# How to Buy Property in Dubai (2026) β€” Step-by-Step for Foreigners | WIZI PREMIUM > How to buy property in Dubai in 2026: the 6 steps, DLD fees (4%), MoU/Form F, NOC, title deed, total up to ~7% costs, remote option. Plain-English guide. > Canonical (HTML): https://wizipremium.com/guides/how-to-buy-property-dubai.html > Markdown twin generated from the live page content. Date: 2026-08-23 --- Dubai Β· Guides Β· How to buy # How to buy property in Dubai A plain-English walkthrough of buying in Dubai in 2026 β€” the steps, the fees, the paperwork and how to do it remotely. By area πŸ›‘ RERA-licensed ✈️ Remote deal Β· 2–3 weeks ⏱ Reply within 1 hour Updated 18 July 2026 Β· By [WIZI Advisory Team](https://wizipremium.com/about.html) Β· RERA ORN 60234 Quick answer ## The 6 steps, fees and timeline Buying in Dubai is fast and open to foreigners of any nationality, in freehold zones , with no residency required and no annual property tax. The flow is six steps: 1) choose the property, 2) verify the title deed and service-charge history (DLD / Mollak), 3) sign the MoU (Form F) and pay a ~10% deposit, 4) the seller obtains the developer NOC , 5) transfer at the DLD and pay the 4% transfer fee , 6) receive the title deed in your name. Budget up to ~7% of the price for total costs (DLD 4%, agency ~2%+VAT, trustee, NOC, title). Ready homes complete in ~2–8 weeks; the whole thing can be done remotely by power of attorney. 2026 market ranges for guidance. 1 USD β‰ˆ AED 3.67. Sources: Property Finder, Bayut, DLD. This guide covers ready (resale) property. Buying [off-plan from a developer](https://wizipremium.com/buy/off-plan-dubai.html) is simpler: you reserve a unit, pay a booking deposit (usually ~10–20%) and follow the developer’s payment plan β€” no NOC or MoU, and the developer handles DLD registration. By area Β· 2026 ## Where buyers start (entry prices) The most active freehold areas and their entry prices. | Area | Entry price | Gross yield | |---|---|---| | Dubai Marina | from ~AED 720k | 5.5–7.2% | | Business Bay | from ~AED 690k | 5.5–7% | | JVC | from ~AED 500k | 7–9% | | Downtown Dubai | from ~AED 850k | 5–6% | | Dubai Hills | from ~AED 940k | ~6% | | Dubai South | from ~AED 450k | 7.5–9.5% | [Can foreigners buy β†’](https://wizipremium.com/can-foreigners-buy-property-dubai.html) [Buying remotely β†’](https://wizipremium.com/guides/buying-property-remotely-dubai.html) [Dubai property prices β†’](https://wizipremium.com/buy/dubai-property-prices.html) [Mortgage (non-residents) β†’](https://wizipremium.com/dubai-mortgage-non-residents.html) [Golden Visa β†’](https://wizipremium.com/invest/golden-visa.html) Worth knowing ## Costs & what to know ### In favour - Open to all nationalities in freehold zones - No residency required to buy - No annual property tax, no income tax - Can be completed remotely by POA - Ready homes close in ~2–8 weeks ### Worth knowing - Total costs up to ~7% on top of price - DLD transfer fee is 4% of price - 10% deposit at MoU stage - Developer NOC fee AED 500–5,000 Payment & financing ## How you actually pay β€” cheques, fees, mortgages On a resale, the 10% deposit is a manager’s cheque in the seller’s name, written when you sign Form F (MOU) β€” the RERA broker holds it uncashed until transfer. Budget the fixed costs on top: developer NOC AED 500–5,000, trustee office AED 4,000 + VAT (less below AED 500k), optional conveyancing AED 5,000–15,000 β€” all in, roughly 7–10% above the price. Mortgages: UAE-resident expats can borrow up to 80% LTV under AED 5M (70% above; 50% for off-plan). Non-residents get 50–65% in practice from ENBD, Mashreq, FAB, HSBC or DIB, at roughly 4–4.5%+ (July 2026); banks want passport, 3–6 months of statements and proof of income. We pre-match the bank before you commit a deposit. Paying with crypto instead? See our [USDT/BTC route guide](https://wizipremium.com/guides/buy-property-dubai-with-crypto.html). Calculator ## Estimate your return Currency AED 500k AED 6M Gross estimate from typical yields; net is lower after service charges (AED 12–25/sq.ft). Monthly rent β€” Annual income β€” Gross yield β€” Payback β€” Free shortlist ## Want this matched to your budget ? Tell us your budget and goal β€” a RERA-licensed advisor sends a tailored shortlist with real prices and payment plans, free, within the hour. No obligation. Buyer FAQ ## Common questions **How do I buy property in Dubai step by step?** Six steps: choose the property; verify the title deed and service charges; sign the MoU (Form F) with a ~10% deposit; the seller gets the developer NOC; transfer at the DLD paying the 4% fee; receive the title deed in your name. **How much are the fees to buy property in Dubai?** Budget up to about 7% of the price: DLD transfer fee 4%, agency ~2% + VAT, trustee fee AED 2,100–4,200, title deed AED 580, and developer NOC AED 500–5,000. **Can I buy property in Dubai remotely?** Yes β€” by granting a notarised, attested power of attorney to someone you trust β€” a relative or lawyer (our conveyancer can assist if you have no one), the whole purchase including DLD registration can be done without flying in. **How long does it take to buy in Dubai?** For ready property, roughly 2–8 weeks from signed MoU to title deed, depending on whether a mortgage is involved. **Is there property tax in Dubai?** No β€” there is no annual property tax, no income tax and no capital gains tax. The main cost is the one-time 4% DLD transfer fee. **How do I pay the deposit when buying in Dubai?** On resale deals the 10% deposit is a manager’s cheque in the seller’s name, handed over at Form F (MOU) signing; the RERA broker holds it uncashed until the DLD transfer. Fixed fees on top: developer NOC AED 500–5,000, trustee office AED 4,000 + VAT, optional conveyancing AED 5,000–15,000. **Can a non-resident get a Dubai mortgage?** Yes β€” ENBD, Mashreq, FAB, HSBC and DIB lend to non-residents at 50–65% LTV in practice (residents: up to 80% under AED 5M), at roughly 4–4.5%+ in July 2026, against passport, bank statements and proof of income. Get started ## Get a hand-picked shortlist and a step-by-step plan Leave your details β€” we'll send a hand-picked shortlist with a yield breakdown. Free; we reply within an hour. Interested in How to buy? We’ll send a shortlist to your budget [+971 50 463 9869](https://wizipremium.com/guides/tel:+971504639869)