For property investors, the Golden Visa has become one of the most secure and rewarding paths to long-term residency in Dubai. It’s not just a visa — it’s a lifestyle gateway, a financial safeguard, and an open door to endless opportunities in one of the world’s most dynamic cities.
Real Estate: The Simplest Route to the Golden Visa
Dubai’s real estate sector now offers the most straightforward route to Golden Visa eligibility. Under the current guidelines, you can qualify by investing in property worth at least AED 2 million (around US $545,000).
And you don’t need to buy one large villa — you can combine multiple properties, whether apartments or villas, to reach the threshold. The investment can be in a ready or off-plan property, as long as it’s from an approved developer in a freehold area.
Good News for Off-Plan Investors
Here’s where things get exciting. As of 2025, you don’t need to pay the full amount upfront to qualify.
A 20 % down payment on a property worth AED 2 million or more (that’s AED 400,000) is now enough to start your Golden Visa journey.
You’ll need to provide proof of payment — either a title deed (for ready properties) or a developer-issued payment certificate (for off-plan). Just remember: you must hold onto your investment for at least two years after your visa is issued.
If you’re buying off-plan, always choose a reputable developer and keep all payment documents well-organized, especially in case of project delays or cancellations.
Mortgage and Co-Ownership Rules
If you’re financing your property through a mortgage, banks must verify that you’ve contributed enough equity. Typically, investors must fund at least 50 % of the AED 2 million themselves, though some lenders in Dubai now accept 20 % equity contributions for visa eligibility.
For co-owned properties, each investor must have an individual share of AED 2 million or more to qualify independently.
Couples purchasing a property under AED 4 million can still apply together — in that case, one spouse receives the Golden Visa and can sponsor the other.
Golden Visa for 55+ Homeowners
There’s even an age-specific option: if you’re 55 or older and invest in property worth at least AED 1 million, you can apply for a five-year residence visa.
For everyone else, the AED 2 million investment unlocks the ten-year renewable Golden Visa — the most coveted category.
Documents You’ll Need
The process is simpler than most expect — but accuracy is key.
Here’s what you’ll need to apply:
• Passport and recent photo
• Health insurance (mandatory for residents)
• Emirates ID (if you already live in the UAE)
• Title deed for ready properties, or Oqood contract + payment statement for off-plan investments
• Bank No-Objection Certificate (NOC) if the property is mortgaged
Applications start with an eligibility check through the Federal Authority for Identity, Citizenship, Customs & Port Security (ICP). Once approved, you’ll proceed via the Dubai Land Department’s Cube Centre or the ICP Smart Portal to complete your medical test, biometrics, and Emirates ID collection.
If AED 2 Million Feels Out of Reach
Don’t worry — there’s a flexible alternative.
If your investment is below AED 2 million, you may qualify for a two-year property investor visa.
You’ll need a property worth at least AED 750,000 and proof that you’ve paid off 50 % or more of its value.
It’s an excellent entry-level option, giving you time to expand your portfolio and eventually upgrade to the full ten-year Golden Visa.
Beyond the Investment: The Lifestyle Advantage
The Golden Visa offers more than just residency — it’s a complete lifestyle upgrade.
Visa holders enjoy exclusive privileges, including:
• Freedom to work, live, or start a business without a local sponsor
• 100 % ownership of mainland companies
• Zero personal income tax
• Ability to sponsor your spouse, children of any age, parents, and domestic staff
• No cancellation if you stay abroad for long periods
Add to that Dubai’s world-class infrastructure, global connectivity, advanced healthcare, and premium education — and it’s clear why the Golden Visa is attracting investors from every corner of the world.
Make Dubai Your Home
Dubai has made it easier than ever for property owners to secure long-term residency through real estate.
By investing AED 2 million or more and meeting the simple payment and documentation requirements, you can enjoy a renewable ten-year visa, full ownership rights, and unmatched lifestyle freedom.
Before making your investment, always verify the latest rules through the Dubai Land Department (DLD) or ICP, as regulations can evolve.
With the right property and guidance, your investment in Dubai doesn’t just buy you a home — it buys you a future.
Get In Touch for More Details
For more information about HQ by Rove or any other projects, feel free to contact me directly.
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