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  • Guide to Dubai Properties: Navigating Investment Options for Indian Investors

    With its gleaming skyscrapers, luxurious lifestyle, and promising economic prospects, Dubai has long been a magnet for investors worldwide. Indian investors eyeing Dubai properties must have two questions in mind. Can Indians invest in Dubai property? And if so, how?

    For the first question, yes, the Foreign Exchange Management Act (FEMA) of 1999 allows you to invest in the bustling real estate market of Dubai. In actuality, Indian investors account for over 25% of all foreign real estate investments in Dubai. Now, for the second question, you’ll find the answers in our comprehensive guide. We’re going to explore some lucrative Dubai property investment options for Indian investors.

    Why Do Indians Prefer Buying Property in Dubai?

    Economic fluctuations, a lack of incentives, and rising prices in the Indian property market are driving investors to seek returns elsewhere. And what’s better than the Dubai affordable properties? Here are a few reasons why Indian investors consider Dubai property a lucrative option:

    • Property costs in Dubai are more economical than in India, sold based on carpet area rather than built-up area.
    • Dubai offers tax-free returns of 8-10% and stable capital appreciation due to its currency (dirham) being pegged to the US dollar, shielding investors from currency fluctuations.
    • The Reserve Bank of India’s liberated remittance scheme allows Indian investors to transfer up to $250,000 (₹20.7 million) annually to Dubai.
    • Dubai’s property registration process is simpler and more efficient compared to India.
    • The golden visa allows Indians to stay, work, study, and sponsor families in the UAE for ten years upon purchasing property worth 2 million AED, or about ₹45.14 million at least. 
    • Comparatively, investors can acquire more space for their money in Dubai, for instance, In Mumbai, you can expect to get approximately 99 square meters of space for ₹82.89 million, whereas in Dubai, you would get around 162 square meters for the same price.

    Property Ownership Options for Indian Investors in Dubai

    When buying property in Dubai, you will come across two options: leasehold vs. freehold.

    1. Leasehold Property Ownership

    With this option, investors can hold ownership for up to 99 years. However, it’s important to note that ownership is over the property itself, not the land it sits on. However, as time runs out, the unit goes back to its initial owner, leaving the occupant with no rights to the land.

    Here are some advantages of leasing property in Dubai

    • You can extend your contracts.
    • Less liability for repairs and maintenance.
    • Lower upfront costs compared to the Freehold option.

    Where Should Indians Invest in Leasehold Property in Dubai?

    Leasehold properties are mainly found in certain areas, such as Dubai Silicon Oasis, Green Community, Jumeirah, and others.

    1. Freehold Property Ownership

    Opting for freehold properties grants Indians ownership of both the structure and the land it occupies. The Dubai Land Department (DLD) carefully registers the property under the buyer’s name and issues a Title Deed as proof of their ownership. This option is often recommended for those who are new to Dubai or are investing in property for the first time. 

    Here are some advantages of owning freehold property in Dubai

    • Legal heirs inherit the property automatically, even without a will.
    • Owners have control over the property and land for maintenance or renovation.
    • Freehold property ownership can result in a UAE resident visa.

    Where Should Indians Invest in Freehold Property in Dubai?

    Dubai Hills Estate, Dubai Marina, and Palm Jumeirah are renowned freehold areas known for their strong rental yields. Additionally, Dubai International City and Dubai Silicon Oasis are catching the attention of foreign investors, particularly those with more modest budgets.

    Ways to Start Investing in Dubai

    Here are five straightforward ways for Indian investors to start investing in Dubai’s thriving real estate industry:

    Off-Plan Properties

    Investing in off-plan properties in Dubai can be enticing due to their affordable pricing. These properties often appreciate in value as they near completion, offering potential profits. In addition, purchasing a property under construction offers flexible financing options, including the possibility of a down payment as low as 10%. 

    Ready Properties

    Ready-to-move-in apartments provide a secure investment option, allowing investors to inspect the property’s quality before purchase. Besides, owning a ready-made property means you can start earning rental income immediately after acquisition. According to Zawya, Dubai rents are set to climb 20% in 2024.

    Joint Ventures

    Joint ventures are getting more popular due to the versatility that the mechanism offers. Because joint venture agreements in Dubai are governed by the Companies Law, working with landowners who wish to develop their properties is made easier for seasoned developers. Indian joint venture investments in Dubai hit their peaks in 2023. 

    REITs Investments

    Real Estate Investment Trusts (REITs) offer the benefits of real estate investment without direct property ownership. This investment option generates income for investors through dividends and price appreciation. According to PWC’s research, the UAE ranked fourth globally for annual dividend yield from REITs, outperforming major players like the US, UK, Australia, Germany, and Singapore.

    Property Management Services

    Property management services relieve owners of the hassles of maintaining rental properties. These companies handle rent collection, repairs, and tenant relations, ensuring smooth operations. When selecting a property management company in Dubai, it’s essential to verify their licence, services, pricing, and transparency.

    Final Words

    Dubai’s real estate sector presents significant opportunities for Indian investors seeking diversification. By choosing the right investment strategy and adhering to regional laws, Indian investors can capitalise on Dubai’s expanding real estate market for a promising financial future.

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