Comprehensive Guide to Property Buying Tips in Dubai
Buying a home in Dubai can be a rewarding investment, but it requires careful planning and consideration. RE One Properties, with years of experience in real estate, offers clear, seamless, and individualized real estate services to high-end clients. This guide will provide you with essential tips and factors to consider when buying a property in Dubai.
The Ownership Duration (Tenure)
Before making any investment, ask yourself how long you have been in Dubai and how long you plan to stay. If your long-term plans are uncertain, renting might be more suitable than buying. Understanding your tenure helps in making informed decisions.

Affordability
Affordability is a crucial factor. Your monthly housing expenses should not exceed 30% of your salary. Additionally, budget for upfront fees, which are approximately 7 to 8% of the purchase price.
Essential Fees
- Dubai Land Department fees: 4% of the total property price
- Administration fee: AED 580
- Property registration fee:
- AED 2,000 + 5% VAT for properties below AED 500,000
- AED 4,000 + 5% VAT for properties above AED 500,000
- Real Estate Agent fee: 2% of the purchase price + 5% VAT
- Bank Mortgage Arrangement fee: 1% of the loan amount + 5% VAT
- Dubai Land Department Mortgage Registration fee: 0.25% of the loan amount + AED 290
- Property Valuation fee: AED 2,500 – AED 3,500 + 5% VAT
You will also need to pay annual maintenance charges based on the RERA Service Charge and Maintenance Index.
Property buying tips
Savings
The down payment is a significant factor. For properties valued at less than AED 5 million, the minimum deposit required is:
- Expats: 25% of the purchase price
- UAE Nationals: 20% of the purchase price
The down payment must come from your savings, not a personal loan from a local bank. However, transaction costs, agent fees, and bank fees may be financed through a personal loan.
Rental Yields
If you plan to use your home as an investment, assess whether the projected rental income will cover your monthly mortgage and maintenance expenses. Proper planning ensures a good return on investment.
Real Estate Residence Visa
As an expat, understanding the laws regarding the real estate residence visa is crucial. The UAE government offers the Golden Visa, which grants a 3-year or 5- to 10-year stay depending on the property’s value.
Location
Location is vital when buying a home in Dubai. Choose a location close to work, schools, and daily services. Consider the daily commute to regular destinations, attractions, and facilities.
Property buying tips: Top Locations
- Downtown Dubai
- Meydan
- Emirates Hills
- Emirates Living
- Dubai Hills
- Palm Jumeirah
- Dubai Creek Harbour
- Arabian Ranches
- Dubai Marina
- Business Bay
Property Size
Plan for your future needs when choosing the size of your home. A spacious home is ideal if you plan to get married, have children, or have family members joining you. For smaller families or individuals, smaller units might be more suitable.
High Quality
Check the age of the building and the maintenance and renovation history. For off-plan options, verify the developer’s reputation for work quality and delivery commitment.

Property buying tips: Market Conditions
Before making a final decision, check the market status and conditions of your chosen area. This helps determine the best timing to buy and the potential return on investment.
Increasing the Value of Your Property
The upfront costs of buying a property may exceed your first 12 months’ rent, but over time, this gap flattens. Each monthly mortgage payment moves you closer to owning your home, unlike renting, which effectively pays someone else’s mortgage.
Long-term retention of your property should see capital appreciation, which is the increase in market value against the purchase price. The longer you hold the property, the greater the chances of its value increasing, boosting your overall revenue.
Buying a property in Dubai is a significant decision that requires careful planning and consideration. By keeping these factors in mind, you can make an informed decision that aligns with your long-term goals and financial capabilities. RE One Properties is here to help you navigate the process with ease, offering expertise and personalized service to ensure you find the perfect home or investment property in Dubai.