FAQs
The most important answers
1. How do I obtain the Golden Visa through real estate purchase?
The UAE Golden Visa is granted for 10 years for properties valued at 2 million AED (approx. 545,000 euros) or more. Alternatively, properties starting from 750,000 AED (approx. 204,000 euros) qualify for the 5-year Golden Visa. The property must be fully paid for or financed. The visa entitles the holder to unlimited stays, a work permit, and includes spouses as well as children up to the age of 25. RB Vision coordinates the entire application process with our visa specialists.
2. What taxes apply to real estate in Dubai?
Dubai levies 0% income tax, capital gains tax, or inheritance tax on real estate. Only a one-time registration fee of 4% of the purchase price and an annual housing fee of 5% of the annual rental income (maximum 10,000 AED) apply. However, for German tax residents, German tax laws for worldwide income apply. Professional tax advice is therefore essential – our partners assist with optimal structuring.
3. Can Germans and Austrians finance real estate in Dubai?
Yes, UAE banks offer financing for foreigners up to 75% of the property value (for residents) or 60% (for non-residents). Requirements include a minimum monthly income of 15,000-25,000 AED, proof of stable income, and a positive credit report (Schufa). Interest rates are currently between 4-6% p.a. RB Vision works with leading banks such as Emirates NBD, ADCB, and FAB, and structures optimal financing solutions for each individual case.
4. Are foreigners allowed to own property in Dubai?
Foreigners can acquire full ownership (Freehold Title) in designated freehold areas of Dubai. These include all premium locations such as Downtown Dubai, Dubai Marina, Palm Jumeirah, Business Bay, and Emirates Hills. Ownership rights are unlimited, inheritable, and include both land and buildings. Proof of ownership is provided via a Title Deed registered with the Dubai Land Department. RB Vision focuses exclusively on freehold properties for maximum legal security.
5. What rental yields are realistic in Dubai?
Dubai currently offers gross rental yields between 6-10% per annum, depending on location, property type, and features. Premium apartments in Business Bay achieve 7-9%, villas in Emirates Hills 5-7%, while emerging areas can reach up to 10%. After deducting service charges (2-4% of the rental value), management fees, and the housing fee, a net yield of 5-8% remains. RB Vision selects properties based on proven rental histories and market potential for optimal return expectations.
6. How does the purchase process for a Dubai property work?
The purchase process includes: 1) Property selection and reservation with a 10% deposit, 2) Due diligence and contract review, 3) NOC (No Objection Certificate) from the developer, 4) Financing confirmation (if required), 5) Final payment and ownership transfer at the Dubai Land Department, 6) Issuance of the Title Deed. The entire process takes 2-6 weeks depending on financing. RB Vision coordinates all steps with our legal and financial partners for a smooth transaction.
7. New construction or existing property – which is more recommended?
Both options have specific advantages: New construction projects offer flexible payment plans (often 50/50 or 60/40 over the construction period), modern features, and potential value appreciation until completion. Existing properties generate immediate rental income, have proven market acceptance, and transparent operating costs. Currently, many investors prefer ready properties for secure cash flows. RB Vision individually analyzes your investment goals and recommends the most suitable option.
8. How easy is it to sell a Dubai property?
Dubai has a liquid real estate market with professional sales processes. Sales are conducted through RERA-licensed brokers, transfer fees are 4% (2% each for buyer/seller), and the transaction takes 2-4 weeks. Premium properties in top locations typically have sales periods of 30-90 days. Capital gains are tax-free for UAE residents when sold after 3+ years. RB Vision also supports exit strategies through our network and market expertise for optimal sales proceeds.
