How to Buy Property in Dubai as an Indian: Step-by-Step Guide for NRIs & Residents

Dubai has become one of the most sought-after property markets for Indian nationals, offering tax-free ownership, attractive rental yields, and an enviable lifestyle. Dubai also boasts incredible infrastructure, is close to India, and provides a very business-friendly environment that has attracted many expatriate families over the years.

Choosing the Right Area

As an Indian national, you have the option of investing in Dubai’s freehold areas, where full ownership rights are offered. The best locations are in the heart of Dubai, such as Downtown Dubai, Dubai Marina, and Business Bay – or, for more affordable options with a community feel, units in Jumeirah Village Circle and Arjan top the list.

When choosing an area, consider:

• Culture: Are you drawn to city life, or are you looking for a suburban setting?
• Returns: Areas with upcoming infrastructure tend to appreciate much faster.
• Connectivity: Proximity to metro lines, highways, and business hubs can be integral in determining the rental demand of a property.

Understanding the Costs

This is just as important as the purchase price. Aside from the value of the property, you will also have to consider:

• Dubai Land Department transfer fee – 4% of the property price.
• Broker fee – generally 2%.
• Annual service charges – depend on the size and facilities of the project.
• Currency exchange costs – changes in exchange rates between INR and AED can affect your total expense.

The Buying Process

The process of purchasing property in Dubai is relatively simple:

• Choose a freehold property with the help of an agent licensed by RERA.
• Make an offer and enter into an SPA (Sale Purchase Agreement) or MoU.
• Pay a deposit (usually 5–10% of the purchase price).
• Arrange financing if needed – banks in the UAE generally grant mortgages to NRIs, covering up to 75–80% of the property value.
• Obtain a NOC (No Objection Certificate) from the developer.
• Transfer ownership at the Dubai Land Department, pay the transfer fee, and collect your title deed (for completed properties) or Oqood certificate (for off-plan properties).

Residency and Incentives

Buying a property worth at least AED 750,000 can get you a two-year residency visa, and investments starting from AED 2 million can make you eligible for a ten-year Golden Visa. Living in the UAE, sponsoring family members, and enjoying travel flexibility are some of the benefits tied to valid visa status. Dubai also occasionally launches incentives for first-time buyers, such as fee reductions and developer discounts.

Key Tips for Indian Buyers

Dubai’s property market is open to foreign investors, but Indian nationals should keep the following legal and financial points in mind before investing:

• Do not use international credit cards for significant payments, as this can conflict with India’s foreign exchange regulations.
• Always send money through official banking channels.
• Always perform transactions through RERA-licensed brokers or developers for safety.
• Consider future resale value: The location and type of property you choose should appeal to potential buyers later.

Dubai offers Indian nationals an ideal combination of lifestyle, investment opportunities, and residency benefits. If you want to achieve your personal goals and avoid unexpected costs, it’s essential to buy the right property in the right area – for all the right reasons. If you are an Indian citizen and want to buy a flat in the UAE, then contact DDA Real Estate. Our experts will help you with all your questions. Also, some of our experts speak Hindi, which can facilitate communication.