Frequently Asked Questions:
GENERAL QUESTIONS
Why invest in Dubai real estate?
Dubai offers tax-free returns, high rental yields, world-class infrastructure, and a secure, business-friendly environment. Its growing population and global connectivity make it one of the most attractive property investment markets worldwide.
Why should I work with a real estate agency in Dubai?
  • ● Market expertise and property valuation
  • ● Legal guidance thorough buying/selling process
  • ● Access to exclusive listings
  • ● Tenant screening and leasing
  • ● Rent collection and legal compliance
  • ● Maintenance and property upkeep

📌 Agents like Armaan Capital don’t cost you extra — and often help you save more.
Is it safe to buy properties in Dubai?
Yes, buying property in Dubai is considered safe, especially if you follow the proper legal procedures and work with reputable professionals like Armaan Capital Real Estate. Here's a breakdown of why it's safe—and what to watch out for:

Why It’s Safe:
  • ● Strong Legal Framework: Dubai has a well-developed legal system for property transactions. Freehold property ownership for foreigners is allowed in designated areas.
  • ● Clear Title Deeds: Property ownership is officially registered and documented with the DLD. Buyers receive a title deed as proof of ownership.
  • ● Escrow Accounts: For off-plan properties, developers are required to use escrow accounts—meaning your money goes into a secure account monitored by the DLD and not directly to the developer until certain project milestones are met.
  • ● Reputable Developers & Agencies: Dubai is home to world-renowned developers (like Emaar, Nakheel, etc.), and licensed real estate agents must be registered with RERA.
  • ● No Property Tax: Dubai doesn’t impose annual property taxes, which makes it attractive for long-term investors.

What to Watch Out For:
  • ● Off-Plan Risks: Always buy from a RERA-approved developer. Ensure that your installments will be paid into a secure escrow account.
  • ● Hidden Fees: Be aware of fees like DLD registration (usually 4%), agent commission (typically 2%), and admin fees. Ask for a full cost breakdown.
  • ● Title Verification: Confirm the property is free of debts or mortgages before purchase—your agent or a lawyer can assist with this.
  • ● Illegal Brokers: Only work with RERA-licensed agents. You can verify them through the Dubai REST app or the DLD website. Avoid non-experienced brokers, especially if they are not holding official employment under a licensed real estate brokerage firm.
Can I buy property in Dubai without being a resident?
Yes. Residency is not required. Non-residents can purchase in freehold areas and may even apply for a mortgage under certain conditions.
Can I buy a full residential or commercial building?
Absolutely. Armaan Capital Real Estate specializes in full-building sales across Dubai and the UAE, including income-generating towers and commercial assets.
Can foreigners buy land in Dubai?
Yes, in freehold-designated areas. Both residential and commercial plots are available for foreign ownership.
What is the difference between Freehold and Leasehold?
  • Freehold: Full ownership of the property and land
  • Leasehold: Ownership for a fixed term (usually 30–99 years), typically in non-freehold areas
Can I buy property in Dubai without visiting?
Yes, you definitely can purchase property in Dubai without visiting.
  • ● For off-plan deals, the entire process can be completed remotely with the assistance of your agent like Armaan Capital.
  • ● For secondary deals, you can purchase remotely via Power of Attorney (POA).
What are the hidden or unexpected costs to consider?
  • ● DEWA, central AC, and gas connection charges
  • ● NOC fee from the developer
  • ● Annual building maintenance and service fees
  • ● Property registration and admin charges
Do I get a residency visa if I buy property in Dubai?
Yes, property investors can apply for a residency visa under the following categories:
  • ● 2-year investor visa (minimum property value: AED 750,000)
  • ● 10-year Golden Visa (minimum property value: AED 2 million)
How can I open a bank account in the UAE based on property purchase?
Provide your passport, sales agreement, and proof of local address. Most developers or agents assist you in opening an account during the purchase process. Required documents usually include your passport, Emirates ID (if resident), and property-related documents. Non-residents may open non-resident accounts.
Can I co-own property?
Yes, Up to 4 co-owners can be registered on a single title deed.
Can I register property in my spouse’s or child’s name?
Yes. Children under the age of 18 can also own property through a legal guardian and spouses can also be listed as joint owners.
What amenities are available in residential buildings?
In Dubai, you’re not only receiving an apartment—you get the whole lifestyle at your doorstep.

