Buying a House in Installments in Dubai, a Comprehensive Guide to Buying a Cheap House in Dubai With a Mortgage

Buying a house in installments in Dubai

In recent years, buying a home in Dubai has become one of the most popular options for Iranians. A modern city with endless economic opportunities, a luxurious lifestyle, high security, and a transparent legal system has attracted many foreign investors to the emirate’s real estate market. One of the main concerns for entering this market is the high price of certain properties. However, the reality is that there are various ways to buy affordable homes in Dubai—especially if buyers are familiar with different neighborhoods and upcoming development projects.

For complete guidance on obtaining a mortgage and purchasing property in installments in Dubai, contact our professional consultants at AKT Real Estate.

On the other hand, for those who don’t have sufficient initial capital, the possibility of purchasing a property through installment plans has become available. Many reputable developers in the UAE offer flexible payment plans, allowing buyers to become homeowners without needing to pay the full amount upfront. Additionally, some banks and financial institutions in the UAE offer mortgage loans to foreign nationals, including Iranians, making it even easier to buy property in Dubai through financing.

In this article, we will comprehensively and practically explore the three main ways to enter Dubai’s real estate market: buying affordable homes, purchasing through installment plans, and obtaining a mortgage. If you’re looking for a budget-friendly property in Dubai or aiming to gain residency through smart investment while benefiting from the city’s real estate growth, stay with us. This guide will help you make one of the most important financial decisions of your life with full confidence and clarity.

Why Is Dubai an Ideal Destination for Buying Property?

Dubai is one of the most advanced and dynamic cities in the Middle East and the world. In recent years, it has become a highly attractive destination for investors and property buyers from across the globe. With world-class infrastructure, a modern transportation system, iconic architectural projects, and a growing economic outlook, the city offers a safe and vibrant environment for both living and investing. But what makes buying a home in Dubai a smart decision? Let’s explore the main reasons.

A Stable and Growing Real Estate Market

Over the past two decades, Dubai’s real estate market has experienced significant growth and continues to expand. Despite global economic fluctuations, Dubai has maintained relative stability thanks to proactive government policies. Today, it stands as one of the most secure property markets in the region. Buying an affordable home in Dubai can be a great entry point into this growing market.

Diverse Investment Opportunities

Dubai offers a wide range of property options for all types of investors—from luxurious residences in iconic skyscrapers to affordable homes in areas like Jumeirah Village Circle (JVC), International City, and Dubai South. In addition, the availability of installment plans and mortgage options has opened the door for middle-income buyers to enter the market more easily.

Residency Through Property Ownership

One of the most appealing benefits of buying a home in Dubai is the opportunity to obtain UAE residency. Currently, a property purchase worth AED 750,000 or more qualifies the buyer for a 2-year residency visa. If the property is valued at AED 2 million or more, the buyer becomes eligible for a Golden Visa with a 10-year residency. This has encouraged many international buyers—especially Iranians—to invest in Dubai real estate.

World-Class Urban Infrastructure

As one of the most modern cities in the world, Dubai offers exceptional urban infrastructure. From the metro system and international schools to high-end hospitals, shopping malls, and entertainment hubs, the city is designed for comfort and convenience. These features make Dubai an ideal choice for families, young couples, and even retirees seeking a high-quality lifestyle.

High Safety and Multicultural Living

Dubai ranks among the safest cities in the world, with extremely low crime rates. Additionally, it is home to a diverse, international population, creating a unique cultural blend. This multicultural environment enhances the overall quality of life and makes the city attractive to expatriates from around the globe.

Zero Tax on Personal Income and Capital Gains

One of the most compelling reasons to invest in the UAE is the absence of personal income tax and capital gains tax. This means if you buy a property in Dubai and choose to rent it out or sell it later at a higher price, you won’t be subject to taxation. This tax-free structure makes Dubai a true haven for global investors.

Buying Affordable Homes in Dubai

What Does an “Affordable Home” Mean in Dubai?

Understanding the concept of an “affordable home” in a city like Dubai—which is globally known for its luxury real estate—is essential. Contrary to popular belief, Dubai is not just about high-end skyscrapers and lavish villas. The city offers a wide range of properties for different budgets, including budget-friendly homes located in lesser-known yet fast-growing areas.

