Apartments for sale in Dubai are best read through Dubai Land Department (DLD) registered transaction data, not portal asking prices. In the 12 months to July 2026, the citywide median 1-bedroom apartment sold for AED 1.27 million, while area medians across all apartment sizes ranged from AED 1.03 million in Jumeirah Village Circle to AED 3.08 million in Downtown Dubai (dataHabibi analysis of DLD records, 11 July 2026). Before you view anything, you need the full cost: a 4% DLD registration fee on the price, service charges, and for many buyers mortgage or off-plan costs. This guide is a dated buyer’s brief, built from official DLD pages and third-party analyses of registered sales. Dubai Homes does not sell property; see how Dubai Homes sources and dates every figure.
Key takeaways
- Area medians from 12 months of DLD registered sales to July 2026 range from AED 1.03M (JVC) to AED 3.08M (Downtown); price per sq ft is the better floor-plan comparison.
- Add at least 4% DLD registration fee, trustee and title deed fees, and service charges before you compare with the advertised price.
- Off-plan escrow protects payments but not delivery, specification or delay; verify the developer’s registration and the building’s approved service-charge budget.
- Non-residents can buy freehold in designated areas with a passport and, if needed, a notarised power of attorney; mortgages and golden visas have their own conditions.
- The same AED 1.27M budget converts to roughly GH₵4.03M or N465.7M at 6 November 2026 rates, but Accra and Lagos figures are asking prices, not DLD transactions.
Source: Dubai Land Department and dataHabibi, November 2026
Start with the numbers: what apartments for sale in Dubai cost by area
These are medians from 12 months of DLD registered apartment sales to July 2026, not asking prices. Every area median covers all apartment sizes, so a 1-bed could be below or above it; the price per sq ft is the better comparison when floor plans differ.
| Area | Median all-apartment sale (AED) | Median price per sq ft (AED) | 12-month sales count |
|---|---|---|---|
| Jumeirah Village Circle | 1,030,000 | 1,500 | 14,556 |
| Dubai South | 1,100,000 | 1,380 | 6,417 |
| Business Bay | 1,940,000 | 2,576 | 11,402 |
| Dubai Marina | 2,050,000 | 2,202 | 2,775 |
| Dubai Hills Estate | 2,360,000 | 2,456 | 3,240 |
| Downtown Dubai | 3,080,000 | 3,146 | 2,889 |
| Palm Jumeirah | Not published | 3,563 | Not shown |
Source: dataHabibi analysis of Dubai Land Department sales, 11 July 2026, https://datahabibi.ae/blog/buying-an-apartment-in-dubai. Palm Jumeirah appears on that page only as a price-per-sq-ft tier; no median price or sales count is given.
Source: dataHabibi analysis of Dubai Land Department sales, 11 July 2026
Price per sq ft matters because a low price per sq ft in a building with a high service charge can produce a higher annual ownership cost than a more expensive area with a lower service charge. Use the area median as a starting point, then pull the exact building’s service-charge budget before you decide.
Entry-level: JVC and Dubai South
JVC had the most apartment registrations in this sample, 14,556 sales, with a median all-apartment sale of AED 1.03M at AED 1,500 per sq ft. Dubai South’s median was AED 1.10M at AED 1,380 per sq ft from 6,417 sales.
Under AED 100,000? No source used for this guide showed a DLD-registered sale or a licensed Dubai listing at that price. Treat an offer under AED 100,000 as a warning sign, and verify the title and the broker’s licence on the DLD licensed-broker list before paying anything.
Mid-market: Business Bay and Dubai Marina
Business Bay median all-apartment sale AED 1.94M (AED 2,576 per sq ft, 11,402 sales); Dubai Marina AED 2.05M (AED 2,202 per sq ft, 2,775). Marina’s lower price per sq ft does not make it cheaper to hold: its typical service charge is higher than Business Bay’s, which changes the annual cost. Check the service-charge section below.
