Golden Visa Property Requirement: A Simple Breakdown for Investors

For international investors, the UAE Golden Visa is more than just a residency permit; it’s a gateway to long-term stability, freedom, and opportunity in one of the world’s most dynamic markets. One of the most popular ways to secure this 10-year residency is through real estate investment.

But what exactly are the rules in 2025? At Providential Properties Management, we often hear questions about minimum investment amounts, mortgages, and off-plan properties.

Here is a simple, no-nonsense breakdown of the property requirements you need to meet to qualify for the UAE Golden Visa.

The Magic Number: AED 2 Million

The core requirement is straightforward: you must own a property (or a group of properties) with a total value of AED 2 million (approx. USD 545,000) or more.

Unlike previous years, you do not need to pay this entire amount in cash upfront to qualify. The rules have evolved to be more investor-friendly.

Key Rules You Need to Know (2025 Update)

1. No Minimum Down Payment

In a major update that has opened the door for many investors, the previous requirement for a minimum down payment (often 50% or AED 1 million) has been removed.

• The Rule: As long as the property’s value on the title deed or Sales and Purchase Agreement (SPA) is at least AED 2 million, you are eligible to apply, regardless of how much you have paid off or if the property is mortgaged.

2. Mortgages are Allowed

You can finance your property purchase with a mortgage from a local bank.

• The Rule: Even if the property is mortgaged, you qualify for the Golden Visa immediately upon purchase, provided the total value of the property is AED 2 million+. You do not need to wait until the mortgage is paid off.

3. Off-Plan Properties Qualify

You don’t need to buy a ready-to-move-in home. Off-plan properties (under construction) are fully eligible.

• The Rule: You can apply for the Golden Visa if you buy an off-plan property from an approved local real estate developer worth AED 2 million or more. This is a fantastic option for investors looking to capitalize on lower entry prices and capital appreciation.

4. Shared Ownership (Husband and Wife)

If a married couple buys a property together, they can share the investment value.

• The Rule: As long as the total value of the shared property is AED 2 million or more, both spouses (and their children) can apply for the Golden Visa. (Note: For unrelated investors, each individual’s share must typically be valued at AED 2 million).

Why the Golden Visa is Worth It

Securing this visa offers benefits that go far beyond a simple residence permit:

• 10-Year Validity: Renewable residence visa valid for 10 years.
• Sponsorship: Ability to sponsor your spouse and children (regardless of their age).
• Extended Absence: You can stay outside the UAE for more than 6 months without your visa becoming invalid.
• Security: A sense of long-term belonging and stability in the UAE.

Your Path to Residency with Providential Properties

The process is simpler than ever, but choosing the right qualifying property is key. At Providential Properties Management, we specialize in identifying high-potential investment properties that not only meet the Golden Visa criteria but also offer strong ROI.

Whether you are looking for a luxury villa on Saadiyat Island or a portfolio of apartments on Al Reem Island to meet the AED 2 million threshold, we can guide you every step of the way.

Contact Providential Properties Management today to find your Golden Visa-eligible property and start your journey to long-term UAE residency.