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[Home](https://dubairealestatecompany.com/)›[Dubai Property Guides](https://dubairealestatecompany.com/guides)›Buying property in Dubai as a Dutch national: the complete guideBuying property in Dubai as a Dutch national: the complete guide
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Dutch nationals can own property in Dubai outright. Since 2002, foreigners have had full freehold ownership rights in designated zones, and those zones now cover practically every community an international buyer would consider, from Downtown to Dubai South.

Step 1: Understand what you can own
-----------------------------------

Freehold means the property and its share of the land are yours: you can sell it, let it, and leave it to your heirs. You don't need a local partner and there is no lease construction. Title is registered at the Dubai Land Department (DLD) and evidenced by a title deed; for off-plan purchases you hold an *Oqood* (pre-registration) until handover.

Step 2: Budget the full cost stack
----------------------------------

- The purchase price itself. Note that off-plan payment plans spread it over the construction period, often 60/40 or 80/20.
- DLD fee: **4%** of the purchase price.
- Registration and admin: roughly AED 3.000–5.000.
- Agent fee: 2% + VAT on resale purchases. On off-plan launches the developer pays the agent, not you.
- The UAE has no annual property tax, no wealth tax and no capital-gains tax.

Step 3: The buying process
--------------------------

1. Orientation and shortlist. Define your budget, your purpose (own use, holiday, rental) and the communities you want to look at.
2. Reservation. For off-plan: a reservation form plus deposit (typically 5–20%). For resale: a signed MOU (Form F) plus a 10% cheque.
3. Sales agreement. Review the payment schedule, handover date and penalty clauses before you sign. Off-plan payments go into a DLD-supervised escrow account, a protection Dubai introduced after 2008 and enforces strictly.
4. Registration. Oqood or title transfer at the DLD.
5. Handover. Snagging inspection, final payment, keys and utilities.

Step 4: Think about the Dutch side
----------------------------------

Deregistering from the Netherlands changes your box 3 position; keeping Dutch tax residency means declaring the Dubai asset. Neither is a problem, but decide deliberately, with a cross-border tax advisor, before you sign.

Step 5: After the purchase
--------------------------

Letting (annual or holiday-let), property management, furnishing packages and eventual resale each have their own playbook. We handle all of them for our clients.

*Ready to start? [Contact us](/contact) for an intake. We'll build your shortlist within a week.*

Ready for the next step?

The Dubai-based sister of Dutch Real Estate Company: Dutch diligence, Dubai opportunity.
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