In Dubai, any property priced under AED 750,000 is generally categorized as an affordable or budget property. Of course, the actual price of an affordable home depends on several factors, such as location, size, year of construction, developer, and available amenities. For instance, a brand-new studio apartment in International City may be priced around AED 350,000 to 450,000, whereas a similar unit in Downtown Dubai could cost over AED 1 million.

Best Areas to Buy Affordable Homes in Dubai

Dubai offers several neighborhoods that are ideal for buyers with limited budgets. Here are some of the top areas to consider:

a) International City

One of the most economical areas in Dubai, offering a variety of ready-to-move-in and studio units.

  • Studio price range: AED 350,000 – 450,000

  • Facilities: Retail outlets, bus access, close to Dragon Mart

  • Ideal for: Rental investment

b) Jumeirah Village Circle (JVC)

A family-friendly, rapidly developing area with reasonable prices compared to the amenities offered.

  • 1-bedroom apartment: AED 550,000 – 750,000

  • Facilities: Parks, schools, gyms, swimming pools

  • Highlights: Wide range of new projects with installment payment plans

c) Dubai South

Located near Al Maktoum International Airport and a promising area, especially with projects like Expo City.

  • Studio price: From AED 380,000

  • Ideal for: Long-term investors and buyers interested in installment plans

  • Highlight: 5-year post-handover payment plans with zero interest

d) Al Warsan, Liwan, and Town Square

These areas also offer attractive affordable housing options developed by well-known developers.

💡 Note: Assuming an exchange rate of AED 14,000 per dirham, a property worth AED 400,000 would be around 5.6 billion Iranian rials (approx. 5.6 billion Toman).

Pros and Cons of Buying Affordable Homes in Dubai

✅ Advantages:

  • Lower initial cost: Entering the Dubai property market with a smaller investment

  • Price growth potential: Many of these areas are developing, offering future capital appreciation

  • Good rental yield: Affordable homes often generate high rental returns

❌ Disadvantages:

  • Farther from the city center: Most affordable homes are located on the outskirts of Dubai

  • Mid-level amenities: Compared to luxury communities, facilities may be more basic

  • Lower resale demand: Reselling might take longer in some locations

Despite these disadvantages, if your goal is long-term investment, obtaining UAE residency, or starting a new life in Dubai on a modest budget, these options can be very suitable.

Key Legal Considerations When Buying Affordable Homes in Dubai

a) Can Foreigners Buy Property in Dubai?

Yes. Since 2002, Dubai has allowed foreigners to have full ownership of properties in designated Freehold areas. Most of the areas mentioned earlier for buying affordable homes fall under these Freehold zones. This means international buyers—including Iranians—can legally own property in their name with full rights of sale, lease, and inheritance.

b) Residency Through Purchasing Affordable Homes

Under current regulations, if the property purchased is valued at AED 750,000 or more, the buyer becomes eligible to apply for a 2-year renewable UAE residency visa.
However, if the property is priced below that threshold, residency is not granted by default. Buyers can still qualify by increasing their investment or purchasing an additional property to reach the minimum required value.

c) Additional Costs When Buying Property

When buying a home in Dubai, it’s essential to account for the following additional costs:

  • 4% of the purchase price as a registration fee payable to the Dubai Land Department (DLD)

  • Title deed issuance fee: Approximately AED 5,000 to AED 7,000

  • Agent commission: Typically 2% of the property value

These are standard charges and must be factored into your overall budget.

d) Verifying Project Legitimacy and Developer Credentials

When buying an affordable home—especially in off-plan (under-construction) projects—it’s crucial to verify the credibility of both the project and the developer. Some low-cost developments may be managed by inexperienced or unlicensed builders. Always work with a licensed real estate agent with a valid RERA ID, and confirm that the project is registered with the Dubai Land Department.

Is It Possible to Buy Affordable Homes on Installments?

Yes, absolutely. Many budget-friendly homes in Dubai—particularly those in under-construction projects—are available through developer-backed installment plans. Some projects allow buyers to reserve a unit with as little as 10% down payment, with the remaining balance payable over 3 to 5 years, often with zero interest.

We will explore these plans in detail in the upcoming section of the article, dedicated to buying property in Dubai through installment payments.

