Real Estate Club Dubai

Legal

UBO Disclosure in 2026: What Dubai Property Companies and SPVs Must File

If you hold Dubai property through a JAFZA offshore company, mainland LLC or free zone entity, UAE law requires you to disclose who ultimately owns and controls that structure. This guide explains the beneficial ownership registers, deadlines and penalties under Cabinet Decision 109 of 2023 — and where DIFC and ADGM vehicles differ.

Jul 08, 2026

Legal

VAT on Commercial Property in Dubai 2026: The 5% Rule and Input Recovery Explained

Every sale and lease of commercial property in Dubai carries 5% VAT, and getting the input recovery wrong can cost an investor tens of thousands of dirhams. This guide walks through the mechanics — registration thresholds, recoverable versus irrecoverable VAT, and the new 2026 five-year refund deadline — with two worked examples.

Jul 07, 2026

Buying Guide

Bridging Loans in Dubai 2026: How to Buy Before You Sell

Bridging finance lets you complete on your next Dubai home before your current one sells, but it runs through specialist brokers and private lenders, not UAE banks. This guide explains how it actually works, what it realistically costs, and the cheaper alternatives — equity release, remortgaging and simultaneous completion — most buyers should check first.

Jul 06, 2026

Buying Guide

Dubai Mortgage Over 60s and Retirees in 2026: Age Limits, Terms and Pension Income

There is no legal age limit on getting a mortgage in Dubai, but almost every bank sets its own cutoff — and it shrinks your loan term fast once you are past 55. This guide explains exactly how age caps, pension and rental income, and down payment requirements work for over-60 buyers and retirees in 2026, with real term-and-payment math.

Jul 05, 2026

Buying Guide

Salary Transfer vs Non-Salary Transfer Mortgage in Dubai 2026

Moving your salary account to your mortgage bank is not a legal requirement in Dubai, but it usually unlocks the lowest published rate. This guide breaks down the real cost of skipping salary transfer, which banks lend without it, and what self-employed and non-resident buyers need to qualify instead.

Jul 04, 2026

Buying Guide

Fixed vs Variable Mortgage Rates in Dubai 2026: EIBOR Explained

Every Dubai mortgage eventually prices off EIBOR, whether it is variable from day one or fixed today and variable tomorrow. This guide breaks down how the fixed-period-then-EIBOR-plus-margin structure actually works, runs the real payment numbers on an AED 1.5 million loan, and sets out the break-even math for deciding between them in 2026.

Jul 03, 2026

Buying Guide

Dubai Mortgage for GCC and Saudi Nationals in 2026: LTV, Eligibility and Banks

Saudi, Kuwaiti, Qatari, Bahraini and Omani buyers occupy a genuinely different bracket of Dubai's mortgage market than other expatriates, with wider property access and often friendlier lending terms. This guide sets out the CBUAE loan-to-value framework, which banks actually lend to GCC nationals, and the documents a Saudi buyer needs to close in 2026.

Jul 02, 2026

Buying Guide

Dubai Mortgage at Handover 2026: Financing Off-Plan Completion

A practical guide to securing a bank mortgage at handover in Dubai — covering LTV rules, timing, the Emirates NBD early-access model, and the key risks off-plan buyers must plan around in 2026.

Jun 28, 2026

Buying Guide

Equity Release on Dubai Property 2026: Cash Out Your Equity

After four years of aggressive price growth, many Dubai owners are sitting on substantial equity — here's exactly how to unlock it via a cash-out mortgage, which banks offer it, and what it really costs.

Jun 27, 2026

Buying Guide

Green Mortgages UAE 2026: Banks, Discounts & Eligibility

UAE banks now offer green mortgages with rate discounts and fee waivers for LEED, Estidama and Al Sa'fat certified properties — here's what each bank offers and whether it's worth it.

Jun 26, 2026

Buying Guide

Dubai Mortgage for Canadian Citizens 2026: Banks, LTV & the Remote Process

Canadian citizens can secure a UAE mortgage from several major banks at up to 50–60% LTV, with the entire process completable remotely — but Canadian tax residency and T1135 reporting rules demand attention before you sign.

Jun 25, 2026

Buying Guide

Dubai Mortgage for Russian Nationals 2026: Banks, Eligibility & the Payments Reality

Russian nationals can get a mortgage in Dubai in 2026, but the combination of non-resident LTV caps, enhanced AML scrutiny, and post-2022 payment-channel complexity means the process demands careful preparation.

