Dubai’s off-plan property represents an attractive opportunity for prospective investors seeking the UAE’s coveted golden visa.

With several high-profile developments set for completion just before Expo 2025, you stand to benefit from capital appreciation, quality rental yields, and residence eligibility through strategic purchases timed to your visa application.

However, the process requires careful evaluation of projects, developers, payment plans, and location. This article provides in-depth guide to buying off-plan property in Dubai for Golden Visa that maximizes your chances.

We cover the top off-plan projects to consider, questions to ask developers, hidden costs to watch for, and tips for financing and payments. Follow our advice to make the most informed off-plan buying decisions on your path to long-term UAE residency.

Understanding Off-Plan Property Purchases in Dubai

Understanding off plan property purchases in dubai

Off-plan property purchases in Dubai allow buyers to secure residences before they are constructed. You can obtain attractive prices and favorable payment plans from developers by purchasing property off-plan.

The UAE has recently revised its residency visa, which is now available to investors, entrepreneurs, scientists, students, graduates, innovators, and leaders.

This new revision has dramatically impacted many investors as the minimum initial payment required to be eligible for the Golden Visa has been reduced. This change in regulation has opened up new opportunities for property purchasers in Dubai.

They are no longer required to make a minimum down payment of AED 1 million to be eligible for the Golden Visa. This regulation alteration will bring in many investors, benefiting the state’s economy. In addition, buying off-plan properties for sale in Dubai is a great way to make profitable investments in the future.

No Longer AED 1 Million Down Payment

If the property’s estimation surpasses AED 2 million, proprietors choosing an installment plan or home loan can apply for the drawn-out visa, Khaleej Times can uncover.

The proprietor can apply for the 10-year residency no matter the sum paid forthrightly, a chief made sense of. This alone will back the interest of several investors in opting for Dubai capital real estate for their future investments.

Dubai-based homes are now available on installment plans, which start at 1% monthly and range to five to 25-year plans after an initial investment.

Contracts may support up to 80% of the property’s value. This option will encourage tenants to become property owners and secure their future without the burden of a high down payment.

Applying for these installment plans is easy and accessible, allowing more people to invest in a property that will benefit them in the long run.

By being well-informed and closely monitoring progress, purchasing off-plan property in Dubai as a path to securing a golden visa in 2024 can be worthwhile. However, proceed cautiously as there are inherent risks to buying a residence before completion.

Benefits to Buy Off-Plan Property in Dubai for Golden Visa

Benefits to buy off plan property in dubai for golden visa

Investing in Dubai’s off-plan property market offers significant advantages if you seek to obtain the UAE’s new five or 10-year residency visa.

  1. You can secure residency at today’s prices by purchasing property before completion with an attractive payment plan throughout construction. Property values are projected to increase leading up to the Expo 2025 World Fair and beyond, so buying now allows you to benefit from future capital appreciation.
  2. Off-plan properties often have incentives like fee waivers, rental guarantees, and furnishings packages that provide extra value. Developers may offer discounts and payment plans with low down payments to spur sales.
  3. The five and 10-year multi-entry visas provide flexibility to live, work, and study in Dubai. Long-term visas offer security and stability and the potential for citizenship further down the line.
  4. Dubai’s off-plan market provides diverse options at varying prices in established and up-and-coming areas. You can choose a studio in the city center, a villa in an exclusive golf community, or an apartment in a beachfront resort.
  5. New regulations protect off-plan buyers with requirements for developers to register projects and place funds in escrow accounts. Buyers also have cooling-off periods in which they can withdraw if a project is canceled or delayed.

With high demand for Dubai’s new long-term visas, the off-plan property market offers an accessible pathway for investors seeking residency and a foothold in this exciting global destination.

By purchasing ahead of Expo 2025, you can obtain residency at lower costs and benefit as property values rise on the road to what is sure to be a pivotal moment in Dubai’s history.

Step-by-Step Guide to Purchasing Off-Plan Property in Dubai

To buy off-plan property in Dubai for a golden visa, follow these steps:

1. Find a Reputable Developer

Do thorough research on developers and their track records for delivering projects on time and as promised. Check industry reviews and ratings. Visit their sales centers to view floor plans and specifications.

2. Decide on a Unit

Once you find a development you like, review the floor plans and choose a unit that suits your needs. Consider factors like number of bedrooms, orientation, and amenities. Negotiate the best price you can.

3. Sign a Sales and Purchase Agreement

After reserving your unit, you’ll sign an initial agreement outlining the terms of the sale, including the sales price and payment schedule. This is a legally binding document, so review all terms carefully.

4. Make Down Payments and Instalment Payments

You’ll need to pay a percentage of the purchase price upfront as a down payment, typically around 10%. The remaining amount will be paid in installments throughout construction. These payments are secured in an escrow account.

5. The Property is Completed and Transferred

Once construction is finished, the property will be officially transferred to you. At this point, you’ll make your final payment and receive the title deed, which qualifies you to apply for a 10-year renewable golden visa.

