Buying your first property in Dubai can be exciting — but also overwhelming if you’re unfamiliar with the process. Whether you’re purchasing for personal use or investment, understanding the steps will help you make informed and confident decisions.

1. Define Your Budget

Factor in not just the property price but also additional costs like DLD fees (4%), agency commission (2%), maintenance fees, and furnishing.

2. Choose the Right Location

Consider your lifestyle and goals:

• Downtown Dubai for luxury living

• Dubai Marina for waterfront views

• Jumeirah Village Circle (JVC) for affordability and community feel

3. Decide Between Off-Plan or Ready Property

• Off-Plan: Lower prices, flexible payment plans, but longer wait times.

• Ready Property: Immediate move-in, but requires full payment sooner.

4. Get Pre-Approved for a Mortgage

If you need financing, getting pre-approval from a bank will help you understand your loan eligibility and speed up the buying process.

5. Work with a Registered Real Estate Agent

Partnering with a trusted RERA-certified agent ensures a safe transaction and access to exclusive listings.

6. View and Shortlist Properties

Visit properties in person to compare layouts, building quality, and amenities.

7. Make an Offer & Sign the Agreement

Once you’ve found “the one,” negotiate the price and sign a Memorandum of Understanding (Form F).

8. Transfer Ownership

Complete the transaction at the Dubai Land Department, pay the fees, and officially become a property owner.