The Dubai Golden Visa is one of the UAE’s most valuable long-term residency options, offering investors and their families a stable and secure lifestyle in one of the world’s most dynamic cities. With clear eligibility requirements and a well-structured application process, real estate buyers can obtain a 10-year residency by making qualifying property investments.
In this guide, we break down the 10 most important property investment rules you need to know. Understanding these rules will help you choose the right property, meet all requirements confidently, and ensure a smooth Golden Visa approval.
From minimum investment criteria to eligible property types, mortgage conditions, and documentation requirements—this guide provides a simple, practical explanation of everything you need to know before applying for the Golden Visa through real estate ownership.
Rule 1 – Understand What the Dubai Golden Visa Offers
The Golden Visa is a renewable 10-year residency permit that gives investors the freedom to live, work, and invest in the UAE without requiring sponsorship. It is designed to support long-term investment, stability, and growth for individuals and families choosing Dubai as their second home.
The application process has become simpler, with:
- Faster approval timelines
- Streamlined online submission
- Better support for mortgaged properties
- Smoother processing for off-plan property owners
Rule 2 – Minimum Investment Must Be AED 2 Million
The most important requirement is a real estate investment of at least AED 2M. You can qualify by purchasing:
- A single property valued at AED 2M+
- Multiple properties with a combined value of AED 2M+
- Either ready or off-plan units
Applications below this threshold are not accepted under any circumstances.
Rule 3 – Mortgaged Properties Are Eligible Under Certain Conditions
You can qualify even if your property is mortgaged, provided that:
- You have paid at least 50% of the property value, OR
- Your total equity is AED 2M+
Your bank must also issue a No Objection Certificate confirming your ownership share.
Rule 4 – Joint Ownership Is Accepted
Golden Visa eligibility applies to jointly owned properties as long as:
- The total property value is AED 2M+
- Each owner’s share is clearly listed on the Title Deed or Oqood
This makes it easier for couples and families investing together.
Rule 5 – Only Certain Property Types Qualify
According to Dubai Land Department (DLD), the following property types are eligible:
- Freehold residential properties
- Off-plan units from approved developers
- Ready apartments, villas, and townhouses
- Serviced apartments with an issued Title Deed
- Commercial properties (subject to approval)
Not eligible: leasehold units, disputed properties, or properties not registered with DLD.
Rule 6 – Off-Plan Properties Must Meet Specific Requirements
Off-plan properties are eligible for the Golden Visa if:
- The total property value is AED 2M or more
- The developer is registered and approved by DLD
- Payments made toward the property are verifiable
- Oqood registration is completed
This is one of the most popular investment routes due to flexible payment plans and lower upfront costs.
Rule 7 – Submit All Required Documents Clearly and Correctly
Incomplete or mismatched documents are the most common reasons for application delays. You will need:
- Passport
- Passport-size photographs
- Title Deed (ready unit) or Oqood (off-plan)
- Bank statement if the property is mortgaged
- Valid UAE health insurance
- DLD valuation (if requested)
Your name must match exactly across all documents.
Rule 8 – Follow the Proper Step-by-Step Golden Visa Process
Step 1 – Purchase a qualifying AED 2M+ property
Step 2 – Receive your Title Deed or Oqood certificate
Step 3 – Apply via GDRFA or the DubaiNow app
Step 4 – Upload all required documents
Step 5 – Wait for initial approval
Step 6 – Complete medical test and biometrics
Step 7 – Receive your Emirates ID and visa stamp
Typical processing time: 5–15 working days.
Rule 9 – Avoid Common Mistakes That Lead to Rejections
- Submitting unclear or incomplete documents
- Applying with a property valued below AED 2M
- Purchasing from non-approved developers
- Incorrect mortgage equity calculations
- Applying before Oqood or Title Deed issuance
Expert Tip: Always confirm eligibility with your real estate consultant before submitting your application.
Rule 10 – Know the Key Benefits Before You Invest
- Renewable 10-year residency
- No need for a UAE sponsor
- Ability to sponsor spouse, children, and dependents
- No minimum-stay requirement in the UAE
- Full business ownership and investor privileges
- Access to Dubai’s safe, tax-free, high-quality lifestyle
These benefits make the Golden Visa a compelling choice for long-term financial and lifestyle planning.
Conclusion
The Dubai Golden Visa offers long-term residency for investors who purchase property worth AED 2M or more. By understanding these 10 important rules—from eligibility criteria and documentation to property types and mortgage guidelines—you can ensure a smooth and successful application process.
For expert guidance, personalised property options, or assistance with the full Golden Visa procedure, the team at Solanki Properties is here to help you every step of the way.
Call/WhatsApp: +971 52 257 8734