Prime: Downtown, Dubai Hills and Palm Jumeirah
Downtown Dubai median AED 3.08M (AED 3,146 per sq ft, 2,889 sales); Dubai Hills Estate AED 2.36M (AED 2,456 per sq ft, 3,240). Palm Jumeirah appears only as AED 3,563 per sq ft with no median price or sales count, so do not treat that one figure as a full market median. Engel & Völkers/Property Monitor compiled average price per sq ft for apartments from 1 January to 6 June 2026: JVC 1,510, Business Bay 2,547, Dubai Marina 2,058, Downtown 3,011, Dubai Hills 2,432 and Palm Jumeirah 4,240. Those are averages over a shorter period and should not be mixed with the medians above.
What ‘apartment for sale in Dubai’ means legally
An apartment for sale in Dubai is a registered title transfer in the Dubai Land Department. A licensed broker must be on the RERA list, and the title should be verifiable through DLD before you pay.
Freehold, leasehold and designated areas
Foreigners, including non-residents, may acquire freehold ownership without restriction or usufruct/leasehold up to 99 years in designated areas, according to the UAE Government’s expatriate property page. That page does not list the areas, so confirm the specific community with DLD before you sign anything.
DLD, RERA and the broker register
DLD publishes the list of brokers licensed by RERA in Dubai. Verify the broker’s name on the DLD list before sharing documents or money. RERA licenses the brokers on that list and approves building service charges.
Off-plan, ready and handover
Off-plan means buying before completion; Oqood is DLD’s off-plan contract registration system. Ready means the building is complete and titled. Handover is the date the developer transfers the completed unit; snagging is the inspection process for defects. A reservation form or brochure is not title, and no transfer should happen outside the registered DLD process.
The full purchase cost, not just the advertised price
The advertised price is only part of the cost. Official DLD fees include the 4% registration fee on the sales value, AED 4,200 trustee-centre fee (including VAT) at AED 500,000 or more, AED 250 title deed, and 0.25% mortgage registration if you borrow. Agency and bank fees are market estimates, not official DLD rates.
- DLD registration fee: 4% of the sale value. DLD’s sale-registration page describes a statutory split of 2% seller and 2% buyer, but DLD’s 31 May 2021 news release describes the registration fee as 4% of the property value, which the buyer submits, and Engel & Völkers (25 Aug 2026) says it is "usually paid by the buyer", which is market practice rather than law, so confirm who pays in yours.
- Trustee / service-partner fee: AED 4,000 + VAT (AED 4,200) for properties at AED 500,000 or more; AED 2,000 + VAT below that.
- Title deed issuance: AED 250.
- Mortgage registration: 0.25% of the mortgage value, plus AED 250 title deed fee and AED 4,000 + VAT service-partner fee, from the DLD mortgage registration page.
- Agency commission: commonly 2% + 5% VAT (buyer side), from a broker blog dated 30 April 2026 and updated 16 July 2026. This is a market estimate and negotiable; the DLD pages used for this guide do not state a statutory rate.
- Bank arrangement fee: about 1% of the loan; valuation AED 2,500-3,500, from the Real Estate Club Dubai fee guide, updated 16 July 2026. Property Finder’s 17 May 2026 guide gives a wider range: bank processing of 0.25-1.05% of the loan and valuation of AED 2,500-5,000. These are indicative and vary by lender.
Cash purchase
Worked cash example: citywide median 1-bed at AED 1.27M. DLD registration fee 4% = AED 50,800; trustee fee AED 4,200; title deed AED 250; agency 2% + 5% VAT = AED 26,670. Total of the itemised costs above, before service charges: AED 1,351,920. It leaves out other DLD sale-registration charges, such as the unified map fee and any knowledge or innovation fees, and the DLD admin fee that brokers quote, because those amounts were not confirmed. As a cross-check, Property Finder (17 May 2026) puts total transaction costs at 5-10% of value and Real Estate Club Dubai (updated 16 July 2026) at 7-9%; this example works out at about 6.5%, so treat it as a floor, not the full total. The agency figure is a market estimate; if you negotiate it lower, the total falls.
