How to Buy Property in Dubai — Complete Guide 2026

Buying property in Dubai as a foreign investor is straightforward once you understand the process. Dubai allows 100% foreign ownership in designated freehold areas — including Downtown Dubai, Palm Jumeirah, Dubai Marina, Al Marjan Island, and most major developments.

Step 1 — Choose your property

Work with a RERA-registered agent or go directly to the developer. For off-plan property, the developer’s sales team handles everything. For ready properties, an agent finds suitable listings.

Step 2 — Pay the reservation deposit

Typically 10–20% of the purchase price. You receive a reservation form confirming the unit, price, and payment schedule.

Step 3 — Sign the Sales Purchase Agreement (SPA)

The SPA is the main contract. It details the unit, price, handover date, payment milestones, and penalties for delays. Read it carefully — or have a conveyancer review it.

Step 4 — Register with the Dubai Land Department

Within 30 days of signing, the property is registered with the DLD. For off-plan, you receive an Oqood certificate (interim ownership document). For ready property, you receive the title deed directly.

Step 5 — Follow the payment plan

Off-plan properties have structured payment plans tied to construction milestones. Payments are made to an escrow account — your money is protected and cannot be accessed by the developer until milestones are met.

Step 6 — Handover and title deed

At completion, inspect the property (snagging inspection recommended). Once satisfied, sign the handover documents. Your Oqood converts to a full title deed.

Costs to budget

• DLD fee: 4% of purchase price
• Oqood/registration: AED 1,000–5,000
• Trustee office: AED 4,200
• Agent commission: 2% (often waived for off-plan)
• Total: approximately 6–8% above purchase price