Can I Buy Golden Visa Property on Installment in Dubai

Yes, you can qualify for the Dubai Golden Visa by purchasing property on an installment plan — but there are key rules. Here’s the 2025 expert guide to buying Golden Visa-eligible property in Dubai with financing or payment plans.

Introduction

Thinking about buying property in Dubai to get the UAE Golden Visa, but not sure if you can do it on an installment plan?

You’re not alone — many investors wonder if mortgage or payment plans still count toward the AED 2 million Golden Visa property requirement.

The short answer: Yes, you can.
But there are rules, conditions, and paperwork you need to get right. In this 2025 guide, we’ll break down exactly how installment payments, mortgages, and off-plan purchases work for Golden Visa eligibility.

Golden Visa Basics for Property Investors in 2025

Dubai’s real estate investor Golden Visa allows you to get a 10-year renewable residency if you invest AED 2 million or more in property.

Minimum investment: AED 2 million (≈ USD 545,000)
Property type: Completed or off-plan
Ownership: Can be sole or joint (combined equity must meet AED 2 million)
Benefits: Residency, family sponsorship, no income tax, long-term stability

New in 2025: The Dubai Land Department now accepts mortgaged or partially paid properties, as long as your equity (the amount you’ve actually paid) meets the AED 2 million threshold.

Buying on Installment — Yes, It’s Allowed

If you don’t want to pay the full AED 2 million upfront, you can still qualify by:

Mortgage financing (through a UAE bank)
Developer installment plans (off-plan or ready property)

The key is equity: You must have at least AED 2 million paid, not just promised in the contract.

The Bank NOC Requirement

For mortgaged properties, you’ll need a No Objection Certificate (NOC) from your bank stating:

The total property value
The amount you’ve paid so far
The remaining mortgage balance

This confirms to the authorities that your paid-up share meets Golden Visa rules.

Down Payment Rules: What Changed in 2025

In the past, Golden Visa applicants had to pay at least AED 1 million or 50% of the property value upfront before applying.

As of early 2025, this restriction is gone.
Now, the only official requirement is that your equity equals AED 2 million — regardless of the percentage paid.

Off-Plan Properties and Golden Visa

Yes, off-plan properties qualify — but with conditions:

You must have paid 50% of the property value, or
Have a bank guarantee covering the unpaid amount

The property must also be registered with an Oqood (off-plan registration certificate).

How to Apply for Golden Visa with Installment Property

Here’s the step-by-step:

Choose your property — worth AED 2 million or more (can be multiple units combined).
Secure your financing or installment plan.
If mortgaged — request a bank NOC showing paid equity.
Collect required documents:
- Passport copy
- Property Title Deed / Oqood
- Bank NOC
- Passport-size photos
- Medical fitness test result
- Emirates ID (if applicable)
Apply through:
- GDRFA-Dubai
- ICP (Federal Authority for Identity and Citizenship)
- Dubai Land Department Golden Visa services
Wait for approval — processing usually takes 2–6 weeks.

It’s also wise to be aware of common property-related scams—check out this useful guide on how to avoid traps when buying Golden Visa property in the UAE.

(How to Avoid Scams When Buying Golden Visa Property in the UAE)

Benefits of Buying Golden Visa Property on Installment

Flexibility: Spread payments without losing residency eligibility
Leverage: Use financing while keeping capital free for other investments
Income potential: Earn rental returns (5–10% yields in 2025 market) while enjoying visa benefits
Family sponsorship: Include spouse, children (any age), and domestic staff
Tax-free lifestyle: No personal income tax in Dubai

Expert Tips to Increase Approval Chances

Work with an approved bank or developer familiar with Golden Visa documentation
Maintain clear payment records — authorities want to see exact amounts paid
Avoid under-valuation — ensure the registered property value is AED 2 million+
Start early — apply as soon as your equity crosses the AED 2 million mark

Frequently Asked Questions (FAQ)

Q: Can I buy property with a 20% down payment and still get the Golden Visa?

A: Yes — if the property’s purchase value is at least AED 2 million, even if part of it is financed through a mortgage. You’ll need a title deed and a bank No Objection Certificate confirming the arrangement.

Q: Can I combine multiple properties to reach AED 2 million?

A: Yes. The total registered value of your share in all properties can be combined to meet the AED 2 million requirement, as long as each property is in your name.

Q: Do off-plan properties qualify?

A: Only after they are completed and you have the title deed, or if the developer has issued an Oqood (pre-title registration) and you’ve paid the required amount. Some cases require at least 50% paid or a bank guarantee for the balance—check with Dubai Land Department for your specific project.

Q: How long is the Golden Visa valid for property investors?

A: 10 years, renewable as long as you continue to own qualifying property worth at least AED 2 million.

Q: Can I apply from outside the UAE?

A: Yes. You can start the process if you meet the property value requirement and have all necessary documents, but you’ll need to visit the UAE for biometric verification and visa stamping.

Final Word — And Why You Should Get Expert Help

In 2025, buying Golden Visa property on installment in Dubai is not only possible — it’s easier than ever. The removal of down-payment restrictions means more flexibility for investors, especially those leveraging financing or buying off-plan.

However, the process is document-sensitive. A single missing paper, like the bank NOC, can delay or reject your application.

That’s where Golden Visa UAE comes in.