NAS Luxury Real Estate

Buy Property in Abu Dhabi

Find Your Next Home or Investment in Abu Dhabi

Explore ready-to-move properties and off-plan developments across Abu Dhabi. From waterfront apartments to luxury villas, NAS Luxury Real Estate helps you compare available homes, understand the buying process and find a property that matches your requirements.

Ready & Off-Plan Explore different property types and buying options.
Abu Dhabi Communities Discover homes across established and growing locations.
Local Property Guidance Compare properties, arrange viewings and plan your purchase.
Abu Dhabi Property Buying Guide

What You Need to Know About Buying Property in Abu Dhabi

A clear starting point for your property purchase

Before buying property in Abu Dhabi, consider your total budget, preferred location, property type and ownership eligibility. You should also understand the differences between completed and off-plan homes, review available financing options and plan for any additional purchase expenses.

01

Choose the Right Type of Property

Compare completed apartments, villas and townhouses with off-plan developments. Consider the location, layout, payment schedule and expected occupancy before selecting a property.

02

Understand Your Total Purchase Budget

Your budget should include the property's agreed price and any applicable registration fees, brokerage commission, mortgage expenses and ongoing ownership costs. Request a transaction-specific breakdown before proceeding.

03

Check Ownership and Financing

Confirm that the selected property meets the ownership rules applicable to you. If you plan to use a mortgage, review your eligibility, down payment requirements and the lender's approval conditions.

Next: The Buying Process

Understand the steps from property selection to ownership.

How to Buy Property
Your Buying Journey

How to Buy Property in Abu Dhabi

Buying property in Abu Dhabi generally involves choosing a suitable home, confirming your budget and ownership eligibility, reviewing the purchase agreement and completing the applicable registration process. These five steps explain how to prepare for a ready-property or off-plan purchase.

  1. Search and Shortlist Properties

    Begin by comparing available properties in your preferred communities. Consider the asking price, property type, layout, location and available amenities. Arrange viewings for completed homes or review developer information for off-plan projects.

  2. Confirm Your Budget and Financing

    Calculate your available funds and the total amount required for your purchase. If you plan to use a mortgage, discuss eligibility and financing requirements with a lender. Include applicable registration, brokerage and mortgage expenses in your budget.

  3. Check the Property and Its Documents

    Before committing, verify the property's ownership details, relevant documentation and any applicable restrictions. For completed properties, inspect the home and review outstanding obligations where relevant. For off-plan purchases, review the developer's project and contractual information.

  4. Review and Sign the Purchase Agreement

    Confirm the agreed purchase price, payment schedule, deposit terms and any transaction-specific conditions. Review the responsibilities of each party and understand the relevant deadlines before signing the sale and purchase agreement.

  5. Complete Registration and Handover

    Complete the required payments, submit the transaction documents and follow the relevant registration procedure. A completed-property transfer normally concludes with registration of the new ownership and issuance of the applicable title document. Off-plan purchases follow their relevant registration and eventual handover process.

The exact steps, documents, fees and timing can vary depending on the property, ownership type and financing arrangement. Confirm the requirements for your particular transaction before proceeding.

Plan Your Purchase

Cost of Buying Property in Abu Dhabi

The asking price is only one part of your budget. Registration fees, brokerage commission, financing and ongoing ownership costs can affect the total amount needed to buy a home in Abu Dhabi.

2%Published completed-sale registration fee on the contract value (total transaction fee)
2%Regulated sale brokerage commission, capped at AED 500,000
AED 875Published DARI e-services fee for a standard completed sale

What Property Buyers Should Budget For

These are the main cost categories to confirm in your written transaction breakdown.

Property registration

DARI publishes a 2% completed-sale fee. The applicable rules generally provide for equal buyer–seller sharing unless agreed otherwise.

2% total

Brokerage commission

The regulated commission for sale contracts is 2%, up to AED 500,000. Confirm the payer and any applicable VAT.

2%

Registration e-services

The published DARI completed-sale electronic service fee; other transaction types may have different charges.

AED 875

Mortgage-related costs

If applicable, allow for lender valuation and arrangement charges. DARI's unit mortgage registration service lists 0.09% of the mortgage contract value, plus AED 450 electronic administration excluding VAT.

