Buying guide
How overseas buyers buy property in Fujairah
What to know first
- 0% income tax and 0% capital gains tax — the same UAE-wide federal regime as Dubai and Abu Dhabi
- AED pegged to USD since 1997 — zero currency risk for dollar investors, identical to every other UAE market on this platform
- Fujairah's property transfer fee is 2% — half Dubai's 4% — but freehold ownership is limited to specific designated resort/residential zones rather than emirate-wide, a genuinely different framework from Dubai's broad freehold areas
- Fujairah Municipality — not Dubai Land Department/Trakheesi — is the registering authority here, a different regulatory body worth confirming permit and advertising requirements with a Fujairah-licensed broker
- The UAE Golden Visa (AED 2M+ investment) applies nationally, including Fujairah, but the local resale and mortgage market is far smaller and less liquid than Dubai or Abu Dhabi
The general process
- Confirm what foreigners may own in Fujairah and in which areas.
- Set your budget in AED, including taxes, fees and currency costs.
- Shortlist areas and check the developer or seller.
- Appoint an independent local lawyer before paying anything substantial.
- Reserve, sign the contract, and pay through the approved channel.
- 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
- Available but more limited than Dubai/Abu Dhabi — fewer UAE banks actively underwrite Fujairah resort-market mortgages for non-residents
- Typical rate
- UAE Central Bank base rate 3.65% (July 2026), tracking the US Federal Reserve via the AED/USD peg
- Notes
- Confirm lender appetite for the specific development before assuming mortgage financing is available — Fujairah's smaller market means fewer active lenders than in Dubai
Residency through property
- Programme
- UAE Golden Visa — a federal programme, not emirate-specific
- Threshold
- AED 2M+ property investment (same national threshold as Dubai/Abu Dhabi)
- Timeframe
- 10-year renewable residency, immediate on qualifying purchase
Taxes and running costs
- Income tax on rent
- 0% — same UAE-wide federal regime as Dubai and Abu Dhabi
- Capital gains tax
- 0% — zero CGT on property anywhere in the UAE
- Transfer tax or fees
- 2% Fujairah Municipality registration fee — half Dubai's 4% DLD fee
- Annual property costs
- Service charge varies by development; no annual property tax in Fujairah, as elsewhere in the UAE
See the full Fujairah market guide, or ask an adviser a specific question.
Fujairah shares the UAE's federal tax and currency framework with Dubai and Abu Dhabi, but registers property through Fujairah Municipality rather than DLD, limits freehold ownership to designated zones, and has a considerably smaller, less liquid resale market. Consult a Fujairah-licensed real estate broker and a UAE tax advisor before investing. General information, not legal, tax or financial advice.