Jun 24, 2026

Buying Guide

Dubai Mortgage for Pakistani Nationals (2026): Eligibility, Banks & the Remote Application Process

A clear 2026 guide to financing a Dubai property as a Pakistani national. It splits the two very different paths — a UAE-resident Pakistani on standard expat terms versus a Pakistan-based non-resident buyer — and covers which UAE banks lend, non-resident LTV, SBP remittance limits and the remote application process.

Jun 23, 2026

Buying Guide

Dubai Mortgage for US Citizens 2026: FATCA, Banks & LTV

US citizens can obtain a UAE mortgage, but FATCA compliance, a non-resident LTV cap of around 50–60%, and US-side tax reporting make the process more complex than for most other nationalities.

Jun 23, 2026

Buying Guide

Dubai First-Time Buyer Programme 2026: Eligibility & Benefits

Dubai's official First-Time Home Buyer Programme — run by the DLD and DET — gives UAE residents priority access to launches, preferential pricing and exclusive mortgage terms when buying their first home under AED 5 million.

Jun 22, 2026

Buying Guide

Mortgage Pre-Approval in Dubai (2026): How to Get It, How Long It Lasts & Why You Need One First

A mortgage pre-approval tells you exactly how much a UAE bank will lend you before you start viewing properties. This 2026 guide covers the full process, the documents you need, how long pre-approval stays valid, what it costs, and why getting one first gives you real negotiating power.

Jun 20, 2026

Handover

Cedar at Dubai Creek Harbour: Handover & Financing Your Final Payment (2026)

Cedar at Dubai Creek Harbour by Emaar reaches handover around Q3 2026, and the final installment is a real cash event many buyers underestimate. This guide breaks down exactly what falls due at handover, how to finance it with a mortgage on a completing Emaar unit, the LTV traps in off-plan vs ready timing, and what Creek Beach rents and yields mean if you bought to invest.

Jun 18, 2026

Handover

Azizi Riviera Handover (2026): Financing Your Final Payment, Mortgage Options & Costs

Your Azizi Riviera apartment in MBR City is handing over in 2026 — but the bulk of the price falls due now. This guide breaks down financing the final payment with a mortgage, the LTV you can expect as a resident or non-resident, what to budget for DLD and service charges, and the rental-yield case for this lagoon community.

Jun 18, 2026

Golden Visa

Lost Your Job in Dubai? Grace Period, Visa Options & Protecting Your Property (2026)

Losing your job in Dubai does not mean losing your residency. The grace period system gives you 30 to 180 days, the ILOE scheme most employees forget they pay into can replace 60% of your basic salary for three months, and there are at least eight legal routes to stay - including one where your own apartment becomes your visa sponsor.

Jun 17, 2026

Relocation

UAE Retirement Visa 2026: Requirements, Costs & the AED 1M Property Pathway

The UAE retirement visa is a 5-year renewable residence for over-55s, and the AED 1 million property route is the pathway most retirees actually use. This guide covers every eligibility route, the exact fee schedule, the mortgage and joint-ownership rules, and when the golden visa is the better deal.

Jun 16, 2026

Golden Visa

Sponsoring Your Parents' UAE Residence Visa in 2026: Cost, Salary & Requirements

Bringing your parents to live with you in Dubai is one of the most emotionally loaded visa applications an expat ever files — and one of the most misunderstood. This guide covers the salary thresholds, the both-parents rule, the sole-provider proof, every fee line, and the cost that actually decides the case: senior health insurance.

Jun 15, 2026

Golden Visa

Visit Visa to Employment Visa in Dubai 2026: Status Change Cost & Process

You landed in Dubai on a visit visa, found a job, and now need to become a legal resident employee — without flying out. This guide prices the in-country status change against the exit-and-re-enter route, walks every step from offer letter to stamped residence visa, and covers the overstay math when your visit visa expires mid-process.

Jun 14, 2026

Golden Visa

Dubai Labour Card & Work Permit Fees 2026: Every MOHRE Cost Explained

The "labour card" is now a digital MOHRE work permit, and its fee depends almost entirely on your employer's classification — AED 250 for a Category 1 company versus AED 3,450 for Category 3. This guide maps every MOHRE cost in 2026: the fee matrix, the insurance-or-guarantee choice, Tawjeeh, renewal fines, and why none of it can legally be charged to you.

Jun 13, 2026

Golden Visa

Maid Visa in Dubai 2026: Full Cost of Sponsoring a Domestic Worker

Sponsoring a maid in Dubai costs far more than the visa fee alone. This guide breaks down the full 2026 numbers: government fees, deposits, insurance, Tadbeer agency packages versus direct sponsorship, the salary you need to qualify, and what Federal Decree-Law 9 of 2022 obliges you to pay your domestic worker.

Jun 12, 2026