Buying a home in Dubai is one of the most attractive methods of overseas investment for Iranians. Due to the rapid growth of economic conditions in the UAE and the relentless development of construction projects, excellent opportunities have been created for attracting foreign investors and buying homes in installments in Dubai. Dubivo is one of the specialized teams for consulting on property purchases in Dubai; by receiving consultation and guidance, you can proceed with property investment...
Buying a home in Dubai is one of the most attractive methods of overseas investment for Iranians. Due to the rapid growth of economic conditions in the UAE and the relentless development of construction projects, excellent opportunities have been created for attracting foreign investors and buying homes in installments in Dubai. Dubivo is one of the specialized teams for consulting on property purchases in Dubai; by receiving consultation and guidance, you can proceed with property investment in this country to obtain long-term residency, annual profits, and more.
Why Buy a Home in Installments in Dubai?
Dubai is considered one of the most popular and modern cities in the world, and many people intend to immigrate to this country. On the other hand, it has been chosen as one of the safe and stable environments for investment, especially in the real estate sector. Therefore, buying property, even in installments, in Dubai is not only an exceptional financial opportunity but can also provide the conditions for legal residency in the UAE for buyers.
Average Price of Installment Homes in Dubai in 2025
The price of buying a home in installments in Dubai varies based on conditions, area, project amenities, size, and many other factors; however, considering similar features, the value of buying property in Dubai is determined as shown in the table below.
| Property Type |
Typical Size |
Total Price (AED) |
Down Payment |
Installment Period |
| Studio |
40–60 m² |
600,000 to 900,000 |
10% to 20% |
3–5 years |
| 1-Bedroom |
70–90 m² |
900,000 to 1.5 million |
10% to 20% |
4–7 years |
| 2-Bedroom |
100–130 m² |
1.5 to 2.5 million |
15% |
5 years |
| Villa |
200 m² and up |
From 3 million and up |
20% |
Up to 7 years |
Advantages of Buying a Home in Installments in Dubai
Given the conditions and facilities available in Dubai, buying property in installments in this area is distinguished from other regions and countries, and individuals can benefit from special advantages by investing there. Below are a few of its advantages.
- 100% ownership for foreigners in free zones.
- Possibility of obtaining legal and long-term residency for investors and buyers of properties over one million dirhams.
- High rental yield (accompanied by 8% to 10% in some areas).
- Growth and development of new property projects and property purchases in Dubai.
- Absence of annual tax on property or housing rent.
- Existence of opportunities to buy homes in installments in Dubai directly from property developers without needing a bank loan.
- Having a better chance to choose and buy luxury and high-end homes.
- Possibility of obtaining residency for first-degree relatives such as spouse, child, or parents simultaneously.
- The best-chosen method for buying a home in the Middle East.
Conditions for Buying a Home in Installments in Dubai for Iranians
One of the special opportunities for Iranians is the possibility of investing in UAE property and construction projects without having residency; however, they must consider the necessary conditions for this, which we have outlined below.
- Providing the Down Payment: To select and buy a home from ready, under-construction, or pre-sale projects, the buyer needs to deposit the specified amount for the developers.
- Reviewing the Contract Deadline: By paying the specified amount, a contract is signed between the developer and the buyer. If the project ownership is not transferred to the applicant by the specified time, they can file a complaint against the seller or developer. It should be noted that delivery earlier than the agreed time does not occur.
- Adhering to Contract Obligations: If any of the buyers or developers do not comply with the laws and clauses in the contract, or if installment payments are not made on time, the company has the possibility to terminate the contract.
Methods for Buying Property and Investing in Installments in Dubai
There are different methods for investing and buying property in installments in Dubai, and this path can be followed using any of them. Here are a few of the most commonly used methods.
Direct Purchase from the Developer (Developer Plan)
Many large projects and prominent developers like Emaar, Damac, Sobha, Azizi, and Danube offer very good and suitable installment plans, which usually require a 10% to 20% down payment. Also, the installment payments for them take about 2 to 4 years until the project is delivered. In some other projects, installments may even be scheduled for 5 to 7 years after project delivery, making the payment terms easier.