Varies

VAT and ongoing charges

Residential property supplies are generally exempt or qualifying first supplies are zero-rated. Taxable services, including brokerage where applicable, may attract 5% VAT. Check service charges and any transfer-related obligations.

As applicable

The down payment is part of the purchase price, not an additional fee. Confirm who pays each charge before signing the sale agreement.

Buying with Cash

Plan for the full agreed purchase price and your share of applicable transfer, brokerage and administration fees.

Buying with a Mortgage

Budget for your deposit, any fees not financed by the bank, valuation expenses and applicable mortgage-registration charges.

Buying Off-Plan

Review the developer's payment schedule, registration arrangements and charges payable at booking or contract signing.

Need a cost breakdown for a specific property?

Ask NAS Luxury for property details and confirm the applicable transaction fees before making an offer.

Speak to a Property Advisor

Official fee references: DARI sale registration, ADREC fee and brokerage rules, DARI mortgage registration and UAE Ministry of Finance VAT guidance. Confirm the latest requirements for your particular transaction.

Explore Your Buying Options

Ready-to-Move vs Off-Plan Property in Abu Dhabi

A ready-to-move property is a completed home that buyers can normally inspect before purchase. An off-plan property is purchased before construction is complete and follows its developer's contractual payment and handover schedule. Compare both options based on when you need the property, how you prefer to pay and what you can inspect before buying.

Ready-to-Move Properties

Explore completed apartments, villas and townhouses in Abu Dhabi. View the actual home and consider its condition, surroundings and current availability before proceeding.

  • Property statusConstruction is complete.
  • InspectionUsually possible before purchase, subject to access.
  • PaymentGenerally settled according to the agreed sale and mortgage terms.
  • OccupancyDepends on vacancy, transfer and handover conditions.
Explore Ready Properties
Architectural rendering of Yas Park Place, an off-plan residential development on Yas Island, Abu Dhabi NEW DEVELOPMENTS

Off-Plan Properties

Explore upcoming Abu Dhabi developments and compare floor plans, locations, developer payment schedules and estimated handover dates before selecting a project.

  • Property statusPurchased before construction is complete.
  • InspectionReview plans, renders, specifications and any available show unit.
  • PaymentOften follows staged instalments set out in the purchase agreement.
  • OccupancyFollows completion and the agreed handover process.
Explore Off-Plan Projects
At a Glance
Ready-to-Move Property
Off-Plan Property
What you purchase
Ready: An existing, completed property.
Off-plan: A home scheduled for future completion.
Before buying
Ready: Inspect the physical unit where access is available.
Off-plan: Review plans, developer documents and available project materials.
Payments
Ready: Follow the agreed resale or completed-property purchase terms.
Off-plan: Follow the developer's contractual instalment schedule.
Important checks
Ready: Condition, title, outstanding obligations and availability.
Off-plan: Developer, project registration, agreement and handover terms.

Need help comparing both options? NAS Luxury can help you explore available completed properties and current off-plan projects based on your budget, preferred community and intended use.

Speak to a Property Advisor

Finance Your Purchase

Mortgage Financing for Property Buyers in Abu Dhabi

A home loan may help eligible buyers finance a property in Abu Dhabi. Before making an offer, compare your available down payment, mortgage eligibility, expected monthly repayments and the additional costs of purchasing a home. Your approved loan amount depends on the lender's assessment and the property being purchased.

Mortgage term 25 years Maximum term under the UAE Central Bank's general mortgage-loan regulations. Your lender may approve a shorter term depending on your circumstances and its lending policy.
Eligible expatriate · First owner-occupied home up to AED 5 million 80% maximum financing

A minimum 20% buyer contribution at this regulatory limit, before applicable fees and other costs.

Eligible UAE national · First owner-occupied home up to AED 5 million 85% maximum financing

A minimum 15% buyer contribution at this regulatory limit, before applicable fees and other costs.

Off-plan property · All buyer categories 50% maximum financing

A regulatory ceiling, not a guarantee that mortgage finance is available for a particular development.

These are regulatory maximum loan-to-value ratios, not guaranteed offers. Different limits apply to second or investment homes and first homes above AED 5 million. Bank approval is also subject to affordability, valuation and eligibility.

How Does the Mortgage Process Work?

Four practical stages to understand before purchasing a property with a home loan.

