1. Financial Budget Questions
1. What is my total budget — including ALL Dubai property fees?
Dubai property purchases include several mandatory costs such as:
- 4% Dubai Land Department (DLD) Transfer Fee
- 2–3% Agency Commission
- AED 4,000 Trustee Registration Fee
- NOC fees (ready properties)
- Service charges per sq.ft
Always calculate your full investment cost — not just the property price.
2. Is this property right for my financial goals?
Ask yourself:
- Am I buying for capital appreciation or rental income?
- Am I looking for long-term ROI or short-term gains?
- Is this property located in an area with high future potential?
3. Should I buy off-plan or ready?
Each option has advantages:
- Ready: Immediate move-in or rental yield
- Off-plan: Lower entry price + flexible payment plans
4. Do I qualify for a mortgage in the UAE?
Mortgage rules differ for residents, expats, and non-residents.
Check:
- Down payment required
- Maximum loan amount
- Interest rate
- Early settlement fees
5. Can I manage mortgage payments comfortably?
Your monthly mortgage should not exceed:
👉 30–35% of your monthly income
2. Property Selection Questions
6. What is the exact property size and usable area?
Built-up area ≠ usable area.
Always verify the net space.
7. What are the service charges?
Dubai service charges vary by building and can impact ROI.
Typical range: AED 10–25 per sq.ft per year
8. What is the rental demand in this area?
Research:
- Occupancy rates
- Typical rent for similar units
- Short-term vs long-term potential
9. Are there upcoming projects or developments nearby?
Future malls, metro lines, or schools increase property value.
10. Who is the developer and what is their reputation?
Check:
- Delivery track record
- Quality of previous buildings
- Community management
3. Legal Documentation Questions
11. Is the property freehold or leasehold?
Dubai has both.
Freehold = Full ownership
Leasehold = 30–99 years
12. Is the property RERA-compliant?
Verify RERA documents:
- SPA (Sale Purchase Agreement)
- Project number
- Completion date (for off-plan)
- Escrow account
13. Are there any outstanding payments, mortgages, or service charge dues?
Always request:
- NOC from developer
- Final service charge clearance
4. Lifestyle Practical Questions
14. Is the location suitable for my lifestyle?
Check:
- Distance to work
- Schools
- Shopping centers
- Metro access
- Traffic patterns
15. What amenities does the building/community offer?
Examples:
- Pool
- Gym
- Kids’ area
- Parking
- Security
16. Are there any noise issues or construction nearby?
Visit the area morning + evening before making a decision.
5. Resale ROI Questions
17. What is the expected ROI in this area?
Popular Dubai ROI averages:
- Studios: 7–9%
- 1BHK: 6.5–8%
- 2BHK: 5–7%
18. How easy is it to resell the property?
Look at:
- Market liquidity
- Popularity of the community
- Average days on market
19. Will the property appreciate in value?
Check:
- Area growth plans
- Developer reputation
- Historical price trends
20. What is my long-term exit strategy?
Options:
- Rent out
- Sell
- Flip
- Hold for 5–10 years
Your strategy determines the best type of property.
📌 Final Advice for Buyers in Dubai
Dubai is one of the strongest and fastest-growing real estate markets in the world—but smart buyers ask the right questions.
Use this checklist before making any decision to ensure:
✔ Strong ROI
✔ Safe investment
✔ Zero surprises
✔ Long-term value