Standard Amenities:
  • ● Swimming pool – often temperature-controlled and may include separate kids’ pools or lap pools
  • ● Gym/Fitness center – fully equipped with cardio, weights, and sometimes yoga or spinning studios
  • ● Covered parking – allocated parking spots for residents; guest parking in premium buildings
  • ● High-speed elevators – Especially in high-rise towers, including service elevators
  • ● Security – 24/7 on-site security with CCTV monitoring and access control
  • ● Concierge/Reception – available in mid- to high-end buildings for guest management and resident services
  • ● Maintenance & Facility management – in-house or contracted teams handle common area upkeep

Common Amenities:
  • ● Kids’ play area – indoor or outdoor spaces with safe, family-friendly facilities
  • ● Multi-purpose halls – for events, meetings, or private gatherings
  • ● Pet-friendly zones – some buildings allow pets and provide dedicated areas for them
  • ● Sauna and Steam room – separate male and female sections Other Amenities (in some complexes):
  • ● Some projects offer a wide range of luxury amenities such as sports courts, mini-golf, outdoor cinemas, artificial beaches, and much more.
INVESTOR SERVICES & WEALTH MANAGEMENT
Is it profitable to buy Dubai real estate compared to other places in the world?
Yes, Dubai real estate can be profitable, especially when compared to many major global cities.

Why Dubai Real Estate Can Be More Profitable:
  • 1. High Rental Yields
    • ○ Dubai: 6%–10% average gross rental yield.
    • ○ London: 3%–5%
    • ○ New York: 2%–4%
    • ○ Singapore: 2%–3%
    • ○ Hong Kong: 1.5%–3%
  • 2. No Property Taxes
    • ○ Dubai: 0% annual property tax, 0% capital gains tax, and no income tax on rent.
  • 3. Low Entry Prices (Relative to Tier-1 Cities)
    • ○ Dubai offers luxury living at mid-range prices (e.g., Downtown Dubai: $600–$800 per sq.ft. compared to $1,500–$3,000+ per sq.ft. in cities like London or NYC.
  • 4. Strong Capital Appreciation
    • ○ Dubai has seen steady appreciation over the past few years, especially in the post-COVID period.
  • 5. Investor-Friendly Policies
    • ○ 100% foreign ownership.
    • ○ Visa-linked property investments including the Golden Visa for properties valued at AED 2M or more.
    • ○ Transparent processes regulated by DLD and RERA.
What ROI can I expect in Dubai?
  • ● Residential: 5%–9% net rental yield
  • ● Commercial: Often 7%–12%+ depending on area and occupancy
Can I purchase property under a company name?
Yes. Foreign and UAE-based companies can buy properties in designated freehold zones. Offshore or SPV ownership may offer tax advantages or structural flexibility.
Can I invest through a company or offshore structure?
Yes, if the company is registered in the UAE. We assist with setting up Dubai/UAE free zone and mainland corporate structures suited to commercial or bulk investments.
Do you offer portfolio advisory services?
Yes — our wealth management division helps you:
  • ● Portfolio planning & diversification
  • ● Asset acquisition & resale strategy
  • ● Gain access exclusive off-market assets
  • ● Resell or lease assets for maximum ROI
  • ● Risk analysis & market positioning
  • ● Exclusive off-market opportunities