Final Thoughts on Affordable Property Purchases

Buying an affordable home in Dubai is a realistic and smart pathway for individuals who aim to invest or relocate to the UAE but prefer to do so on a moderate budget. By carefully selecting the right area, verifying the project’s authenticity, and seeking advice from experienced professionals, you can purchase a budget-friendly, secure, and potentially high-yielding property in one of the most promising real estate markets in the world.

Buying a Home in Dubai Through Installments

In today’s fast-paced world, many people are looking for ways to enter the real estate market without putting themselves under financial pressure. Fortunately, Dubai offers a wide range of opportunities for buying property through installment plans. Whether you are a resident of the UAE or planning to invest from abroad—such as from Iran—there are flexible long-term payment options available that don’t require bank financing.

In this section, we’ll walk you through the installment-based property purchase process in Dubai, step by step.

How Does Installment-Based Property Buying Work in Dubai?

There are generally two main methods for buying a home in Dubai through installments:

Direct Installments with the Developer (Developer Payment Plan)

In this method, you purchase a property—either ready or off-plan (under construction)—and pay for it in monthly or scheduled installments directly to the developer. Most of these plans do not require a bank mortgage and come with flexible and simplified payment terms.

This is the most popular and accessible approach to installment-based home buying in Dubai, especially for non-residents and foreign investors.

Mortgage Payments via Bank Financing

This method, which we will cover in detail in the next section, involves obtaining a home loan from a bank. The buyer repays the loan in monthly installments to the bank over an agreed-upon period.

In this part of the article, our focus is solely on developer-backed installment plans, as they are easier to access and don’t involve bank interest or credit checks—making them an excellent option for first-time buyers and international investors alike.

Step-by-Step Process for Buying Property on Installments in Dubai

Here is a simple breakdown of the installment purchase process:

Choose the Right Project

Start by selecting a development that matches your budget and offers a flexible installment plan. Well-known developers in Dubai offering such plans include Danube, Samana, Tiger, Sobha, Azizi, and Damac.

Review the Payment Plan

Each project has its own unique payment structure. Common examples include:

  • 10% on booking

  • 40% during construction

  • 50% post-handover over 3 years

Or alternatively:

  • 20% at contract signing

  • 80% over 5 years after handover (interest-free)

Sign the Sales Agreement (SPA)

Once you’ve selected a unit, you’ll sign a Sales Purchase Agreement (SPA) with the developer. At this stage, you’ll need to submit your identification documents such as:

  • Passport

  • National ID

  • UAE visa (if applicable)

Pay Installments and Receive the Property

Your payments will follow the agreed schedule. Once all installments are completed—or in the case of a post-handover plan, after the required handover payment—you’ll receive the title deed in your name. If the property is ready, you may be able to take possession immediately and rent it out.

Popular Installment-Based Property Projects in Dubai (2025)

Here are some of the top real estate projects in Dubai offering attractive installment plans for 2025:

Project Name Developer Location Starting Price (AED) Down Payment Installment Period Construction Status
Skyz Danube Arjan From 550,000 10% 6 years Under construction
Samana Waves Samana JVC (Jumeirah Village Circle) From 650,000 15% 5 years Ready to hand over
Tiger Cloud Tiger Dubai Silicon Oasis From 590,000 10% 7 years Under construction
Azizi Riviera Azizi Meydan From 750,000 20% 3 years post-handover Ready to hand over
Sobha One Sobha MBR City From 900,000 10% 5 years Under construction

💡 Note: Prices and payment terms are subject to change. It is highly recommended to work with a certified real estate agent registered with RERA.

Installment Purchase vs. Mortgage Financing

In installment-based buying, you sign a contract directly with the developer, without needing credit checks or financial documentation. Typically, no interest is charged, or it’s very minimal.

In contrast, purchasing with a mortgage requires:

  • Full financial assessment

  • Employment verification

  • Credit scoring

  • And usually involves bank interest rates between 3% and 6%

Quick Comparison Table

Feature Installment Plan Mortgage Financing
Credit Check Not required Required
Down Payment Usually lower 20–25%
Interest Rate Zero or very low Around 3% to 6%
Process Speed Fast Time-consuming
Best Suited For Foreign buyers Residents with stable income

Key Tips for Buying Property on Installments

  • Choose reputable developers: Always check the developer’s history, make sure they are RERA-licensed, and read the full contract carefully.

