Buying in Dubai: costs, escrow and the golden visa
How off-plan buyers' money is protected in Dubai, what registration costs and when a purchase brings a visa.
Updated 10/14/2026 · 6 min read
In short
- Foreigners buy freehold in designated zones — most popular areas.
- Off-plan payments go into the project's escrow account and are released by construction progress.
- The Dubai Land Department fee is 4% of the price plus small admin fees.
- Property from AED 2M (≈ $545,000) qualifies for a 10-year golden visa.
Costs on top of the price
DLD fee
title registration
Trustee / Oqood registration
Oqood for off-plan
Agency fee
resale
Service charges
annual, depends on the building
How your money is protected
By law developers can't spend buyers' money freely: payments go into a bank escrow account and are released as progress is verified. Check projects and developers in the Dubai REST app.
Taxes
Individuals pay no tax on rental income or capital gains in the UAE, and there's no annual property tax — only building service charges.
FAQ
Does off-plan qualify for the golden visa?+
Yes, subject to value and payment conditions; check requirements on the application date.
Can I get a mortgage?+
Yes, UAE banks lend to non-residents, usually up to 50–60% of the value.
Buying process · UAE
Find a property for my budgetThis guide is for information only and is not legal advice. Rates and rules change — confirm them with a lawyer before you buy.