6. Apply for your Golden Visa

As the legal owner of property in Dubai worth at least AED 2 million, you can now apply for a 10-year golden visa through the General Directorate of Residency and Foreigners Affairs (GDRFA). Your golden visa allows you to live, work, and study in Dubai.

Following these steps carefully will set you on the path to obtaining off-plan property in Dubai and securing your 10-year golden visa.

Do thorough research, choose a reputable developer, pay close attention to all contracts and payment schedules, and be patient through construction. The rewards of your golden visa will be well worth it!

Tips for Selecting the Right Off-Plan Property for the Golden Visa

Tips for selecting the right off-plan property for the golden visa

When purchasing an off-plan property in Dubai for a Golden Visa, several factors must be considered to ensure you select an ideal property.

1. Developer Reputation and Reliability

Choose a reputable developer with a proven track record of successful, high-quality projects delivered on time. Review the developer’s portfolio of completed buildings to evaluate their standards.

Check if they are listed on a stock exchange, which often indicates strong financial standing and accountability. Developers with a solid reputation will help ensure your investment is sound and the project is completed as promised.

2. Location and Amenities

Select a unit in an area with residential solid demand and opportunities for capital appreciation. Look for convenient access to transportation, employment hubs, schools, healthcare facilities, shopping and dining.

Properties near recreational areas like beaches, golf courses, or parks also tend to hold their value well. On-site amenities such as gyms, pools, playgrounds, and building security enhance livability and resale potential.

3. Payment Plan

Choose a payment plan you can commit to, whether lump sum or installment-based. Lump sum payments typically offer the most significant discounts, while installment plans offer more flexibility.

Review all contract terms and conditions carefully to understand potential late payment fees or forfeiture of deposits if installments are missed. Seek legal counsel to ensure the contract protects your rights as an investor.

4. Handover Date

Select an off-plan property with a handover date within 6-24 months of purchase for the Golden Visa to meet residency timeline requirements. While under construction, monitor progress to ensure the building remains on schedule for handover. Delays could impact your Golden Visa application, so factor some buffer time into your selection.

5. Title Deed

Upon project completion and handover, the developer will officially provide you with the title deed to transfer ownership. Ensure the contract stipulates a legally binding handover date for the title deed to safeguard your investment. The title deed and utility bills in your name will confirm your property ownership for the Golden Visa application.

With careful selection, an off-plan property in Dubai can be an attractive investment and path to UAE residency. By following these tips, you will be well on your way to obtaining the coveted Golden Visa.


As we have explored, buying off-plan property in Dubai can be a savvy move for securing a golden visa in 2024 and beyond. With ample new developments rising across the emirate, you can purchase real estate directly from developers before construction.

This route often includes payment plans, guaranteed rental returns, and property handover dates. Do your due diligence to pick an area and project that meets your needs and budget.

Consult experts to ensure the developer agreement protects you fully. If crafted thoughtfully, an off-plan property purchase in Dubai can position you for golden visa approval and a bright future in the UAE—the time to make this investment if you hope to secure residency rights in 2024.

Act wisely and purposefully as you take the following steps toward buying off-plan in Dubai.


1. How can I find off-plan property for the Golden Visa?

Research reputable real estate developers in Dubai that offer off-plan property, especially those designated for Golden Visa eligibility. Review available listings on property websites and in local listings. Visit the sales centers of developers you are interested in to view floor plans, finishes, and amenities in person. Discuss payment plans, construction timelines, and Golden Visa qualification with the developers’ agents.

2. What are the benefits of buying off-plan property in Dubai Golden Visa?

Purchasing off-plan property designated for the Golden Visa program provides several key benefits:

  • Eligibility for the 10-year Dubai Golden Visa. Off-plan property investments of AED 2 million and above qualify applicants for the long-term residency visa.
  • Potential for high returns. Off-plan property has the potential for substantial capital appreciation upon completion and handover. The value can increase significantly from the time of purchase to completion.
  • Customization opportunities. Off-plan units allow buyers to customize fixtures, finishes, and layouts to their preferences before final construction.
  • Attractive payment plans. Developers often offer easy payment plans for off-plan properties with low, upfront payments, and installments spread over the construction period.

3. What are the risks in buying off-plan property in Dubai for a Golden Visa?

Buy off-plan property in Dubai for a Golden Visa provides many benefits, but there are also risks to be aware of:

  • Construction delays. Completion of projects may face delays for various unforeseen reasons. This can postpone handover and capital returns.
  • Changes to specifications. Developers may need to substitute materials or make design changes, resulting in a final product different from what was envisioned at the time of purchase.
  • Market fluctuations. Property values can decline before completion and handover, potentially reducing returns on investment or equity. Market forces are challenging to predict, especially over the long term.
  • Hidden costs. Additional costs like maintenance fees, cooling charges, and service charges may apply upon completion, impacting holding and rental costs.

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