract (Contract F):<\/b> Buyer and seller sign the sales contract, called \u201cContract F\u201d in the Dubai Land Department\u2019s system. It sets out the price, the payment terms and the deadlines. A 10% deposit is customary, held in trust until the transfer.<\/li>\n<li><b>No-objection certificate (e-NOC):<\/b> The developer of the building issues an electronic no-objection certificate. It confirms that nothing stands in the way of the transfer \u2013 for example, that no service charges are outstanding.<\/li>\n<li><b>Registration and title deed:<\/b> You pay the balance, usually by manager\u2019s cheque, and the transfer is registered at a DLD Registration Trustee Office. The title deed is then issued in your name.<\/li>\n<\/ol><div class=\"rdf-note\"><b>Plain talk:<\/b> In many countries a notary or solicitor handles the transfer. In Dubai, the process works differently. That makes it all the more important to have someone at your side who keeps an eye on the contract, payments and deadlines \u2013 in your language.<\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/section>\n\t\t<section class=\"elementor-element elementor-element-46b9c82 e-con-full rdf-sec e-flex e-con e-child\" data-id=\"46b9c82\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-c5847fa elementor-widget elementor-widget-text-editor\" data-id=\"c5847fa\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h2 id=\"kosten\">What the purchase costs<\/h2><p>For a ready apartment, around 6.5% comes on top of the purchase price. The biggest item is the Dubai Land Department\u2019s 4% registration fee. On top come the fees for the Trustee and documents, plus the agent commission, usually 2% plus VAT.<\/p><div class=\"rdf-table\"><table><thead><tr><th>Item<\/th><th>At AED 1.5 million<\/th><\/tr><\/thead><tbody>\n<tr><td>DLD registration fee (4%)<\/td><td>AED 60,000<\/td><\/tr>\n<tr><td>Registration Trustee (incl. VAT)<\/td><td>AED 4,200<\/td><\/tr>\n<tr><td>Title deed, site plan, fees<\/td><td>AED 520<\/td><\/tr>\n<tr><td>Agent commission (2% + 5% VAT)<\/td><td>AED 31,500<\/td><\/tr>\n<tr class=\"sum\"><td>Total<\/td><td>AED 96,220 (\u2248 6.4%)<\/td><\/tr>\n<\/tbody><\/table><\/div><p>All items in detail, also for smaller apartments, are in the guide <a href=\"\/en\/buying-costs-property-dubai\">Buying costs for property in Dubai<\/a>.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/section>\n\t\t<section class=\"elementor-element elementor-element-4c08102 e-con-full rdf-sec e-flex e-con e-child\" data-id=\"4c08102\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-a557990 elementor-widget elementor-widget-text-editor\" data-id=\"a557990\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h2 id=\"fernkauf\">Buying without travelling to Dubai<\/h2><p>You don\u2019t have to fly to Dubai to buy. You can be represented by an attorney for the transfer. But since July 2025, a power of attorney issued outside the UAE has to meet stricter requirements. It must:<\/p><ul class=\"rdf-check\"><li>be no more than two years old<\/li><li>be notarised<\/li><li>be legalised by the UAE embassy and the UAE Ministry of Foreign Affairs<\/li><li>be translated into Arabic<\/li><li>relate to the specific transaction<\/li><\/ul><p>The fully digital purchase via the Dubai Now app is only available to Emirates ID holders.<\/p><div class=\"rdf-warn\"><b>Note:<\/b> Allow enough time for the power of attorney. Notarisation, legalisation and translation take time \u2013 and a faulty power of attorney delays the transfer.<\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/section>\n\t\t<section class=\"elementor-element elementor-element-539583a e-con-full rdf-sec e-flex e-con e-child\" data-id=\"539583a\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-76006f5 elementor-widget elementor-widget-text-editor\" data-id=\"76006f5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h2 id=\"finanzierung\">Financing<\/h2><p>In principle, you can also get a mortgage in Dubai as a foreigner. The UAE Central Bank caps the loan-to-value ratio for foreigners at 80% for a first home up to AED 5 million, 70% above that and 60% for a second home or investment property.