📌 Key Takeaway: Dubai offers the strongest rental income and zero tax combination globally, with a low entry cost and strong infrastructure growth. Perfect for yield-focused investors and international buyers.
OFF-PLAN PROPERTIES
What is an off-plan property?
An off-plan property is under construction or pre-launch, usually sold directly by developers or through authorized agents. It offers flexible pricing and payment plans.
What are the benefits of buying off-plan?
  • ● Lower prices and flexible payment plans
  • ● Potential for higher capital appreciation
  • ● Often no transfer fees
Why should I buy off-plan through a trusted agent instead of directly from the developer?
  • ● Access to all projects from multiple developers
  • ● Unbiased advice tailored to your goals
  • ● Legal and paperwork support to avoid mistakes
  • ● Priority inventory access (e.g., best units, early launches)
  • ● Post-sale services: renting out, reselling
  • How do I pay for off-plan properties?
    You can pay via local/international bank transfer or UAE local bank cheque.
    Installments are paid to a secure escrow account, and fees are paid to the developer’s account.
    What kind of payment plans are available from developers?
    There are various interest-free payment plans available from developers:
    Installments until completion

    Common (Premium and mid- to mid-high-level developments): 60-90% During Construction / 40-10% on completion

    Rare cases (Premium and mid- to mid-high-level developments): 40-50% During Construction / 60-50% on completion

    Installments with post completion payments

    Common (mid and mid to mid-high level developments): 50-80% During Construction / 50-20% post completion installments in 2-5 years


    📌 Every development has its own fixed payment plan. Exact payment plans depend on the developer, development, and completion date.
    Do I pay any brokerage fees on off-plan properties?
    There is no brokerage fee when buying off-plan through an authorized agent like Armaan Capital — especially when dealing with major developers.
    What are off-plan purchase related fees?
    • Oqood Registration Fee: AED 1,050
    • DLD Registration: 4% (Of property value)
    • Service Charges: Begin post-handover
    • Connection Charges: DEWA, cooling, and other utilities at handover
    Can I sell my off-plan property before it's completed?
    Yes, with an NOC from the developer and after meeting minimum payment conditions (usually 40–60%, in some cases 100%). This kind of sale will be considered as a secondary market sale and brokerage fees will apply.
    When I sell my off-plan property will the payment plan be transferred to a new buyer?
    Yes, with an NOC from the developer and after meeting minimum payment conditions (usually 40–60%, in some cases 100%). This kind of sale will be considered as a secondary market sale and brokerage fees will apply.
    What is the first payment for off-plan properties?
    Typically, the first payment is 20%, plus 4% to the Dubai Land Department for property registration, followed by installment-based, interest-free payment plans linked to construction progress or calendar.
    What is an Escrow Account and why is it important?
    An Escrow Account is a secure, government-monitored account where off-plan payments are held and released to developers based on construction progress — ensuring buyer protection.
    What if the project is delayed or cancelled?
    RERA provides support and resolution. Buyers may be entitled to refunds, compensation, or reassignment depending on the case.
    You can file a complaint with RERA. Depending on the project status, you may:
    • ● Claim a refund
    • ● Transfer your investment
    • ● Receive compensation
    In what condition apartment getting handed over by developer?
