TL; Dr:
Dubai The Land Department (DLD) first launched a home buyer program on 2 July 2025, offering a discount of up to 10% on priority access, flexible payment scheme and AED 5 million properties.- 18+ residents, with valid or migrants
Emirate ID And there is no former freehold ownership character in Dubai. - Since the launch, the developers report 1,000 inquiries daily and the AED records registered interest from thousands of buyers seeking houses under 1.5 million.
Designed jointly by Dubai Land Department (DLD) and the Department of Economy and Tourism (DET), the first home buyer initiative aims to reduce the ownership of property for the residents of UAE. As part of the economic vision D33 and real estate strategy 2033, it targets residents, both Amirati and Pravasi, who have not previously owned freehold houses in Dubai and are more than 18 with a legitimate Emirates ID. This applies to assets up to 5 million ($ 1.36 million) with no restrictions or lease restrictions. Benefits include:
- Project launch priority access
- Preferred pricing including selected off-pluns and prepared units
- Flexible mortgage solution through participant banks
- Zero-Boy DLD registration fee, payable in installments
Why so many buyers are signing up
Since the launch, developers such as EMAAR, DAMAC, Danube, Nakheel, and Azizi interrogated 500–1,000 per day. Realtors say that about 70% interest is for homes priced below 1.5 million, for the first time representing the wholesale of inquiries with buyers, according to the Khaleej Times, suggested a remarkable change towards people of the owners. The event is well aligned with Dubai’s demographic boom, its population is close to 4 million and is expected to reach 5.8 million by 2040 and provides the route from renting long -term inhabitants to ownership.
What makes the program attractive
- Priority access and better deals
Participants receive initial allocation for new launch before normal release, often with preferential pricing and discount. Developers are offering flexible payment plans such as 0.5% monthly installments or extended handover payment structures.
- Flexibility with zero-onion fee
Registration fee (generally 4%of property value) can be paid interest-free through installments. Partner banks, including Emirates NBD, Dubai Islamic, Mashrek and CBD, which provide hostage packages with low processing fees and quick approval.
- No ownership inheritance is required
Even exits having non-free or long-term fare properties in Dubai are eligible as long as they never owe freehold property.
Market time and strategic impact
Dubai’s real estate market remains dynamic, Q1 2025 recorded more than 14,000 deals of AED 44 billion, which grows over earlier years. Meanwhile, from the beginning of 2022, residential prices have climbed more than 60%, which fulfills the concerns of strength. CBRE and Night Frank analysts predict softening potential pricing at the end of 2025 and 2026, which is now a suitable window for entry level investment. The program plays directly in these trends: by reducing the upfront obstacles and providing better credit conditions, it attracts local people and working residents who are eager to invest and long -term settlement. Official estimates of the Dubai Land Department suggest that more than 110,000 new real estate investors entered the market in 2024 and the program aims to maintain or increase this speed.
How to apply for the first ‘house buyer loan
1. Confirm your eligibility
- You should be a UAE resident (Emerati or expat) aged 18 years or older, with no former freehold property ownership in legitimate Emirates ID and Dubai.
- If you meet the criteria, log in through the DLD website or Dubai Rest App to check it.
2. Register on the program portal
- Use DLD Portal or Dubai Rest App to register. Input your personal details and property preference (type, budget, payment scheme).
- If qualified is confirmed, you will receive one
Unique QR code through email or app. No registration fee is charged. - This QR code program acts as you have for benefits.
3. Select a property from eligible developers
- Use your QR code when you have participating developers such as Emaar, Nakheel, Damac, Azizi, Binghatti, Beyond Development and others.
- The properties should be priced below AED 5 million and qualify for average-or-average buyers.
4. Reserve your house
- Fill a reservation form and pay a deposit amount to secure your selected unit.
- The developer will verify your eligibility through your QR code.
5. Choose a partner bank and submit the funding documents
- DLD- Select one of the approved banks: Emirates NBD, Dubai Islamic, Emirates Islamic, Mashrek, or CBD.
- Submit your application with general documents: Salary Certificate or Vocational Income, Valid Emirates ID, Passport, Visa Copy and Bank Statement.
6. Mortgage processing and pre -approval
- The bank reviews your credit profile and releases pre-infinite within 3-7 working days.
- Horticulture teenners can grow up to 18 years, average rates of about 4% for a fixed period with interest rates. Banks can offer low processing fees under the program.
Qualified qualities include:
- Off-plan units with flexible mortgage and payment programs
- Ready-to-Move-in Apartments, Townhouse and Villa
- Relevant areas include
Dubai land residential complex (DLRC), Levan, Silicon Oasis,Al warson Marjan, JVC, Dabelland and Central Community
You can choose based on your budget and lifestyle preference while living under the AED 5 million program limit. Dubai’s first home buyer program is more than a real estate incentive, it is the cornerstone of the policy to encourage long -term residence and community building. With low cost financing, project access, pricing advantage, and inclusive eligibility, the program is strengthening end-users to become home owners. For the eligible residents who dream of ownership of property under AED 5 million, it is time to work.
