Buying Property in Dubai: 10 Questions Every Buyer Must Ask in 2025

Introduction: Buying Property in Dubai in 2025

Dubai continues to rank among the top global destinations for real estate investment and lifestyle living. From tax-free ownership to world-class infrastructure and strong capital growth, it offers unique advantages to buyers. However, navigating Dubai’s property market in 2025 requires more than just enthusiasm—it demands strategy.

Whether you're a first-time buyer or an experienced investor, here are 10 essential questions you should ask before purchasing property in Dubai.

1. Is the Property Freehold or Leasehold?

Understanding the ownership structure is crucial.

• Freehold properties offer full ownership rights to foreign buyers in designated zones.

• Leasehold properties grant rights for a set period (usually 99 years) and often come with renewal conditions.
  Confirm the type before you commit.

2. What Is My Total Budget (Including All Fees)?

Don't just focus on the sale price. Your total cost will include:

• Dubai Land Department (DLD) fee: 4% of property value

• Agency commission: typically 2%

• Mortgage fees: arrangement & valuation charges (if applicable)

• Annual service charges: based on property size and location

Calculate all these costs upfront to avoid surprises.

3. Is the Developer Reputable and RERA-Registered?

Especially important for off-plan purchases.
Ask:

• Is the developer registered with RERA (Real Estate Regulatory Agency)?

• Have past projects been delivered on time?

• What is the quality and resale value of completed developments?

Search for developer reviews and past project performance.

4. What Is the Payment Plan and Handover Date (for Off-Plan)?

For off-plan properties, confirm the:

• Payment schedule (e.g. 10/90, 20/80, post-handover)

• Expected handover date

• Any post-handover payment terms

Avoid vague promises—ensure everything is written in your SPA (Sales Purchase Agreement).

5. Is the Location Aligned With My Goals?

Choose a location that suits your intent:

• For personal use: look at schools, public transport, healthcare, and amenities

• For investment: focus on rental demand, upcoming infrastructure, and ROI potential

Popular areas in 2025 include: JVC, Dubai Hills, Downtown Dubai, and Palm Jebel Ali.

6. What Are the Expected Rental Yields and ROI?

If you’re investing, ask for:

• Current rental rates in the area

• Historical ROI trends

• Future outlook based on demand and supply

As of 2025, Dubai’s average rental yields range from 6% to 8%, with some areas exceeding that due to high occupancy and demand.

7. Am I Eligible for a Mortgage?

Mortgage eligibility depends on your residency status:

• UAE Residents: minimum 20% down payment

• Non-Residents: usually 40% down payment
  Banks also check:

• Minimum 6-month employment history

• Valid residency visa (for residents)

• Clean credit history

Get a mortgage pre-approval to know your buying power.

8. Are There Any Restrictions or Future Developments Nearby?

Ask about:

• Zoning rules

• Masterplan developments

• Upcoming infrastructure projects (like metro expansions, malls, or commercial hubs)

This information can significantly impact capital appreciation and future resale value.

9. What Are the Annual Service Charges and Who Manages the Property?

Service charges are billed yearly and can vary:

• For apartments: AED 12–25 per sqft/year

• For villas: depends on size and community

Ask:

• What do the fees cover?

• Who is the facility management company?
  If you're not based in Dubai, consider hiring a property manager to oversee rentals and maintenance.

10. What Are My Exit Options and Resale Potential?

Plan your exit before you buy.
Ask:

• Is the property in demand?

• Does the developer or community have good resale history?

• Are there restrictions on resale before handover (for off-plan)?

High liquidity and a strong resale market make your investment more flexible in the long term.