    Once the property is completed, it is handed over ready to move in, with all finishings, built-in furniture (e.g., wardrobes, kitchen drawers), a fully finished bathroom, installed sockets, etc. In some cases, it might come with kitchen appliances, and in others, even fully furnished. Some developers offer furnishing at an additional cost. In the majority of cases, one covered parking slot is allocated to the apartment as well.
    BUYING SECONDARY MARKET PROPERTY
    What is the property buying process in Dubai?
    • 1. Select your property
    • 2. Signing a Memorandum of Understanding (MOU)
    • 3. Pay a 10% deposit
    • 4. Obtain a No Objection Certificate (NOC) from the developer
    • 5. Transfer ownership at the Dubai Land Department (DLD)
    What are the standard purchase fees?
    • ● DLD Transfer Fee: 4% of property value
    • ● Trustee Fee: AED 2,000–AED 4,000
    • ● Agency Fee: 2%
    • ● NOC Fee: AED 500–5,000
    • ● Mortgage Registration Fee (if applicable): 0.25% of the loan amount
    • ● Annual service charges (varies by community)
    Can I buy a full building for investment?
    Absolutely. Armaan Capital Real Estate specializes in:
    • Residential & Commercial towers
    • Staff accommodation buildings
    • Shopping centers, hospitals, and schools
    We offer support from valuation to lease structuring and a resale strategy.
    SELLING PROPERTY IN DUBAI
    What is the process for selling a property?
    • 1. List the property with a registered real estate agent.
    • 2. Find a buyer and agree on a price.
    • 3. Sign a Sales Agreement (Form F) and collect the buyer’s deposit.
    • 4. Obtain an NOC from the developer.
    • 5. Complete the title deed transfer at DLD.
    What are the selling costs?
    • Agency commission: 2% of the selling price
    • DLD Transfer Fee: 4% (usually paid by the buyer)
    • Mortgage settlement fees (if applicable)
    • VAT (if the property is commercial and the seller is VAT-registered)
    RENTING PROPERTY IN DUBAI
    How does the rental process work in Dubai?
    • 1. Choose a property and sign a tenancy contract.
    • 2. Pay a security deposit (5% for unfurnished, 10% for furnished).
    • 3. Issue post-dated cheques for rental payments.
    • 4. Register the contract with Ejari (mandatory for legal protection).
    What are typical rental costs?
    • ● Residential deposit: 5%–10%
    • ● Commercial deposit: 5%–10% + VAT
    • ● Agency fee: 5%–10%
    • ● Ejari registration: AED 195+
    • ● VAT: 5% (on commercial rent only)
    • ● Fit-out deposits or Approvals (for retail/warehouse)
    What is Ejari and why is it important?
    Ejari is the official registration system for tenancy contracts, managed by Dubai Land Department, that legally registers tenancy agreements, ensuring tenant and landlord rights are protected.
    Can I rent a property on a short-term basis?
    Yes, Dubai allows short-term rentals through platforms like Airbnb, but the property must be licensed by the Department of Tourism and Commerce Marketing (DTCM).
    Can I sublet my rental property?
    You can only sublet with landlord approval and Ejari registration.
    Who pays for maintenance in a rental property?
    • Minor maintenance (e.g., AC servicing, plumbing issues) is usually the tenant’s responsibility.
    • Major maintenance (e.g., structural repairs) is handled by the landlord.
    COMMERCIAL PROPERTIES BUYING & SELLING
    Can I buy commercial property in Dubai as a foreigner?
    Yes. Foreigners and UAE nationals can buy offices, retail units, warehouses, hotels, buildings, and land in designated freehold commercial zones.
    What’s involved in selling commercial property in Dubai?
    You’ll need:
    • ● Property valuation
    • ● Valid title deed
    • ● Clearance of service charges and land lease dues
    • ● NOC from the developer or free zone authority
    • ● Registered buyer
    • ● Execution at DLD or zone authority