  • Understand the payment timeline: Any construction delay may affect your expected handover date. Clarify milestones in advance.

  • Know post-handover obligations: If a significant portion is due after handover, ensure you have the financial capacity to continue payments.

  • Evaluate the location’s potential: Research the area’s development plans, infrastructure, and future growth to maximize your investment.

Buying a home on installments in Dubai is an excellent option for those who lack the full capital for an upfront purchase but still want to take advantage of the booming real estate market. Thanks to a wide range of flexible payment plans, no requirement for bank loans, and simple legal processes, this method has become especially popular among Iranian investors.
By choosing the right project, working with a licensed agent, and clearly understanding the payment terms, you can secure a property in one of the most desirable cities in the world—without unnecessary stress or risk.

Section Four: Buying Property in Dubai with a Mortgage

For many people, owning a home in Dubai is either a dream or a serious investment goal. However, the full upfront payment for a property can often be beyond reach. Fortunately, there are a variety of solutions for buying property in Dubai through mortgage loans, making homeownership more accessible and manageable.

Banks and financial institutions in the UAE offer a wide range of mortgage plans for both residents and foreign nationals. In this section, we’ll provide a comprehensive guide on how to obtain a mortgage in Dubai, including eligibility criteria for Iranians, benefits and drawbacks, the application process, and legal considerations.

What Is a Mortgage Loan in the UAE?

A mortgage loan is a financing facility provided by banks to property buyers to help them purchase a home. In this arrangement, the buyer pays a portion of the total price upfront (typically 20% to 25%), and the bank covers the remaining amount, which is then repaid by the buyer in monthly installments.

The bank holds the property title as collateral until the loan is fully repaid. Once the mortgage is settled, full ownership is transferred to the buyer.

Mortgage Eligibility for Foreign Nationals and Iranians in Dubai

Foreign nationals—including Iranians—can apply for a home loan in the UAE, but they must meet certain financial and general eligibility requirements. These include:

a) General Conditions:

  • Applicant age: Between 21 and 65 years (by the time of full loan repayment)

  • Valid passport (Iranian passport is accepted; no need for permanent UAE residency)

  • Minimum monthly income: Typically between AED 10,000 to AED 15,000 depending on the bank

b) Residency Status:

  • Iranian residents in the UAE (with work or business visas) have easier access to mortgage approval

  • Non-resident Iranians may still qualify through certain banks such as Mashreq Bank, First Abu Dhabi Bank (FAB), or Emirates NBD, provided they submit valid financial documentation from Iran

c) Credit Assessment:

  • Banks will evaluate financial history, bank statements, salary slips, or proof of business income

  • For non-residents, some banks may require a guarantor or collateral in place of local credit history

Advantages of Buying Property in Dubai with a Mortgage

✅ Enter the Real Estate Market with Less Capital

You only need to pay 20% to 30% of the property’s value upfront. The bank covers the remaining amount.

✅ Legal Ownership

Once the mortgage agreement is signed, the property title is registered in your name, even though you’re still paying installments.

✅ Build a Credit History

Having a mortgage in Dubai helps you build a financial credit profile, which can make it easier to obtain other loans or financing in the future.

✅ Wide Choice of Banks and Competitive Interest Rates

Different banks offer various interest rates, typically between 3% and 6%. Some plans offer fixed rates for the first one or two years, which then become variable.

Steps to Obtain a Mortgage in Dubai

Get Pre-Approval from the Bank

Before searching for a property, apply for a pre-approval letter from your preferred bank. This letter confirms the maximum loan amount you’re eligible for.

Choose Your Property

Once you have pre-approval, select a suitable property and sign the Memorandum of Understanding (MOU) with the seller or developer.

Submit All Required Documents

The typical documents required include:

  • Valid passport and national ID

  • UAE residency visa (if applicable)

  • Salary certificate or employment letter

  • Bank statements from the past 3 to 6 months

  • Credit report (if requested)

Property Valuation by the Bank

The bank will carry out a property valuation, usually at a cost of AED 2,500 to AED 3,500, to ensure the property’s market value aligns with the requested loan amount.

