Last Updated on July 3, 2025

Onward into 2025, the dream of owning a home is becoming a reality for many UAE residents, thanks to a new government-backed initiative. For those wondering how to buy property in Dubai, this year marks a significant turning point.

In July 2025, the Dubai government launched a strategic program aimed at simplifying the property-buying process for first-time homeowners and investors.

This new initiative is the result of a collaboration between the Dubai Land Department (DLD) and the Department of Economy and Tourism, working hand-in-hand with leading developers and financial institutions.

The primary goal is to streamline how to buy property in Dubai by removing traditional obstacles and making the process more transparent, affordable, and accessible.

Direct Access to Developers

If you’re planning to buy a house, apartment, villa, or any property type in Dubai, you no longer need to go through agents or intermediaries. With this new system, buyers can now directly contact leading developers such as:

• Emaar
• Danube Properties
• Azizi
• Wasl Dubai Properties
• Ellington
• Beyond
• Nakheel
• Damac
• Majid Al Futtaim

Real estate platforms like Dubizzle, Property Finder, and Bayut also support this initiative, providing updated property listings and developer contacts to make it easier for buyers to navigate how to buy property in Dubai.

Financial Partners in the Initiative

To support property financing, several banks are part of this ecosystem:

• Emirates Islamic
• Commercial Bank of Dubai
• Emirates NBD

Once you select a property, these banks will proactively reach out to you for financing, eliminating the need for buyers to seek out lenders themselves.

Who Can Benefit?

This initiative is designed for:

• UAE residents aged 18 and above
• Residents with a valid Emirates ID
• Individuals or families who do not already own a property in the UAE
• Investors looking to purchase their first property in Dubai

Key Benefits of the Initiative

Here’s what makes this initiative a game-changer for anyone exploring how to buy property in Dubai:

• No Brokerage Fees: Contact the developer directly and skip the middleman.
• Pre-approved Bank Financing: The bank will approach you—no need to apply separately.
• Discounted Property Prices: Enjoy special offers on new developments.
• Interest-Free Registration Fees: You won’t have to pay interest on DLD registration.
• No Restrictions on Leasing or Resale: Full ownership rights come with flexibility.

How the Process Works

Understanding how to buy property in Dubai through the new 2025 initiative is simple if you follow the structured process designed by the Dubai Land Department and partner organizations. Here’s a step-by-step guide to help you navigate the system:

1. Create an Account on the DLD Website or Dubai REST App

Begin by registering on the official Dubai Land Department (DLD) portal or by downloading the Dubai REST mobile app. Both platforms act as centralized hubs for property buyers, where you can manage your account, track property details, and receive official notifications.

2. Explore New Properties Developed by Approved Developers

Once registered, you can search for a wide range of new properties listed by top developers such as Emaar, Azizi, Nakheel, and others. The listings include detailed descriptions, payment plans, floor plans, locations, and price ranges, making it easier to compare your options.

3. Shortlist and Contact the Developer Directly

If a property interests you, you can contact the developer directly via phone, email, or WhatsApp, depending on the contact options provided. You can schedule a site visit, request a virtual tour, or ask for detailed brochures.

4. Submit Your Interest and Provide Basic Documentation

After expressing interest, the developer will request a few documents, including your Emirates ID, passport copy, and proof of income. These are used to initiate both the property booking process and the financing application with the banks.

5. Wait for the Bank to Contact You for Financing

One of the biggest advantages of this initiative is that you don’t need to approach the bank yourself. Once the developer forwards your information, the partner banks (Emirates NBD, Emirates Islamic, Commercial Bank of Dubai) will review your eligibility and directly contact you with customized mortgage offers, terms, interest rates, and payment schedules.

6. Review and Finalize the Payment Plan

After receiving bank approval, you can finalize the down payment and installment plan with both the developer and the bank. Many properties are offered at discounted rates with flexible payment options like post-handover payments or long-term installment plans.

7. Pay the Registration Fee (with 0% Interest)

You’ll be guided to pay the Dubai Land Department registration fee, typically 4% of the property value, which under this initiative can be paid without any added interest or financing cost.

8. Sign the Sale Agreement and Receive the Title Deed

Once all payments and approvals are complete, you’ll sign the official Sales and Purchase Agreement (SPA) and receive your title deed through the DLD platform. Congratulations—you are now a legal property owner in Dubai.

9. Option to Lease or Resell Without Restrictions

Unlike some restricted ownership programs, this initiative offers full rights—you can resell, lease, or live in your new property immediately, without any waiting period.

This enhanced process ensures that the journey of how to buy property in Dubai is no longer complicated or intimidating. With full digital access, direct communication, financial support, and zero hidden fees, the path to owning your first home in Dubai has never been smoother.

The Vision Behind the Initiative

The Dubai government understands that owning a home is more than a financial transaction—it’s about creating long-term stability, fostering a sense of belonging, and enhancing overall happiness.

This initiative supports Dubai’s broader goal to become the happiest city in the world. By simplifying how to buy property in Dubai, the government ensures that more residents can build roots and call Dubai their permanent home.

The government lays the foundation by creating a transparent and supportive ecosystem, while the private sector delivers with scale, speed, and alignment, turning property ownership from a distant dream into a tangible reality.