Real Estate

A Brief Guide to Buying a New House in the UAE

Being able to buy your first house is such a wholesome feeling. You’re finally capable enough to provide yourself and your beloved family a roof over their heads that’s under their absolute control. 

There won’t be any renting sessions or installment hassles involved. Everything starts to fall into place as you step inside your first-ever home. 

In the UAE, buying a house of your own is a challenge, as the property there is quite expensive. However, if you have finally reached that point, you need to ensure that whatever you lay your eyes on will be a good use of money in the future. This brief guide can help you in this regard. 


Turning a dream into reality can be quite difficult, especially if the goal is about buying the house of your dreams. What defines a home the most is its locality. 

If it’s situated in a place where your favorite spots are near, you will be okay with it in the future. 

Try to find a place where you can easily find a market, and there should be schools and colleges for your kids nearby. What’s more is that if you’re working in an office, consider its distance. 

You don’t want to spend your hard-earned money traveling unnecessary distances daily.

Also, be ready for variations in prices from place to place. The cost of buying a house in the UAE will vary depending on the location, size, and type of property you choose. 

For example, buying a home in Dubai will typically be more expensive than purchasing a similar property in Abu Dhabi or Sharjah. Also, the sustainable villas option in Sharjah are a lot cheaper than other places.

Size and Liquidity

When buying your first house, it’s okay to invest in villas directly. You never know when you will think about reselling and shifting to another place. That’s why when buying your first house in the UAE; it’s recommended to go for 3 bedroom villas.

Such homes are easy to resale, and you’ll often get more money in return compared to the amount you’ve spent on them. 


Before you head out on a journey, it’s always wise to use a map if you need to know the way to your destination. If you’re buying a house in the UAE for the first time, you probably need to become more familiar with the payment plans and stuff. 

To avoid this mess, it’s always a good idea to get a pre-approval mortgage. It encompasses all the important details regarding the interest rate, loan amount, processing fee, and much more finance-related information. 

You’ll be able to save yourself from a lot of hassle if you do this. 


This is the most important step in the process. Before you start looking, you need to know how much you can afford to spend on a house. Once you’ve sorted your budget, you can start looking for properties that fit your price range. 

Otherwise, you’ll waste a lot of time and be disappointed if your heart falls for a house that’s way out of your league. 

One of the biggest costs associated with buying a house is the mortgage. Mortgage rates in the UAE are currently around 4%, but this will vary depending on the lender and the terms of your mortgage. 

You will also need to factor in other costs, such as stamp duty, legal fees, and agent commissions, when calculating the total cost of your purchase.

Focus on the Home Inspection 

Most home inspections in the UAE will last for around two hours. The inspector will go through every nook and cranny of the property, checking for any signs of damage or wear and tear. They will also assess the condition of any appliances included in the sale.

After the inspection, you will be given a full report detailing the property’s condition. This report will be invaluable when negotiating a final price for the property. 

If there are any major problems with the property, you may decide to walk away from the deal altogether. 

However, if the report highlights only minor issues, you can use it to negotiate a lower price for the property.

Offer Time

Once you’ve found a property you like, it’s time to make an offer. If you’re working with a real estate agent, they will likely do most of the talking for you. However, it’s still important to be aware of what’s going on and be prepared to counter any offers the seller makes.

Suppose your offer is accepted; congratulations. You’re on your way to becoming a homeowner in the UAE.

Gather Your Documents

You can save plenty of your time by gathering all the documents required when you need to buy a new house in Dubai. All the papers are necessary, from the ones that ensure you’re a civilized citizen to the ones that show your net worth and your capability to afford the property you’ve laid your eyes on. 

If you keep these papers at hand, you won’t have to waste your time running from office to office to collect them. 

Written Contract

The final step is to make a written offer that includes all of the details of the sale, including the purchase price, financing terms, and any other special conditions. Once both parties have signed the contract, the deal is official, and you can start packing your boxes.


Buying a new house is a big step. Not only do you need to plan out exactly what kind of property you want and how much it should cost, but you also need to make sure that the property is in a good location, has enough space for all your needs and requirements, and will be easy to maintain. 

The least this guide can do is provide you with an outline, but you’ll have to write the whole story yourself. 

The luck will be on your side as you’ve come across the right blog post that’s enlightened you about the basics of buying a new house in the UAE.

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