Sign the Final Mortgage Agreement

A formal loan agreement is signed between you and the bank. The bank then transfers the loan amount to the seller’s account.

Title Deed Transfer

Finally, the property is registered in your name at the Dubai Land Department (DLD), and the bank is listed as the mortgage provider until the full loan amount is repaid.

Loan Amounts and Repayment Terms

  • Maximum Loan for Foreign Nationals: Up to 80% of the property value

  • Repayment Period: Between 5 to 25 years

  • Interest Rate: Between 3% to 6% per year (fixed or variable)

  • Minimum Loan Amount: Usually starts from AED 250,000, depending on the bank

Additional Costs of Getting a Mortgage

Applying for a mortgage in Dubai comes with some additional expenses, which should be included in your financial planning:

Cost Type Estimated Amount
Property Valuation AED 2,500 to AED 3,500
Mortgage Registration (DLD) 0.25% of the loan amount
Bank Processing Fee 1% of the loan amount (in some banks)
Life & Property Insurance Varies depending on the loan and bank policy

Mortgage vs. Developer Installment Plan

Feature Mortgage Financing Developer Installment Plan
Requires Bank Approval Yes No
Interest Rate Yes (3% to 6%) Usually zero or very low
Installment Duration Up to 25 years Up to 7 years
Title Deed Transfer Immediately after purchase After full payment
Best For Buyers with stable income Buyers without UAE credit history

Banks Offering Mortgages to Iranians (2025)

Some banks that have previously granted home loans to Iranian nationals include:

  • Mashreq Bank

  • First Abu Dhabi Bank (FAB)

  • Emirates NBD

  • HSBC Middle East

  • RAKBANK

💡 Tip: Working with a licensed mortgage advisor or a trusted real estate agency will help you compare loan options and choose the most suitable offer.
AKT Real Estate, one of the top agencies in Dubai, can guide you professionally through this process.

Important Notes for Iranian Mortgage Applicants

  • If you are not a UAE resident, make sure to prepare valid financial documents from Iran—such as salary slips, business licenses, or bank statements—translated into English.

  • Having an initial down payment is essential. Even with a loan, you’ll still need to pay at least 20% of the property’s value in cash.

  • Some banks may impose restrictions based on nationality. Always consult with a financial or legal expert before starting the application.

Buying a home in Dubai through a mortgage is a practical and widely-used option, especially among professionals and long-term residents. Iranians who have a clear financial plan and a limited budget can use this method to access one of the most dynamic real estate markets in the world.

With the right guidance, proper documentation, a trusted bank, and a high-potential property, you can make a secure and profitable long-term investment in one of the world’s most vibrant cities.

Comparing the Three Main Methods of Buying Property in Dubai: Affordable, Installment, and Mortgage

After analyzing the Dubai real estate market and considering the needs and budgets of Iranian buyers, three main approaches emerge for purchasing property in the city:

  1. Buying affordable homes in Dubai

  2. Buying property through installment plans

  3. Buying a home with a mortgage

Each method has its own characteristics, advantages, and limitations. In this section, we compare all three to help you make a more informed decision based on your personal situation.

Initial Capital Required

Purchase Method Required Initial Capital
Affordable Purchase AED 300,000 to 700,000 (cash)
Installment Plan 5% to 20% down payment
Mortgage Financing 20% to 30% down payment

If you have limited capital but want to enter the market directly, installment plans offer more flexibility, as they don’t require full upfront payment.

Legal and Administrative Process

  • Affordable Purchase: Usually the fastest and simplest, since most units are ready-to-move-in and paid in cash.

  • Installment Plan: Depends on the developer’s conditions; contract is signed directly with the developer.

  • Mortgage: The most complex process, requiring property valuation, financial checks, documentation, and registration with the Dubai Land Department (DLD).

Conclusion: For the fastest and least complicated process, buying an affordable home with cash is your best bet.

Profitability and Capital Growth

  • Affordable Homes: High potential for value appreciation, especially in developing areas like JVC or Dubai South.

  • Installments: Properties under construction may increase in value before handover, providing good returns.

  • Mortgage: Final profit depends on interest rates and loan duration, but often used for purchasing high-end properties.