  1. Assess Your Budget

    Review your income, existing debt, deposit and total purchase expenses before choosing a property.

  2. Request Pre-Approval

    Ask a lender to assess your eligibility and provide an indicative financing amount and terms.

  3. Valuation & Final Approval

    After selecting a property, complete the lender's valuation, document review and final credit checks.

  4. Register & Complete

    Arrange the required mortgage registration, complete the applicable transfer steps and follow the lender's disbursement process.

Illustrative ready-property purchase

What Could a 20% Down Payment Look Like?

Property priceAED 2,000,000
Illustrative loan at 80%AED 1,600,000
Illustrative down payment at 20%AED 400,000

Example assumes an eligible expatriate first-home borrower receiving the maximum 80% financing. Registration, agency, mortgage and other applicable expenses are additional. Actual approval and the bank's valuation may change the required contribution.

What Should Mortgage Buyers Check?

  • Monthly instalments, effective interest or profit rate and any variable-rate conditions.
  • Bank arrangement, valuation, insurance and mortgage-registration expenses.
  • Required identification, income evidence and property documentation.
  • Early-settlement conditions, payment deadlines and the lender's final offer.
  • Cash required for your deposit and purchase costs that the loan does not cover.

Looking for a Property to Buy in Abu Dhabi?

Compare available properties with NAS Luxury and discuss your purchase requirements with an advisor.

Speak to a Property Advisor

Source: UAE Central Bank mortgage-loan rules and the 2020 first-home LTV amendment. Always request a current, individual quotation from your lender.

Foreign Buyer Guide

Can Foreigners Buy Property in Abu Dhabi?

Yes. Foreign nationals can acquire property rights in Abu Dhabi's designated investment areas, subject to the legal status of the specific property. The 2019 ownership-law amendments expanded freehold rights in these areas, including eligible land. Buyers should confirm the ownership designation and title before signing a purchase agreement.

What should foreign buyers check before purchasing?

Ask for property-specific confirmation rather than relying on general descriptions of a neighbourhood or development.

  1. Verify the investment-area designation

    Confirm that the exact apartment, villa or plot is within an approved investment area and is eligible for the ownership rights being offered.

  2. Review the ownership right and title

    Check whether you are purchasing freehold ownership or another permitted right, and review the title document, development rules and any restrictions.

  3. Confirm the documents, costs and financing

    Check the required identification, purchase and registration documents. If financing the purchase, confirm the lender's eligibility rules, deposit and mortgage terms.

Examples of Established Investment-Area Locations

Property-level eligibility must still be checked
  • Saadiyat Island
  • Hudayriyat Island
  • Yas Island
  • Al Reem Island
  • Al Raha Beach
  • Jubail Island

These are examples, not a complete list of approved investment areas. Eligibility, title rights and available property types can differ within the same community.

Can non-residents buy property in Abu Dhabi?

Yes. Overseas buyers can purchase eligible properties in designated investment areas. Any mortgage approval, identity checks and registration documents depend on the buyer and the individual transaction.

Does buying property automatically give you UAE residency?

No. Property ownership and residence visas are separate processes. A qualifying investment may support a visa application under the applicable rules, but a visa is not issued automatically with a property purchase.

Explore Abu Dhabi Property Ownership with NAS Luxury

Discuss eligible listings, ownership documentation and next steps with a local property advisor.

Speak to a Property Advisor
Вопросы покупателей

Часто задаваемые вопросы о покупке недвижимости в Абу-Даби

Здесь вы найдете краткие ответы на распространенные вопросы о приобретении недвижимости в Абу-Даби, включая вопросы о праве собственности, затратах на покупку, ипотечных кредитах, готовых к заселению домах и объектах на стадии строительства.

Могут ли иностранцы приобретать недвижимость в Абу-Даби?

Да. Граждане стран, не входящих в состав ОАЭ, могут приобретать права собственности на недвижимость в определённых инвестиционных зонах Абу-Даби при условии соблюдения правил владения, которые применяются к конкретному объекту недвижимости и его местоположению. Перед совершением сделки покупателям следует уточнить текущий статус объекта недвижимости как инвестиционной зоны и условия владения .

Каковы основные расходы, связанные с покупкой недвижимости в Абу-Даби?

