First-Time Buyer in Dubai? This New 2025 Scheme Changes Everything
The Dubai First-Time Home Buyer Programme was launched by the Dubai Land Department (DLD) and the Dubai Department of Economy and Tourism (DET) on 2 July 2025. The purpose of this new scheme is to attract UAE residents and expats to buy property in Dubai.
If you are a beginner in investing in the UAE property market, here is a detailed look at the First-Time Home Buyer Programme, which is specifically designed for you.
Who Is Eligible For the Programme?
To qualify for the First-Time Home Buyer Programme, you need to meet these requirements:
- You must be 18 years or older.
- You do not have a history of purchasing real estate Dubai before enrolling in this scheme.
- The property you want to buy must be below AED 5 million.
- There is no minimum salary requirement, but you must pass the eligibility checks of the participating banks.
How to Register for the First-Time Home Buyer Programme?
The process to register for the First-Time Home Buyer Programme in Dubai is digital-first and super easy. Follow these steps:
- Download the Dubai REST application or visit the Dubai Land Department’s official web portal.
- Log in to your account using Emirates ID credentials.
- Visit the First‑Time Buyer Program section on the main dashboard. It will take you to the detailed guide.
- Select apartments as per your preferences, like property type, budget, and apartment design.
- Determine preferred mode of contact.
After completing the formalities and submitting the email, you will get a confirmation email in return. In that email, you will be notified that your details have been forwarded to the relevant developers and financial institutions.
Then, developers will set aside units that fit what you’re looking for, and the partner banks will share personalized mortgage offers with you in about 5–7 working days. Partnered banks include:
- Commercial Bank of Dubai
- Dubai Islamic Bank
- Emirates NBD
- Emirates Islamic
- Mashreq bank
Once you’ve reserved your unit and received mortgage pre-approval, the next step is to sign the sales agreement and make your down payment. You can pay the DLD registration fee through the app or portal to buy property in Dubai. The programme also allows you to pay in interest-free installments.
After your application is approved, you’ll get a special First-Time Home Buyer QR code. This code gives you access to exclusive offers and benefits from partnered developers and banks.
Key Features and Benefits of Dubai First-Time Home Buyer Scheme
This new scheme offers several features and benefits that make ownership of UAE real estate more accessible and affordable for first-time buyers.
- You will be given priority access to property launches, including off-plan projects from top developers.
- You can quickly register and verify your details online through the Dubai REST app or the Dubai Land Department website. Everything is digital-first.
- Leading developers like Emaar, DAMAC, Nakheel, and others are on board, setting aside at least 10% of their properties for first-time buyers.
- Five partner banks are offering special mortgage deals with lower rates, fewer fees, and faster approvals to make financing easier.
- You can spread out your payments with easy plans, and even cover registration fees in interest-free installments if you use eligible cards.
- There are no limits on selling or renting out your home later.
- You can choose from a wide range of homes, including villas, apartments, and townhouses.
This program works like a rent-to-buy option in Dubai. It means it is designed for people who are renting right now but want to take the step toward owning their very first home in the city.
Goals of the First-Time Home Buyer Programme in Dubai
To grow the Dubai real estate sector and attract people to buy an apartment in Dubai, the government has launched a new scheme in 2025. The main goal of this programme is to make homeownership more accessible for first-time buyers.
1. Make New People Homeowners for the First Time
This initiative is for people who have not purchased any property in the UAE or Dubai before. Both UAE residents and expats can apply to this scheme and have their own home at affordable prices.
2. Support Long-term Residents
It urges people from all over the world to invest in the UAE real estate market and build a strong connection with the region. This programme offers an easy installment plan, which is an affordable path to owning a home in Dubai.
3. Boost Real Estate Market Stability
The programme encourages real first-time buyers to buy an apartment in Dubai. It keeps demand strong and helps the property market continue to grow. It’s part of Dubai’s long-term Economic Agenda D33, which aims to multiply the city’s economy by 2033.
4. Creating an Investor-Friendly Property Market
Another aim is to create an investor-friendly real estate hub for the world. With diverse investing options, first-time buyers can choose the most suitable apartments and villas in Dubai.
5. Developer and Buyer Collaboration
This plan encourages leading developers to allocate units to people who want to buy property in Dubai. It creates a more inclusive and collaborative environment for everyone in the real estate market.
Why the Dubai FTHB Program Is a Game Changer for the Real Estate Market?
Dubai’s long-term vision is to accommodate growing families and expats who make this city their permanent home. The UAE is rolling out new initiatives to make living here more appealing. The idea is to encourage people to stay long-term, bring their families, and feel a deeper sense of belonging. This not only supports a stable population but also strengthens community ties, all in line with Dubai Vision 2040.
This programme is part of Dubai’s Economic Agenda D33, which is all about growing and diversifying the economy. By helping more people buy their first home, Dubai wants to double the real estate sector’s contribution by 2033. More homeowners also mean more activity in areas like construction, banking, and other related services. This strategy helps strengthen Dubai’s economy as a whole.
Popular FAQs
Which is the best property to buy in Dubai?
The best property to buy in Dubai depends on your property preferences, budget, and the rental yield you want to get. However, the most popular one is Dubai Hills Estate you can consider for investing.
How much salary is required for a home loan in Dubai?
Salary is not the direct eligibility criterion, as it largely depends on the bank and your employment status. However, the AED 15,000 to AED 20,000 per month is a standard amount you should have for smooth processing.
Can I get residency in Dubai if I buy a house?
Yes, you can get a residency visa in Dubai by buying property. The minimum investment is usually AED 750,000, which makes you eligible for a 2-year renewable visa. If you invest more, you may qualify for longer visas like the Golden Visa.
Can I buy a house in Dubai as a foreigner?
Yes, foreigners can buy property in Dubai with full ownership rights, but only in designated freehold areas. You don’t need to be a UAE resident or citizen to purchase a home there.
