Dubai Launches Landmark “ First‑Time Home Buyer Program “

First‑Time Home Buyer Program

Dubai has unveiled a groundbreaking initiative to make homeownership more accessible than ever — especially for first-time buyers. This strategic move supports both long-term residency and economic growth, reinforcing Dubai’s position as a global real estate leader.


Who Can Apply?

  • All UAE residents (regardless of nationality)
  • Over 18 years old
  • Must not already own a freehold residential property in Dubai
  • Property must be valued at AED 5 million or less

What Does the Program Offer?

  • Priority access to new off-plan launches from top-tier developers
  • Preferential pricing on eligible residential units
  • Tailored mortgage packages and flexible payment plans from partnered banks
  • Zero-interest installment option for DLD registration fees (payable over 2 years)

Who’s Involved?

The initiative brings together:

  • Leading Developers: Including Emaar, DAMAC, Nakheel, Meraas, Azizi, Binghatti, Danube, Ellington, Wasl, Majid Al Futtaim, and more
  • Major Banks: Including Emirates NBD, Dubai Islamic Bank, Mashreq, Emirates Islamic, and Commercial Bank of Dubai

Why This Matters

This initiative is part of Dubai’s broader Real Estate Strategy 2033 and aligns with its Economic Agenda D33. The goal is to:

  • Stimulate real estate investment
  • Empower residents with long-term ownership
  • Create social stability and financial growth opportunities
  • Increase transparency, accessibility, and affordability in the market

How It Works: Step-by-Step

  1. Eligibility Check
    • UAE resident (any nationality)
    • Over 18 years old
    • Must not own any freehold property in Dubai
    • Property must be priced under AED 5 million
  2. Register Online
  3. Get Approved & Receive QR Code
    • Once approved, you’ll get a unique QR code that gives you access to all the programme benefits
  4. Choose a Property
    • Browse options from partnered developers (e.g., Emaar, DAMAC, Nakheel, Danube, etc.)
    • Get priority access to launches before the general public
  5. Secure Financing
    • Choose from partner banks with tailored mortgage products, low rates, and flexible payment plans
  6. Special Fee Arrangement
    • Pay DLD registration fees in 2-year instalments (instead of upfront 4% payment)

What Makes It Different from a Regular Market Purchase?

FeatureFirst-Time Buyer ProgrammeRegular Market Purchase
EligibilityOnly for first-time buyers in DubaiOpen to all buyers
Price LimitMax AED 5M property valueNo limit
Access to ProjectsPriority access before public salesStandard public sales
PricingPreferential pricing on selected launchesMarket pricing
Mortgage OptionsTailored by partner banksStandard bank offers
DLD FeesInstallment option over 2 years4% paid upfront
Developer NetworkRestricted to approved developersAny developer or private seller
Government SupportBacked by DLD and Dubai Economic AgendaNo special support

Summary

Dubai’s First-Time Home Buyer Programme is not just a discount scheme — it’s a strategic, government-backed pathway to help new buyers enter the property market with:

  • Lower financial barriers
  • Early access to the best projects
  • Custom mortgage and fee structures
  • Full regulatory support from DLD

This creates a low-risk, high-confidence environment — perfect for both end-users and long-term investors entering the Dubai market for the first time.

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