Mortgage purchase
For a mortgage, add mortgage registration 0.25% of the loan, bank arrangement about 1% and valuation AED 2,500-3,500; the down payment depends on the lender. As an illustration only, if a lender gave 60% loan-to-value on AED 1.27M, the loan would be AED 762,000, mortgage registration AED 1,905, arrangement about AED 7,620 and valuation about AED 3,000, using the Real Estate Club Dubai broker-blog figures (about 1% and AED 2,500-3,500) rather than Property Finder’s wider ranges. LTV and rates vary by lender and are not confirmed here; ask each lender for written, dated terms.
Off-plan purchase
Off-plan initial sale: DLD requires registration in the provisional register (Oqood) within 90 days, and the seller and purchaser each pay 2% of the sale value, plus AED 10 knowledge and AED 10 innovation fees, from the DLD initial-sale page. A reservation fee is not the whole story; confirm the project’s registered escrow account and payment plan before paying. All money received from off-plan buyers must be deposited into the project escrow account, and developers must retain 5% of the escrow total for one year after completion, according to DLD’s FAQ.
Ongoing costs: service charges and how to work out yield
Service charges are a recurring cost and vary by building. A broker’s database compiled from RERA indexes in February 2026 gives indicative area midpoints of AED 10 per sq ft per year in Dubai South/Expo City to AED 35 in Palm Jumeirah; actual building ranges are wide, so always pull the building’s own figure. As an indicative comparison, a 1,000 sq ft apartment at these area figures would carry about AED 12,000 a year in JVC, AED 22,000 in Dubai Marina and AED 28,000 in Downtown, before any district cooling; 1,000 sq ft is a round example, not a typical unit.
Source: Real Estate Club Dubai (compiled from RERA published indexes), 15 February 2026
What a service charge covers
The service charge is the building’s RERA-approved budget, and the DLD Service Charge Index shows it alongside any arrears. District cooling can be extra: one broker database notes an additional AED 2,000-6,000 per year in Downtown and Marina. Ask whether the quoted service charge is an all-in RERA-approved budget or excludes chiller.
How to check a building’s service charge
Use the DLD Service Charge Index. Enter the title deed number, project, usage or year, or search the map, to see the RERA-approved service charge and any arrears. Do not rely on an agent’s summary.
Gross yield is not net yield
Gross yield is annual rent divided by purchase price. The JVC inputs available are a median registered apartment price of AED 1.03M (all apartment sizes), a median 1-bed Ejari rent of AED 67,000 and a service charge of about AED 12 per sq ft per year (range 9-16). Net yield subtracts the service charge (per sq ft × the unit’s size), management fees, vacancy and any chiller charge from the rent before dividing by the price. The price covers all apartment sizes while the rent is for a 1-bed, so the two do not describe the same unit, and size, vacancy, management and chiller inputs would be your own assumptions. Treat this as a formula, not a forecast or a promise of return.
Ejari registration costs AED 177.75 online or AED 220 at a trustee centre per tenancy or renewal, from the DLD Ejari page. DLD names the tenant, or a legal representative with power of attorney, as the applicant for Ejari registration.
