How Foreigners Buy Property in Dubai Safely: RERA Escrow Accounts, Oqood & Tax Rules (UK, EU & NRI Guide)
Updated 2026-10-22 · Indicative figures, not legal or tax advice
Foreigners can buy freehold property in designated areas of Dubai. These are the steps and protections that keep your money safe.
Freehold areas
Foreign buyers can own freehold title in designated zones, including Downtown, Dubai Marina, JVC, Dubai Hills and Business Bay.
RERA escrow and Oqood
Off-plan payments go into a RERA-supervised escrow account for that project. The purchase is registered as an Oqood with the Dubai Land Department.
Tax in your home country
Dubai does not tax rental income for individuals. UK, EU and Indian residents may still have to declare it at home. Ask a tax adviser in your country.
| Step | What happens | Protection |
|---|---|---|
| 1. Reservation | Booking deposit (often 5–10%) | Pay only to the project escrow |
| 2. SPA | Sales & Purchase Agreement signed | Check permit and payment plan |
| 3. Oqood / title | Registered with DLD | Official ownership record |
| 4. Payments | Instalments per plan | RERA escrow release by progress |
| 5. Handover | Snagging and keys | Title deed issued |
Frequently asked questions
- Can foreigners buy property in Dubai?
- Yes, foreigners can buy freehold property in designated areas with full ownership.
- What is an Oqood?
- The Dubai Land Department's registration of an off-plan purchase, issued before the final title deed.
- Do I pay tax on Dubai rental income?
- Not in Dubai for individuals, but your country of residence may tax it.