Purchase via Bank Loan (Mortgage Plan)
If you have residency in the UAE, you can get a mortgage from local banks in the desired area. The loans offered for buying a home in installments in Dubai have a minimum down payment of 20%, and their repayment, with an annual interest rate of 3% to 5%, takes up to 25 years.
Post-Handover Plans
In the post-handover plan method, a portion of the amount is paid after the property is delivered. The buyer can schedule the installments after the project is completed or during completion. In this case, usually 10-20% of the amount is paid at the time of reservation, and the rest is done over a 3 to 10-year period.
Documents Required for Buying an Installment Home in Dubai
For buying a home in installments in Dubai by individuals and Iranians who have a residence card or by those who do not have residency, the required documents for investment are determined, which can be divided into two categories.
Documents required for Iranians without UAE residency
If you do not have residency and intend to invest in the UAE, you must prepare the following documents:
- Valid passport
- Identification card (for identity verification)
- Current residential address
- Initial payment documents (bank slip or currency transfer)
Documents required for purchase via bank loan
If you have UAE residency, you can prepare the following documents to receive local bank loans:
- Certificate of employment or income
- Bank account statement
- Valid UAE residency or visa documents
Best Areas to Choose for Buying an Installment Home in Dubai
Given the conditions and features of each area in Dubai, some of them have been introduced as special opportunities for investment, a few of which are listed in the table below.
| Area |
Features |
Average Price (AED/m²) |
| Dubai Marina |
Luxury, coastal, popular with tourists |
25,000 to 30,000 |
| Business Bay |
City center, near Burj Khalifa |
20,000 to 25,000 |
| Jumeirah Village Circle (JVC) |
Affordable price, excellent installment plans |
9,000 to 15,000 |
| Downtown Dubai |
Heart of the city, global brand |
30,000+ |
| Dubai Hills Estate |
A modern project from Emaar |
18,000 to 25,000 |
Steps to Buy an Installment Property in Dubai
To invest and participate in construction projects and buy a home in installments in Dubai, you must follow the stated steps and rules.
- Budget Estimation and Financial Planning: First, you must review and calculate your existing capital and potential expenses.
- Choosing a Suitable Project: In the first step, you must choose a suitable project from the available property opportunities that has an RERA permit.
- Visiting and Evaluating the Property: For the available investment options, there must be a possibility for an in-person visit to check the physical condition, amenities, project credibility, and work progress.
- Reviewing the Sales and Purchase Agreement (SPA): After determining the project and the developer, all payment terms, delivery time, and conditions and rules for contract termination must be reviewed to be aware of all sections.
- Obtaining a No Objection Certificate (NOC): To complete the ownership from the developer or investment company, obtain an NOC to show the property has no debt and the transfer is without problems.
- Making the Initial Down Payment: After selecting the project and property, you must deposit the initial down payment, which is usually 10% to 20% of the total amount, for the project.
- An official receipt must be received from the developer and uploaded and registered with the Dubai Land Department (DLD).
Buying an Installment Home in Dubai City with Dubiwoo
By buying a home in installments in Dubai, you can secure your financial future with an exceptional opportunity for a safe investment, obtaining long-term residency, and growing your dollar-based capital. To start this process, it is enough to get guidance from reputable international real estate consultants like Dubiwoo and, with their help, review the available projects and opportunities.
Frequently Asked Questions about Buying an Installment Home in Dubai
Can I get residency by buying an installment home in Dubai?
Yes, if the minimum investment amount in Dubai is 1 million dirhams, a two-year renewable residency can be obtained.
Do I have to be a resident of Dubai to buy an installment home in Dubai?
No, all individuals, whether residents or not, can invest in property projects in Dubai's free-hold zones. However, non-residents must provide a higher down payment compared to those who have residency.
