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Programme guides · UAE Golden Visa

UAE Golden Visa: Mortgaged and Off-Plan Property Can Qualify

Written by Global Immigrate consultants · Reviewed by Fergus Wu, Co-founder & Chief Immigration Consultant

Summary

The UAE Golden Visa property route requires property worth at least AED 2 million in total, which can combine several properties. Mortgaged and off-plan property can count with a no-objection certificate. How value is counted, other routes and the benefits.

Basic requirements of the property route

  • Property in the UAE worth at least AED 2,000,000 in total
  • Several properties can be combined
  • Held in the applicant’s own name

Mortgaged and off-plan property

Mortgaged, instalment or off-plan property totalling AED 2,000,000 can also count, with a no-objection certificate from the bank or developer.

How property value is counted

Generally by the registered purchase price, not current market value. Later market movements generally don’t affect a 10-year visa already granted.

Other routes

Route Requirement
Property Property worth AED 2,000,000 in total
Entrepreneur SME revenue from AED 1,000,000, or an innovative project from AED 500,000
Professional talent Based on profession and income

Compared with Dubai’s two-year investor visa

Dubai also offers a two-year property investor visa with a lower threshold but a shorter stay. With AED 2,000,000 invested, the 10-year Golden Visa is generally the more stable long-term choice.

Main benefits

  • 10-year residence, renewable
  • Generally no minimum stay
  • Spouse and children included
  • No personal income tax in the UAE
  • No local sponsor needed

Before you pay a deposit

  1. Confirm the property is registered in your own name
  2. Get a no-objection certificate for mortgaged or off-plan property
  3. Check the registered purchase prices total AED 2,000,000

FAQ

Will a fall in property value affect my Golden Visa?

It is generally based on the registered investment at approval; later market movements don’t affect residence already granted.

Can the Golden Visa lead to citizenship?

It is residence and does not lead directly to citizenship.

Do I need to live in the UAE?

Generally there is no minimum stay.

Sources

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