Plan your Dubai property purchase: mortgage eligibility (3.99% from), Golden Visa structuring (AED 2M+), AED/USD ROI scenarios, and freehold tax-free yields. Free, expert-led 2026 framework.
A typical Dubai investment is structured with 25–40% equity (cash or transfer), a 60–75% LTV mortgage at 3.99–5.49% from a UAE bank, total acquisition costs of 7–8% on top of price, and an exit horizon of 5–7 years. Investments of AED 2 million or more qualify for a 10-year Golden Visa. Net yields after service charges typically run 4.8–7.2% annually with zero income tax.
Cash buyers skip ~1% in bank fees and close in 14 days. Leveraged buyers preserve liquidity and can usually generate 1.5–2.5x portfolio ROI by deploying the same equity across 2–3 properties. The break-even rule: leverage adds returns when net rental yield (after fees) exceeds the mortgage rate. With yields at 6.8% average and rates at 4.5%, the spread favours leverage in 2026.
The AED is pegged to the USD at 3.6725 — meaning USD-based investors carry zero FX risk on the principal. EUR, GBP, INR earners should hedge with a forward contract at purchase if the holding period exceeds 12 months. AqarSouq calculators emit dual AED + USD ROI so you can compare against your home-currency benchmarks.
Spend AED 2M+ on a single property (or AED 2M+ equity on a mortgaged property where LTV ≤ 50%) and you unlock a 10-year UAE residency for yourself, spouse, children, parents, and one domestic worker. The visa renews automatically when the property is held. This makes the AED 2M threshold a critical planning anchor — many investors stretch to it for the residency optionality.
