How Much Do You Really Need to Invest in Dubai Real Estate?

Dubai real estate is no longer just for the ultra-rich. It's increasingly attracting global investors — especially from India — looking for strong returns, a secure environment, and a global address.

But the first question we always get is: “How much do I really need to get started?”

Let’s break it down.

The Minimum Investment

To own property in Dubai, there’s no official minimum investment required.

But if you invest AED 750,000 (around ₹1.7 crore), you qualify for key benefits:
– A 2-year renewable residence visa
– Potential access to financing
– Entry-level apartments in popular areas like JVC or Dubai South

Golden Visa Threshold

To be eligible for a 10-year UAE Golden Visa, you need to invest at least AED 2 million, which is roughly ₹4.5 crore.

This can be across multiple properties or a single unit. Both off-plan and ready properties are eligible.

Some developers even structure payment plans to help Indian buyers reach this threshold easily.

What Do Properties Actually Cost?

Here are approximate starting prices (without going into a table):

– Studio apartments: from AED 500,000
– 1-bedroom units: from AED 900,000
– 2-bedroom apartments: from AED 1.3 million
– Townhouses or villas: from AED 2.5 million
– Luxury beachfront or penthouses: AED 10 million and above

Popular areas include Marina, Downtown, Business Bay, Dubai Hills, and Meydan.

Hidden Costs to Remember

When planning your budget, factor in these extras:
– 4% Dubai Land Department fee
– 2% broker or agency commission
– Developer fees for off-plan units (2–4%)
– Annual maintenance (AED 10–25 per sq ft)
– Optional furnishing (AED 25,000 and up)

Can Indian Buyers Get a Mortgage?

Yes. UAE banks offer mortgages to Indian nationals — even non-residents.

What you’ll need:
– 20–25% down payment
– A qualifying income
– Property must meet bank approval criteria

Loan terms are usually up to 25 years.

So, What Should You Budget?

It depends on your goal:

– Entry-level investment: around ₹1.5–2 crore
– Golden Visa eligibility: ₹4.5–6 crore
– Luxury lifestyle: ₹6–12 crore
– Ultra-luxury trophy homes: ₹15 crore and above

Final Thoughts

Dubai real estate is more accessible than you think — whether you're a first-time buyer or a seasoned investor from India.

If you're curious about which projects fit your budget or visa goals, get in touch. We'd be happy to guide you.