<\/p><p>For buyers who don\u2019t live in the UAE, banks set their own limits. Mashreq Bank, for example, finances up to 50% of the market value for them.<\/p><p class=\"rdf-punch\">For your planning, this means: if you don\u2019t live in the UAE, expect to need around 50% equity \u2013 plus buying costs.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/section>\n\t\t<section class=\"elementor-element elementor-element-3c54c8e e-con-full rdf-sec e-flex e-con e-child\" data-id=\"3c54c8e\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-8ee3b00 elementor-widget elementor-widget-text-editor\" data-id=\"8ee3b00\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h2 id=\"nach-dem-kauf\">After the purchase: rent out or live in it<\/h2><p>The big advantage of a ready apartment: it can earn money straight away. Every tenancy contract in Dubai must be registered in the Ejari system; via the Dubai REST app this costs AED 177.75.<\/p><p>For short-term rental as a holiday home, you also need a licence from the Department of Economy and Tourism (DET). Without this licence, holiday letting is not permitted in Dubai.<\/p><p>As an owner, you also pay annual service charges for common areas and maintenance. There is no annual property tax.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/section>\n\t\t\t\t<div class=\"elementor-element elementor-element-c074e36 elementor-widget elementor-widget-text-editor\" data-id=\"c074e36\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"rdf-cta\"><div><h3>Looking for a ready apartment?<\/h3><p>Tell us what you have in mind: renting out, living in it or both. We\u2019ll show you suitable properties \u2013 on site or by video call.<\/p><\/div><a class=\"rdf-btn\" href=\"#rdwa\">Ask on WhatsApp<\/a><\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<section class=\"elementor-element elementor-element-aa38e5a e-con-full rdf-sec e-flex e-con e-child\" data-id=\"aa38e5a\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-5ed1a57 elementor-widget elementor-widget-text-editor\" data-id=\"5ed1a57\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h2 id=\"fragen\">FAQ<\/h2>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-fca1545 elementor-widget elementor-widget-text-editor\" data-id=\"fca1545\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"rdf-q\"><h3>How long does buying a ready apartment take?<\/h3><p>With a cash purchase, often just a few weeks. With bank financing and a power of attorney from abroad, expect more like two to three months \u2013 legalising the power of attorney and the bank\u2019s checks take time.<\/p><\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-917e524 elementor-widget elementor-widget-text-editor\" data-id=\"917e524\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"rdf-q\"><h3>Do I need to live in Dubai?<\/h3><p>No. In the freehold areas, you can buy outright without living in the UAE.<\/p><\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-43e4bda elementor-widget elementor-widget-text-editor\" data-id=\"43e4bda\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"rdf-q\"><h3>Can I rent the apartment out as a holiday home?<\/h3><p>Yes, but only with a licence from the Department of Economy and Tourism (DET).<\/p><\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/section>\n\t\t\t\t<div class=\"elementor-element elementor-element-f554d38 elementor-widget elementor-widget-text-editor\" data-id=\"f554d38\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"rdf-sources\"><h2>Sources<\/h2><ul>\n<li><a href=\"https:\/\/dlp.dubai.gov.ae\/Legislation%20Reference\/2006\/Law%20No.