Buying an apartment in Dubai: opportunities, framework and investment strategy

Dubai, an internationally competitive real estate market

Investing in an apartment in Dubai appeals to both expatriates and seasoned investors. The metropolis has established itself as a global hub for luxury real estate, combining security, profitability, and an exceptional quality of life.

A stable and attractive environment

Dubai enjoys a level of political stability rarely seen in the region and exemplary security. Its favorable economic climate, absence of income tax, and modern infrastructure create an environment conducive to investment.
The quality of life, the comfort of the residences, the cultural diversity and the sunny climate throughout the year further enhance the city's appeal to buyers from all over the world.

Profitability exceeding that of major world capitals

The average rental yield in Dubai varies between 6 and 8% , often double that observed in Paris, London or New York.
Districts such as Downtown Dubai , Business Bay , Dubai Marina or Jumeirah Village Circle (JVC) offer an excellent balance between appreciation potential and sustained rental demand.

Conditions favorable to foreigners

The UAE government has established a clear and welcoming framework for foreign buyers. They can become full owners in so‑called "freehold" zones , without any nationality restrictions.
In addition to this, there is the long‑term residency visa for real estate investors, which makes owning property in Dubai even more strategic.

Key steps to buying an apartment in Dubai

One of the major advantages of the Dubai real estate market lies in the simplicity and speed of the process. The entire procedure can be completed in just a few days, often without requiring an on‑site visit.

1. Property Selection

The initial step is to identify the project best suited to your investor profile: location, expected return, type of rental management, and potential for appreciation. Renowned developers such as Ellington Properties , Emaar , and Sobha Realty offer residences that meet international standards.

2. Reservation and security deposit

Once a property is selected, a reservation deposit of between AED 5,000 and AED 20,000 is paid to secure the unit for one to two weeks. This payment is made via a secure link provided by the developer.

3. Signing the booking form

The reservation form formalizes your intention to purchase and specifies the conditions of the selected property. It is a simple but essential administrative step before the transfer of ownership.

4. Payment of the initial deposit

The initial deposit typically represents 10 to 20% of the total price. Payment can be made by international bank transfer or directly on site.

5. Signing of the sales contract (SPA)

The Sales and Purchase Agreement (SPA) formalizes the transaction. The developer then submits it to the Dubai Land Department (DLD) to register the property in the buyer's name.

Buying remotely: a now common practice

Buying an apartment in Dubai can be done entirely remotely . Thanks to communication technologies and immersive real estate platforms, it is now possible to:

• take a virtual 3D tour of the properties,

• verify legal documents online,

• sign the contract electronically,

• and make payments via secure systems.

This flexibility is particularly appealing to European or Asian investors wishing to build an international real estate portfolio without geographical constraints.

Regulations and taxation for non‑residents

Dubai authorities have put in place a clear legal framework for foreign buyers, guaranteeing transparency, security and compliance .

Franco‑Emirati tax treaty

French investors benefit from a bilateral agreement between France and the United Arab Emirates, avoiding double taxation on real estate income.
Rental income received in Dubai is therefore not subject to French taxation, provided it is properly declared. This enhances the competitiveness of Dubai real estate investment compared to other international destinations.

Recommendations for foreign investors

Since each country has its own agreements, it is essential to consult an international tax advisor in order to anticipate reporting obligations and legal implications.
Understanding these rules is a key element in optimizing the net profitability of the investment.

Additional costs to anticipate

In addition to the price of the property, some costs must be anticipated when buying in Dubai:

• Dubai Land Department (DLD) fees : 4% of the purchase price.

• Administrative fees : between 1,000 and 5,000 AED depending on the promoter.

• Issuance of the title deed : approximately 500 AED .

• Possible exchange fees if payment is made in foreign currency.

These costs remain generally lower than those observed in Europe, and the transparency of the process reduces the risks of hidden additional costs.

Financing your purchase: flexible payment plans

Dubai developers offer particularly attractive installment payment plans , allowing you to acquire a property without mobilizing all the capital from the outset.

Example of a typical structure

For an apartment listed at AED 1,250,000 , a floor plan with Ellington Properties might look like this:

• 15% upon booking,

• 35% during construction,

• 50% upon handover of keys.

These plans are interest‑free and commission‑free ; the price shown is the final price.
It is possible to obtain the transfer of ownership once 20% of the total amount (including fees) has been paid, attesting to the buyer's ability to finalize the transaction.

Conclusion: Dubai, a sustainable heritage vision

Buying an apartment in Dubai is much more than a real estate transaction: it's a comprehensive wealth management strategy in a rapidly expanding city.
Between legal security, attractive returns and an exceptional quality of life, the emirate offers one of the most promising investment opportunities in the world.
In an uncertain international economic context, Dubai embodies stability and modernity, two essential qualities for building a lasting legacy.