For long-term investors, a smart combination of affordable and installment-based purchases can yield higher returns.

Title Deed and Ownership

Purchase Method Timing of Title Deed Issuance
Cash Purchase Immediately after full payment
Installment Plan Usually after all payments or project completion
Mortgage Financing Deed issued immediately, but held by the bank as collateral until the loan is paid off

If your goal is to obtain a UAE residency visa through property ownership, cash or mortgage purchases are ideal for faster title issuance.

Financial and Legal Complexity

  • Affordable Purchase: Requires careful evaluation of property quality, location, and market demand.

  • Installments: Close attention must be paid to payment schedules, penalty clauses, and handover conditions.

  • Mortgage: Involves more complex paperwork, additional costs, and a structured financial plan—best for buyers with stable income and good documentation.

Best Method Based on Buyer Profile

Buyer Situation Recommended Method
Limited budget, no UAE credit history Installment Plan
Sufficient capital for upfront purchase Affordable Property (Cash Purchase)
Stable income, UAE credit history, or residency Mortgage Financing
Goal: Obtain UAE residency at lowest cost Property worth AED 750,000+, preferably cash or mortgage

Final Word

Each of the three buying methods in Dubai has its pros and cons. Choosing the right one depends on your financial situation, investment goals, and residency plans.

  • If you’re looking for the quickest and lowest-risk path to homeownership, an affordable cash purchase in an economic area is recommended.

  • If your budget is limited and your income is not fixed but you can commit to future payments, an installment plan is the most accessible option.

  • If you have a steady income, local credit history, and UAE residency, mortgage financing gives you access to premium properties and professional-level investment opportunities.

How to Find Affordable, Installment-Based, or Mortgage-Eligible Properties in Dubai

For many buyers—especially those living outside the UAE—finding the right property in Dubai can be a significant challenge. With a wide variety of projects, different payment plans, and the unique legal framework of the UAE, the property buying process can feel overwhelming without proper planning and research.

In this section, we’ll guide you through the key steps to safely, efficiently, and strategically find properties that suit your needs—whether you’re looking for an affordable home, a property with installment options, or one that qualifies for mortgage financing.

Define Your Budget and Purpose

The first step in finding the right property is identifying your goal. Are you buying for personal use or as an investment? Do you have limited capital or are you planning to use a mortgage to access more luxurious options?

Once your goal is clear, determine a realistic budget range. For example:

  • If your budget is under AED 750,000, focus on affordable homes in economic areas.

  • If your initial capital is below AED 150,000, consider installment-based projects with low down payments.

  • If you have a stable income and valid employment documents, exploring mortgage options is ideal.

 Use Trusted Real Estate Platforms

Several reliable real estate websites in Dubai provide up-to-date listings for ready and off-plan projects, pricing, and payment plans:

These platforms allow you to filter results by price, area, size, payment type (cash, installment, mortgage), and project status (ready or under construction) for more targeted searches.

 Consult a RERA-Certified Real Estate Agent

Due to the specific laws in the UAE, it’s essential to work with licensed real estate agents who are registered with RERA (Real Estate Regulatory Agency). They have access to verified projects, understand the legal aspects, and can recommend properties that align with your financial situation.

💡 Tip: If you’re an overseas buyer, partnering with a Farsi-speaking agent familiar with Dubai’s market is a major advantage.

✅ Before making any payments, verify the agent’s RERA ID on the official Dubai Land Department website.

Attend Property Exhibitions and Site Visits

If you’re in Dubai or planning a visit, attending property shows like Cityscape Dubai or Dubai Property Show can be very helpful. Developers often offer exclusive discounts and special installment plans during these events. You can also physically inspect the projects and speak directly with developers.

Evaluate Project Payment Terms and Documents

When selecting a property, pay close attention to these key factors:

  • Is the project ready or under construction? (Ready projects are delivered faster.)

  • What is the payment structure? (Down payment, duration of installments, interest or no interest)

  • Is the property eligible for mortgage financing?

  • Does the property’s value meet the UAE residency requirement (minimum AED 750,000)?

Finding the right property in Dubai requires planning, research, and using trustworthy sources. Whether you’re looking to buy an affordable home, purchase on installments, or finance with a mortgage, start by clarifying your goals and budget. Then, leverage official platforms, certified agents, and site visits to identify the best opportunity.