%20%287%29%20of%202006.html\" rel=\"noopener\" target=\"_blank\">Law No. 7 of 2006, Article 4<\/a><\/li>\n<li><a href=\"https:\/\/u.ae\/en\/information-and-services\/moving-to-the-uae\/expatriates-buying-a-property-in-the-uae\/buying-property-in-dubai\" rel=\"noopener\" target=\"_blank\">Government portal u.ae: Buying property in Dubai<\/a><\/li>\n<li><a href=\"https:\/\/dubailand.gov.ae\/media\/i31iv1n0\/real_estate_brokerage_practice_guide_2024.pdf\" rel=\"noopener\" target=\"_blank\">DLD Real Estate Brokerage Practice Guide 2024 (PDF)<\/a><\/li>\n<li><a href=\"https:\/\/dubailand.gov.ae\/en\/eservices\/property-sale-registration\/\" rel=\"noopener\" target=\"_blank\">DLD: Property Sale Registration<\/a><\/li>\n<li><a href=\"https:\/\/bsalaw.com\/insight\/dubais-new-standards-for-powers-of-attorney-in-property-deals\/\" rel=\"noopener\" target=\"_blank\">BSA law firm on DLD Circular 29\/R\/2025 (August 2025)<\/a><\/li>\n<li><a href=\"https:\/\/dubailand.gov.ae\/en\/news-media\/dubai-land-department-unveils-digital-sale-service-on-dubai-now-app-at-gitex-global-2025\" rel=\"noopener\" target=\"_blank\">DLD: Digital Sale on Dubai Now (October 2025)<\/a><\/li>\n<li><a href=\"https:\/\/rulebook.centralbank.ae\/en\/rulebook\/article-3-important-ratios\" rel=\"noopener\" target=\"_blank\">UAE Central Bank: Mortgage Regulations, Article 3<\/a><\/li>\n<li><a href=\"https:\/\/www.mashreq.com\/uae\/neo\/loans\/mortage-loans\/home-loan-non-residents\/\" rel=\"noopener\" target=\"_blank\">Mashreq: Home Loan for non-residents<\/a><\/li>\n<li><a href=\"https:\/\/dubailand.gov.ae\/en\/eservices\/register-renew-ejari-contract\/\" rel=\"noopener\" target=\"_blank\">DLD: Ejari registration<\/a><\/li>\n<li><a href=\"https:\/\/dlp.dubai.gov.ae\/Legislation%20Reference\/2013\/Decree%20No.%20%2841%29%20of%202013.html\" rel=\"noopener\" target=\"_blank\">Decree No. 41 of 2013 on holiday homes, Article 3<\/a><\/li>\n<\/ul><\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1879390 elementor-widget elementor-widget-text-editor\" data-id=\"1879390\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p class=\"rdf-disclaimer\">Updated: October 2026. This guide summarises the legal position in general terms and does not replace legal advice in individual cases.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-dadb640 elementor-widget elementor-widget-text-editor\" data-id=\"dadb640\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"rdf-related\"><strong>Read on<\/strong><a href=\"\/en\/buying-costs-property-dubai\">Buying costs for property<\/a><a href=\"\/en\/golden-visa-dubai-property\">Golden Visa with property<\/a><a href=\"\/en\/faq\">FAQ about buying property in Dubai<\/a><a href=\"\/en\/contact\">Free strategy call<\/a><\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>From sales contract to title deed: how buying a ready property in Dubai works \u2013 even from abroad.<\/p>\n","protected":false},"author":1,"featured_media":3851,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[36],"tags":[],"class_list":["post-4379","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-guides"],"_links":{"self":[{"href":"https:\/\/real-dubai.com\/en\/wp-json\/wp\/v2\/posts\/4379","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/real-dubai.com\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/real-dubai.com\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/real-dubai.com\/en\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/real-dubai.com\/en\/wp-json\/wp\/v2\/comments?post=4379"}],"version-history":[{"count":1,"href":"https:\/\/real-dubai.com\/en\/wp-json\/wp\/v2\/posts\/4379\/revisions"}],"predecessor-version":[{"id":4380,"href":"https:\/\/real-dubai.com\/en\/wp-json\/wp\/v2\/posts\/4379\/revisions\/4380"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/real-dubai.com\/en\/wp-json\/wp\/v2\/media\/3851"}],"wp:attachment":[{"href":"https:\/\/real-dubai.com\/en\/wp-json\/wp\/v2\/media?parent=4379"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/real-dubai.com\/en\/wp-json\/wp\/v2\/categories?post=4379"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/real-dubai.com\/en\/wp-json\/wp\/v2\/tags?post=4379"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}