Can Indians Buy Property in the UAE? A Complete Guide for Indian Buyers

The UAE property market has long been a favourite among Indian buyers. From the glitzy skyline of Dubai to the waterfront homes in Abu Dhabi, the country offers a range of real estate options that are both luxurious and investment-friendly.

But if you're from India and wondering, "Can I actually buy property in the UAE?" The answer is a big yes.

In this comprehensive guide, webll walk you through everything you need to know: from legal rights and buying locations to mortgages and ownership costs.

Why Indians Are Investing in UAE Property

India and the UAE share strong cultural and economic ties. Over 4 million Indians live and work in the UAE, making it one of the largest Indian diasporas in the world. But beyond community, there are solid reasons why Indian nationals are buying homes here:

• No capital gains or property tax
• High rental yields in many areas
• Strong demand for housing due to population and tourism growth
• Safe and regulated property market
• Easy visa accessibility and frequent travel options
• Golden Visa opportunities for property investors

Whether you're looking for a holiday home, a rental investment, or even a future retirement property, UAE real estate offers something for every buyer.

Can Indians Legally Buy Property in the UAE?

Yes, Indians -both residents and non-residents- can legally buy property in the UAE. Foreign nationals, including Indian citizens, are allowed to purchase real estate in designated freehold areas across Dubai, Abu Dhabi, and other emirates.

You donbt need to be a UAE resident to own property. In fact, many Indian buyers living in India purchase homes in the UAE purely for investment or rental income.

Where Can Indians Buy Property in the UAE?

Foreign buyers like Indians can purchase property only in freehold or leasehold zones, depending on the emirate.

Popular Freehold Areas in Dubai:

• Downtown Dubai (Burj Khalifa, Dubai Mall)
• Dubai Marina
• Business Bay
• Palm Jumeirah
• Jumeirah Village Circle (JVC)
• Dubai Hills Estate
• Arabian Ranches

Freehold Zones in Abu Dhabi:

• Saadiyat Island
• Al Reem Island
• Yas Island
• Masdar City

You can buy apartments, villas, townhouses, or even commercial properties in these zones. Off-plan (under-construction) projects by major developers are also open to Indian buyers.

What Types of Property Can Indians Buy?

Indian buyers are eligible to purchase:

• Apartments (studio, 1BHK, 2BHK, etc.)
• Villas and townhouses
• Off-plan properties
• Ready-to-move-in homes
• Commercial spaces (offices, retail units)

These properties come with freehold ownership, which means you own the property outright, including the land (for villas and townhouses).

Do Indians Need a UAE Visa to Buy Property?

No, you do not need a UAE residence visa to buy property.

However, owning property can make you eligible for a residency visa, especially if the value of your investment meets the visa criteria.

Common property-related visa options:

• 2-year residence visa: For property worth at least AED 750,000
• 10-year Golden Visa: For property worth AED 2 million or more

These visas can offer family sponsorship, multiple entry, and the right to stay in the UAE long-term.

Steps for Indians to Buy Property in the UAE

Herebs a step-by-step guide to help you buy property in the UAE:

1. Do your research: Choose a city, community, and property type.
2. Set a budget: Consider both the property price and associated fees (approx. 6-8%)
3. Get mortgage pre-approval (if you need financing): UAE banks offer non-resident mortgages to Indian nationals
4. Shortlist properties: Visit in person or virtually, compare location, size, amenities
5. Sign the Sale and Purchase Agreement (SPA): This outlines payment terms and property details
6. Make payments: Pay via bank transfer or through an escrow account (for off-plan)
7. Register your property: Submit documents to the local Land Department for title deed issuance

Mortgage Options for Indian Buyers

Indians can apply for non-resident mortgages from banks and financial institutions in the UAE. These are ideal if you want to finance part of the property instead of paying the full amount upfront.

Key things to know:

• Loan-to-Value (LTV): Usually 50% to 60% of the property value for non-residents
• Mortgage term: Up to 25 years
• Interest rate: Depends on fixed vs variable, usually starts around 3.99%

Required Documents:

• Passport and visa copy
• Income proof (salary slips, ITR, business returns)
• Bank statements (6 months)
• Credit report (from CIBIL or international agency)
• Property details (if already selected)

Tip: Use a mortgage broker in UAE like Holo to compare mortgage options from different banks and apply online with ease.

Property Buying Costs for Indian Nationals

In addition to the property price, you should budget for extra costs:

All in, expect to pay around 6% to 8% on top of the property price.

Taxes and Returns for Indian Investors

One of the most attractive features of buying property in the UAE is the tax advantage.

In the UAE:

• No property tax
• No capital gains tax
• No income tax on rental income

In India:

• Rental income or capital gains may be taxable in India under global income rules for resident Indians
• NRIs must report UAE property under the Liberalised Remittance Scheme (LRS) if using funds sent from India

To avoid double taxation, check if the India-UAE Double Tax Avoidance Agreement (DTAA) applies to your situation.

Legal Tips and Considerations

Buying property overseas is a big decision. Here are some legal tips to protect your interests:

• Only work with RERA-registered agents in Dubai or certified brokers in other emirates
• Verify the developer is approved and has a good track record
• Understand the SPA and cancellation terms
• Ensure the property is in a designated freehold zone
• Register the property with the Land Department to get your title deed
• Do not make cash payments; always use secure banking channels

Frequently Asked Questions

Can Indians jointly buy property with family members?

Yes, you can co-own property with family members, even if they reside in India or the UAE.

Can I buy property in Dubai while living in India?

Absolutely. Many Indian nationals buy property remotely using digital tools and local agents.

Can I pay in Indian Rupees?

Payments must be made in AED (UAE Dirhams), but banks facilitate currency conversions. You may also remit funds under RBIbs LRS limit.

Is rental income from UAE property taxable in India?

Yes, rental income is part of your global income and must be reported when filing taxes in India (for resident Indians).

Can I rent out the property while living in India?

Yes. You can hire a property management firm or platform to handle it for you.

Do I need to be in the UAE to buy property?

No. The process can be done remotely with online verification, power of attorney, or local assistance.

Conclusion: 

If you're from India and thinking about buying property abroad, the UAE offers one of the most accessible, tax-efficient, and secure markets in the region.

With:

• Full ownership rights
• Attractive rental yields
• No property taxes
• World-class infrastructure and amenities

b&itbs no surprise that more and more Indian buyers are turning their attention to Dubai, Abu Dhabi, and beyond.

Whether you're investing, relocating, or planning ahead, buying a home in the UAE could be one of the smartest moves you make.