Know the true cost, before you fall in love
Your budget, your monthly payment, and every fee — disclosed before you commit.
What does your budget command?
AED 2M – 5M: what your budget commands
- 3–4 bed townhouses and starter villas
- Premium apartments on the water
- 10-year Golden Visa eligibility
Where to look: Dubai Hills Estate, Arabian Ranches, Downtown Dubai, Marina waterfront.
From AED 2M your purchase can carry 10-year residency for your family — we structure it correctly from the start. The trade-off to weigh here is community maturity versus newer masterplans; we’ll lay both out plainly.
Model your monthly payment
The true cost of buying
| Fee | How it is calculated | On AED 2,000,000 |
|---|---|---|
| DLD transfer fee | 4% of purchase price + AED 580 admin | AED 80,580 |
| Registration trustee office | AED 2,100 – 4,200 (by price band) | AED 4,200 |
| Agency commission | 2% + 5% VAT on the commission | AED 42,000 |
| Mortgage registration (if financed) | 0.25% of loan + AED 290 | AED 4,290 |
| Bank valuation (if financed) | AED 2,500 – 3,500 typically | AED 3,000 |
| Indicative total | ≈ 6.7% financed · ≈ 6.3% cash | ≈ AED 134,070 |
Financing rules, plainly
First home under AED 5M
Expat buyers can finance up to 80% of a ready property — a 20% down payment plus fees is the realistic cash requirement.
Above AED 5M
The financing cap drops to 70%. Counter-intuitively, more expensive homes need proportionally more of your own equity.
Off-plan purchases
Bank financing is capped at 50% — developer payment plans usually do the heavy lifting instead, which is why we model them against your cash flow first.
Second properties
Financing caps tighten for subsequent purchases. Portfolio buyers should plan structure before falling for a specific asset.
The Golden Visa, simplified
Qualify from AED 2M
Eligible property can secure 10-year UAE residency for you and your family.
We curate & verify
We shortlist qualifying homes and confirm eligibility before you commit.
End-to-end paperwork
From application to approval, managed discreetly.
Finance questions, answered straight
How much deposit do I need to buy property in Dubai?
For a ready home under AED 5M, expat buyers typically need a 20% down payment, plus roughly 7–8% in closing costs (DLD transfer, agency, and mortgage fees). Budget around 27–28% of the price in available cash.
Can foreigners get a mortgage in the UAE?
Yes. Non-resident and resident expats can obtain UAE mortgages, financing up to 80% of a first ready home under AED 5M (70% above). Banks assess income, existing liabilities and the property itself; rates are commonly fixed for an initial period.
What are the closing costs when buying in Dubai?
Expect about 7–8% on top of the price: 4% DLD transfer fee plus AED 580 admin, AED 2,100–4,200 trustee registration, 2% agency commission plus VAT, and — if financed — 0.25% mortgage registration and a bank valuation of roughly AED 3,000.
Does buying property qualify me for a UAE Golden Visa?
Property worth AED 2M or more can qualify you for a 10-year renewable Golden Visa covering your spouse and children. Financed purchases can qualify with the appropriate bank documentation. VELLMONT structures the purchase and manages the application end to end.
Is it better to rent or buy in Dubai?
As a rule of thumb, buying wins when you will stay 3+ years and your monthly payment at 20% down is comparable to rent — common in many communities. Renting wins for shorter horizons or when testing a community. We will happily run your numbers both ways and tell you honestly.
Figures on this page are indicative guidance, not financial advice — caps, fees and visa rules change. Your advisor will confirm the current numbers for your exact situation before you commit to anything.