    📌 Selling a leasehold warehouse or commercial unit requires upfront settlement of land lease dues and any unpaid VAT (if seller is VAT-registered).
    What are the fees and taxes for commercial purchases?
    • ● DLD Transfer Fee: 4%
    • ● Trustee Fee: AED 4,000
    • Agency commission: 2% of the selling price
    • VAT: 5% applicable if the property is new or unoccupied for 3+ years
    • ● Leasehold usage fees (if applicable): annual
    • ● Developer Charges: For registration, fit-out, and utility approvals
    What are the additional costs when buying leasehold commercial property?
    • Lease Registration Fee: Up to 1% of annual rent value (for long-term leasehold agreements)
    • Land Lease Renewal Fee (if applicable)
    • Annual Ground Rent: For leasehold plots, based on plot size and usage
    • Permission Fees: From the master developer or zone authority (e.g., JAFZA, DIP)

    • 📌 Leasehold properties require ongoing land lease payments and may involve transfer approvals from the free zone or municipality.
    LEASING PROPERTY IN DUBAI, COMMERCIAL RENTAL FEES (WAREHOUSES, OFFICES, ETC.)
    What types of properties can be leased through your agency?
    We lease:
    • ● Full residential or commercial buildings
    • ● Schools, hospitals, malls
    • ● Retail blocks, warehouses, offices
    Do you offer corporate leasing or bulk unit solutions?
    Yes. We work with investors, developers, and institutions to manage large-scale leasing, including:
    • ● Sourcing corporate tenants
    • ● Structuring lease terms
    • ● Managing contracts and renewals
    What are the fees when renting commercial property (e.g. warehouses, offices)?
    Commercial rentals typically involve:
    • Agency Fee: 5–10% of annual rent
    • Security Deposit: 5–10%
    • Ejari Registration: AED 195+
    • VAT: 5% on annual rent (mandatory for commercial leases)
    • Fit-out deposit or approval charges: as required by landlord or master developer

        • Other fees for leasehold commercial assets (e.g. warehouses, industrial units):
        • Annual ground rent or land usage fee
        • Developer transfer approval charges
        • Lease renewal or registration fee (usually 1% of lease value)
        • Sublease registration (free zones)
        • Municipality licensing fees
        • Civil defence approval (warehouses): for occupancy and business activity
        • Zoning/usage fees: for some industrial or logistics parks
        • Annual licensing fees (for free zones)

        Some landlords may also require key money or fit-out deposits for high-value spaces.
        📌 VAT is only charged by VAT-registered sellers or landlords. If you're a tenant or buyer, confirm the VAT status before agreeing to prices.
    MORTGAGE & FINANCE ELIGIBILITY
    Can I get a mortgage in Dubai as a non-resident?
    Yes. Both residents and non-residents can apply for property financing through UAE banks (subject to eligibility).
    Buyer Type Max Loan-to-Value (LTV)
    UAE Residents Up to 80% of property value
    Non-Residents Up to 60%
    Commercial Properties Up to 50%


    📌 Minimum salary, credit history, and bank-specific rules apply. Mortgage pre-approval is highly recommended.
    Property Taxes, VAT & Fees in Dubai
    Is there a property tax in Dubai?
    No, Dubai does not have property tax. However, there are one-time fees like the DLD transfer fee (4%) and annual service charges.
    Are there any capital gains taxes on selling property?
    No, Dubai does not impose capital gains tax on property sales.
    What is VAT in Dubai Real Estate?
    Property Type VAT Applicability
    Residential (within 3 years) 0% VAT (zero-rated)
    Residential (after 3 years) Exempt (no VAT)
    Commercial (unoccupied or new) 5% VAT applicable
    Commercial Rent 5% VAT on rent
    Warehouse & Office Leases 5% VAT
    INHERITANCE, SHARIA LAW
    What happens if I die without a will in Dubai?
    Sharia Law will apply by default:
    • ● Sons inherit double the share of daughters
    • ● Spouses, parents, and siblings inherit based on Islamic succession rules
    Non-Muslim expats can register wills at:
    • DIFC Wills Service
    • Dubai Courts Wills Registry
    This allows them to distribute assets according to personal wishes.
    Legal & Regulatory Aspects
    What are the main laws governing real estate in Dubai?
    Sharia Law will apply by default: The Dubai Land Department (DLD) and the Real Estate Regulatory Authority (RERA) regulate real estate transactions and enforce laws such as:
    • Law No. 7 of 2013 (Dubai Land Department Law)
    • Law No. 26 of 2007 (Tenancy Law)
    • Law No. 8 of 2007 (Escrow Account Law)
    What happens if there is a dispute between a landlord and tenant?
    Disputes can be resolved through the Rental Dispute Settlement Center (RDSC) under RERA.
    What happens if my developer delays handover?
    RERA allows investors to file complaints and request refunds in case of unreasonable delays.
    DLD & RERA PROCEDURES
    What is RERA?
    The Real Estate Regulatory Agency (RERA) governs all real estate activity in Dubai — ensuring legal compliance, transparency, and consumer protection.
    What is Oqood?
    Oqood is an online registration system for off-plan sales managed by DLD. It tracks ownership and legal obligations between buyer and developer.
    How can I verify a property or developer?
    Use the Dubai REST app or visit the DLD website to verify the developer’s license, project status, and escrow details.
    Didn't find your answer?
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    • admin@armaancapital.com
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