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Everything You Need to Know About Buying a Villa in UAE

August 3, 2023

Have you ever dreamed of owning your villa in the scenic, culturally rich city of Sharjah in the United Arab Emirates (UAE)? With its unique blend of traditional heritage and modern amenities, Sharjah has become an appealing property market.

Dive in to understand more about Sharjah’s real estate dynamics, explore sustainable community living opportunities, and learn how to navigate the villa-buying process in Sharjah.

Understand the Market

Your journey towards buying a villa in UAE starts with understanding the real estate market. The UAE’s unique property market features various property types, locations, and price points.
Sharjah, for example, is an evolving market, with sustainable initiatives like Sharjah Sustainable City leading growth and development. Familiarize yourself with current trends, property values, and future potential to make informed decisions.

Explore Different Locations

UAE has seven emirates, each offering a different lifestyle and amenities.
Sharjah has several sustainability programs in its pipeline. Sharjah Sustainable City is the emirate’s first sustainable master-planned community, this city integrates modern amenities, sustainable living, and an eco-friendly environment. The city offers a variety of villas equipped with smart home features, solar power, and greywater recycling systems, aligning with a future-focused lifestyle.

Meanwhile, Dubai is known for its luxurious lifestyle, vibrant nightlife, and world-class amenities. Abu Dhabi, on the other hand, offers a more laid-back lifestyle with its natural beauty and cultural heritage. It’s essential to explore different locations, considering your lifestyle preferences, work location, and family needs, before deciding how to buy a property.

Know the Buying Process

Buying a villa in the UAE is straightforward but requires understanding specific steps and legal requirements. To start, you must obtain an initial purchase agreement, which outlines the property’s details, price, and the terms of the deal. Both the buyer and the seller sign this agreement.

You must pay a specific sum as government fees upon reaching an agreement. The exact amount depends on the particulars of the agreement you’ve signed. Once this obligation is met, your next course of action will largely hinge on the payment terms you’ve agreed upon. If a mortgage is involved, an application for this form of financing typically follows. Once all these steps are completed, the final contract is signed, effectively transferring asset ownership.

Understanding the Costs Involved

Contrary to what many first-time buyers think, the down payment is one of many costs to consider when buying a property in the UAE. You also need to consider government fees, agency fees, sales progression fees, mortgage arrangement fees, and mortgage insurance fees.

It’s important to remember that various fees will come into play when purchasing. Make sure to account for these in your budget. If you opt for a mortgage, a certain proportion of the loan amount will be expected as a fee. Furthermore, registration charges based on the property’s worth will also apply.

Mortgage and Financing

When considering how to buy a property in the UAE, it’s essential to factor in financing. UAE has a robust banking sector that offers a variety of mortgage options for expats and locals. Mortgage rates can vary based on the bank, your income, the property type, and location. Ensure you understand the terms, the interest rates, and the repayment schedule before choosing a mortgage plan.

Buying Directly from Developers

You could consider buying directly from the developers instead of working with a real estate agent. Developers have a comprehensive understanding of the property, including its construction, unique features, and potential for appreciation.

When you buy directly from developers, they can provide you with all the specific details about the property. You also have more room for negotiation and customization, as developers often have flexibility in tailoring the property according to your needs and desires.

Understand the Legalities

The UAE property law welcomes foreign investors, allowing them to buy freehold property in designated areas. When buying a villa in UAE, it’s essential to understand the laws governing property ownership, transfer, and inheritance. It’s advisable to consult a legal advisor or your real estate agent to understand the implications of these laws and ensure a safe and secure property investment.

Buying a Villa at Sharjah Sustainable City

Sharjah Sustainable City offers an opportunity to buy a villa in UAE in a fully sustainable residential community. The villas in the city are also freehold estates.

The city features villas of different sizes and layouts, all designed to promote sustainable living. Purchasing a villa here involves contacting the sales team, who will guide you through the available options, prices, and financing options.

Once you select a villa, you will sign an initial purchase agreement and deposit a down payment. The process is streamlined, and the city’s sales team assists you throughout, ensuring a smooth transaction. The city also offers post-sale services and community management, providing a complete and convenient living solution.


Purchasing a villa in UAE involves understanding the market, exploring different locations, knowing the buying process, arranging for financing, working with a real estate agent, and understanding the legalities.
With the proper knowledge and approach, you can confidently navigate the process and invest in UAE’s thriving real estate market.