Покупателям следует заложить в бюджет стоимость недвижимости , а также соответствующие регистрационные сборы, комиссию риэлтора , расходы, связанные с ипотечным кредитом, если это применимо, и любые административные сборы, связанные с конкретной сделкой . При расчете общего бюджета следует также учитывать текущие расходы, такие как плата за коммунальные услуги .

Что лучше: приобрести готовую недвижимость или недвижимость на стадии строительства?

Выбор наиболее подходящего варианта зависит от ваших приоритетов. Недвижимость, готовая к заселению, как правило, можно осмотреть до покупки, и она может подойти покупателям , которые хотят получить готовое жилье в кратчайшие сроки. Недвижимость на стадии строительства приобретается в соответствии с графиком строительства и планом оплаты застройщика и может предоставить доступ к новым объектам и поэтапным платежам. Сравните оба варианта с учётом вашего бюджета, сроков и предполагаемого использования.

Могу ли я получить ипотечный кредит для покупки недвижимости в Абу-Даби?

Ипотечное финансирование предоставляется покупателям, соответствующим требованиям программы « », при условии одобрения со стороны кредитора, соблюдения требований к оценке стоимости недвижимости, установленных Агентством по жилищному кредитованию ( ), а также при соблюдении действующих ограничений по соотношению суммы кредита к стоимости недвижимости ( ). Ваш доход, существующие финансовые обязательства ( ), статус проживания ( ) и выбранный объект недвижимости могут повлиять на право на получение ипотечного кредита ( ) и на сумму ( ), которую кредитор готов предоставить.

Какую сумму необходимо внести авансом для приобретения недвижимости в Абу-Даби?

Размер первоначального взноса зависит от того, осуществляете ли вы покупку за наличные, с использованием ипотечного кредита или в рамках плана рассрочки при покупке недвижимости на стадии строительства. Помимо залога или первоначального взноса, покупателям следует заложить в бюджет соответствующие расходы на регистрацию, комиссионные брокерских компаний, финансирование и административные расходы, которые не включены в стоимость недвижимости.

Какие документы обычно требуются для приобретения недвижимости в Абу-Даби?

Перечень необходимых документов зависит от типа сделки, типа покупателя и способа финансирования. Частным покупателям , как правило, потребуется действующее удостоверение личности, , тогда как при сделках с ипотечным кредитованием требуется дополнительная документация, предоставляемая кредитором. Точные требования, касающиеся объекта недвижимости, продавца, застройщика и регистрации, следует уточнить до подписания договора купли-продажи.

Могут ли нерезиденты приобретать недвижимость в Абу-Даби?

Иностранные покупатели, не являющиеся резидентами, могут приобретать недвижимость, соответствующую требованиям программы « », в определённых инвестиционных районах ( ), с учётом правил, применимых к конкретному объекту недвижимости ( ). Варианты финансирования для нерезидентов ( ) могут отличаться от тех, которые доступны резидентам ОАЭ ( ), поэтому право на покупку ( ) и условия финансирования следует уточнить заранее.

Даёт ли покупка недвижимости в Абу-Даби автоматическое право на получение визы на проживание в ОАЭ?

Нет. Право собственности на недвижимость и право на проживание в ОАЭ — это отдельные вопросы. Некоторые владельцы недвижимости могут претендовать на получение вида на жительство, если они соответствуют применимым критериям отбора, однако сама по себе покупка недвижимости не гарантирует получение визы на проживание.

Где в Абу-Даби можно найти готовые к заселению объекты недвижимости?

Вы можете ознакомиться с актуальным перечнем готовых объектов недвижимости на сайте , а также на странице NAS Luxury Real Estate , посвящённой объектам, готовым к заселению в Абу-Даби . Информация о наличии, ценах и отдельных объектах недвижимости может изменяться по мере обновления базы данных .

Где в Абу-Даби можно найти объекты недвижимости на стадии строительства?

Ознакомьтесь с текущими и будущими жилыми проектами компании « » на странице «Недвижимость на стадии строительства в Абу-Даби» . Перед принятием решения изучите информацию о застройщике каждого проекта, график платежей, предполагаемую дату сдачи объекта и условия покупки.

У вас остались вопросы по недвижимости?

Обратитесь в компанию NAS Luxury, чтобы обсудить ваши требования к недвижимости в комплексе « » в Абу-Даби.

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