How overseas buyers buy property in Abu Dhabi

What to know first

• Lower transfer fee (2%) than Dubai (4%) — saves on entry cost
• Sovereign wealth backed economy — world's most capitalised city per capita
• Saadiyat Island and Yas Island driving premium lifestyle demand
• UNESCO World Heritage-adjacent (Al Ain) attracting cultural tourism
• 0% income and capital gains tax — same as Dubai

The general process

1. Confirm what foreigners may own in Abu Dhabi and in which areas.
2. Set your budget in AED, including taxes, fees and currency costs.
3. Shortlist areas and check the developer or seller.
4. Appoint an independent local lawyer before paying anything substantial.
5. Reserve, sign the contract, and pay through the approved channel.
6. Complete registration, and take tax advice in both countries on any rent or sale.

The exact steps and order differ by country and by project.

Financing for foreign buyers

Maximum loan to value

Up to 50% for non-residents

Typical rate

4.5–6.5% p.a.

Notes

Same UAE mortgage framework as Dubai; ADIB and FAB active lenders

Residency through property

Programme

Golden Visa

Threshold

AED 2M+ property investment

Timeframe

10-year renewable residency

Taxes and running costs

Income tax on rent

0%

Capital gains tax

0%

Transfer tax or fees

2% ADM registration fee (lower than Dubai)

Annual property costs

Service charge varies by development

Area guides in Abu Dhabi