Ready or off-plan? Delivery risk and resale liquidity
Ready means the building is complete and titled, so you can check the title before you pay; off-plan means buying before completion, with payments held in an escrow account while delivery is still to come. If delivery risk worries you, ready is the lower-risk choice; consider off-plan only after checking the developer’s registration, escrow account and permits. The table compares the two on the points the sources cover.
| Point | Ready | Off-plan |
|---|---|---|
| Payment protection | Title can be verified through DLD before you pay | All buyer money goes into a project escrow account; releases to the developer need a recent DLD technical report |
| Delivery risk | Building is complete and titled | Escrow does not guarantee delivery, specification or timing |
| Fees | 4% DLD registration fee, AED 4,200 trustee-centre fee at AED 500,000 or more, AED 250 title deed | Seller and purchaser each pay 2% of sale value (buyers typically pay the full 4% in practice), plus AED 10 knowledge and AED 10 innovation fees; contract registered in Oqood within 90 days |
| Mortgage | Mortgage registration is 0.25% of the mortgage value; the lender sets LTV and rate | Ask the lender whether it finances the unit before handover and on what terms, in writing |
| Share of October 2026 sales (all home types) | Ready homes were 36.1% of October 2026 DLD home registrations (all home types) | Off-plan was almost two-thirds of October 2026 DLD home sales (all home types) |
Escrow protects buyer payments in the regulated structure but does not remove delivery, specification or delay risk. DLD’s FAQ confirms all off-plan buyer money goes into an escrow account, and, per the DLD Escrow Account activation page, releases to the developer need a recent DLD technical report, not older than 3 months, with no red flags.
What escrow does and does not cover
Escrow is a payment-handling safeguard: the developer cannot simply draw the funds. It does not guarantee that the project will be delivered on time, to the promised specification, or at all. Check the developer’s registration, escrow account, permits, payment plan, handover date and snagging process before paying a reservation fee.
Handover and snagging
Developer project registration requires freehold or long-term lease land, a title deed, Trakheesi developer registration, final permits and an escrow account, from the DLD Register Project page. Ask for these.
Exit and resale
Area sales counts show how much trading took place, not how quickly you could sell, because they are not adjusted for the amount of stock: JVC 14,556, Business Bay 11,402, Dubai South 6,417, Dubai Hills 3,240, Downtown 2,889, Dubai Marina 2,775; Palm Jumeirah had no count shown. Citywide, off-plan was almost two-thirds of October 2026 DLD home sales, and ready homes were 36.1% of registrations, according to Projectory using data available on 2 November. That is all home types, not apartments only, and it describes primary-market share rather than resale. How easy resale is and how long a unit takes to sell are not covered by the sources used for this guide.
Can a non-resident buy? Mortgages, visas and paperwork
Yes, in designated freehold areas, foreigners including non-residents can buy, and a non-resident can transact with a valid passport and, if not attending, a representative holding a notarised power of attorney. DLD’s sale-registration page states that foreign-language documents must be attested and translated into Arabic. Confirm the document, attestation and power-of-attorney requirements with a DLD trustee centre or your licensed broker before signing or sending any documents.
Paperwork for a cash purchase from abroad
For a cash purchase, a non-resident can use a valid passport for identity, and a representative acting for you needs a notarised power of attorney. The sale is registered with a trustee-centre fee and a AED 250 title deed issuance fee, as listed on the DLD sale-registration page. DLD’s page states that registration should occur within 60 days of the sale contract signature; confirm this with a trustee centre or licensed broker too.
Mortgage pre-approval
Mashreq’s non-resident home loan page lists minimum monthly income AED 15,000 or an average monthly balance AED 25,000, a AED 15 million cap and up to 25 years. It does not state the loan-to-value or fixed rate. Property Finder’s non-resident guide from May 2026 gives first-property LTVs of 50-65%, fixed rates roughly 4.5-6%, processing 0.25-1.05% of the loan and valuation AED 2,500-5,000. Treat these as ranges, not quotes; ask each lender for written, dated terms.
Golden visa through property
A property value of AED 2 million qualifies an investor to apply for a golden residence permit. Mortgaged property can be accepted with a bank no-objection letter, and the applicant must be inside the UAE. Buying does not grant the visa automatically: it is a separate DLD/GDRFA application with its own fees, and DLD’s base fee package is AED 9,884.75. The federal u.ae page says the permit lasts 5 years, while DLD and GDRFA Dubai say 10 years; confirm duration and off-plan eligibility directly with DLD/GDRFA before relying on it.