With a smart, well-informed decision, you can take a major step toward owning a home in one of the world’s most modern and secure cities.

Conclusion & Frequently Asked Questions (FAQs)

Dubai’s real estate market offers unmatched variety and unique opportunities for both local and international buyers. From affordable homes in emerging districts to luxury projects with flexible installment plans or mortgage financing, anyone with any budget can participate in this dynamic market.

In this article, we explored three main paths to buying property in Dubai:

  1. Buying affordable homes in Dubai

  2. Buying property through installment plans

  3. Buying property with a mortgage

Each of these options is suitable for a different buyer profile, but they all share one thing in common: with the right planning, they can turn the dream of owning a home in one of the world’s most modern cities into a reality.

If you’re still unsure about which method is right for you or have specific questions in mind, here are the answers to some of the most common queries:

Frequently Asked Questions

1. Can Iranians buy property in Dubai?

Yes. Iranians, like all foreign nationals, are allowed to purchase property in Freehold areas of Dubai. These properties come with 100% ownership rights, including inheritance.

2. Can I get a UAE residency visa by buying an affordable home?

Yes, if the value of the property is AED 750,000 or more, you are eligible for a 2-year renewable UAE residency visa. If you buy a property worth AED 2 million or more, you may qualify for a 10-year Golden Visa.

3. Do I need UAE residency to buy a home through installments?

No. Many installment-based projects in Dubai do not require UAE residency. You can purchase with just a valid Iranian passport. However, official identification documents must be provided during the process.

4. Is it better to buy with installments or a mortgage?

Each option has its pros and cons:

  • Installment Plan: Ideal for buyers who prefer to avoid banking procedures and interest. It’s simpler and faster.

  • Mortgage: Suitable for those with steady income and UAE residency who want to enter the market with a small down payment.

👉 If you’re looking for the easiest route, installment plans with developers are highly recommended.

5. What documents are needed to apply for a mortgage in Dubai?

Here’s a list of commonly required documents:

  • Valid passport

  • UAE residency visa (if applicable)

  • Salary certificate or business license

  • Bank statements (last 3 to 6 months)

  • Employment or income verification letter

  • Preliminary property sales agreement

Note: If you are not a resident, some banks accept international financial documents or require a guarantor.

6. Can I rent out or resell my property in Dubai?

Yes. Once the title deed is transferred to your name, you have full rights to rent out or resell the property. Dubai has an active rental market—especially for smaller, more affordable units—with annual yields of 6% to 10%.

7. How can I buy property in Dubai from Iran?

With the help of a Farsi-speaking and RERA-certified real estate agent, you can complete the purchase process remotely. You can select a property, sign the contract, and pay in installments without being physically present. All documents can be securely handled via email and official Dubai government platforms.

Although Dubai’s real estate market may seem luxurious and out of reach at first glance, the reality is far more accessible. Thanks to a wide range of projects, flexible payment plans, and mortgage options, Iranians can easily enter the market.

Whether you want to buy an affordable home, explore installment-based opportunities, or invest through mortgage financing, all you need is a clear goal, a realistic budget, and the right guidance.

With smart planning and expert advice, owning a home in Dubai is not just possible—it could be one of the best financial decisions you ever make.

No data was found

Lastest Secondary Listed

You can see the latest Secondary properties listed on AKT

Creek GateCREEK GATE TOWER2/4 BEDROOM/LAGOON VIEW/HIGH FLOOR

  • Beds: 4
  • Baths: 4
  • 2276
  • Aoartment

Meydan OneFURNISHED/RENTED/INVESTOR DEAL/PRIME LOCATION

  • Bed: 0
  • Bath: 1
  • 341.97
  • Aoartment

District OneLUXURY VILLA/PRIME LOCATION/ GENUINE RESALE

  • Beds: 4
  • Baths: 6
  • 6624
  • Villa

District 1DEXCLUSIVE/FULLY UPGRADED/KITCHEN EQUIPPED/VACANT

  • Beds: 2
  • Baths: 3
  • 7109
  • Villa

Join The Discussion

Compare listings

Compare
UnknownIran