The dirham is pegged at 3.6725 per US dollar. A UK, Nigerian or Ghanaian buyer is exposed to USD/AED together; Bank of Ghana’s mid rate on 6 November 2026 was GH₵11.64 per dollar, and a news site quoting the NFEM close reported about N1,346.79 per dollar on the same day. Check the rate again on the day you transfer.
How the same budget compares with Accra and Lagos
A Dubai 1-bed median of AED 1.27M converts to about USD 345,800 at the dirham peg. At the 6 November 2026 Bank of Ghana mid rate, that is roughly GH₵4.03M; at the reported NFEM rate, roughly N465.7M. The Africanvestor’s Accra page (updated 21 September 2026) lists a typical 1-bed asking price of GH₵1.55M; its Lagos page (June 2026) lists 1-beds at N50M-N250M asking, from a N50M-N120M budget tier to a N120M-N250M premium tier. Dubai prices are quoted per sq ft and Accra and Lagos per m²; at 1 m² = 10.76 sq ft, Dubai’s area medians of AED 1,380-3,563 per sq ft are about AED 14,850-38,340 per m². So the Dubai median is higher in local currency before you add Dubai’s purchase costs.
| Budget line | Dubai (AED) | Accra (GHS) | Lagos (NGN) |
|---|---|---|---|
| 1-bed median / typical asking price | 1,270,000 | 1,550,000 | No typical figure; asking range 50,000,000-250,000,000 |
| 1-bed size | Varies by building | 55-75 m² | 45-70 m² |
| Price per m² (Dubai registered medians by area; Accra and Lagos asking) | About 14,850-38,340 (AED 1,380-3,563 per sq ft × 10.76) | 24,000-28,000 | 1,500,000-1,800,000 (citywide average) |
| Basis | DLD registered median, 12m to Jul 2026 | Asking price, The Africanvestor Accra, 21 Sep 2026 | Asking price, The Africanvestor Lagos, Jun 2026 |
| Total of itemised Dubai buyer costs (4% DLD, trustee, title deed, agency; other DLD charges not included) | About 1,350,000 | Not compared | Not compared |
Currency and total cost
Always compare total cost, not headline price. Dubai adds at least 4% DLD registration fee, trustee and title deed fees, and agency if used. Accra and Lagos figures are asking prices from listing aggregators, not transactions, and their registration, service-charge and title costs are not covered by the sources used for this guide. Convert Dubai AED to USD first, then to cedi or naira, and date the exchange rate.
Title and registration
Dubai gives a DLD-registered title deed and a RERA-regulated process. Title, survey and registration steps and costs in Accra and Lagos are not covered by the sources used for this guide. Do not compare a Dubai freehold apartment with a Ghanaian family house or Lagos land without adjusting for management and exit costs.
What the same money rents
Dubai citywide median 1-bed rent is AED 68,000 from registered Ejari contracts, 12 months to July 2026, from dataHabibi. Accra and Lagos rent data were not sourced for this article, so do not assume yield parity. If you compare, request signed leases and local service-charge records.
A calm checklist before you make an offer
- Broker on DLD/RERA licensed list Verify
- Title deed and DLD registration details Request
- RERA-approved service-charge budget via DLD Service Charge Index Pull
- Developer project escrow and permits for off-plan Confirm
- Dated mortgage pre-approval in writing Obtain
- Full fee breakdown in AED Get
The single next step
Before you book viewings, ask a licensed Dubai broker for the DLD title, the RERA-approved service-charge budget and a full fee breakdown for any apartment you like. Use this guide to question the numbers, not as a listing service.
Sources
- Dubai Land Department, Property Sale Registration, last updated 03 November 2026, https://dubailand.gov.ae/en/eservices/property-sale-registration/
- Dubai Land Department, Registering the Sale of a Mortgaged Property, last updated 03 November 2026, https://dubailand.gov.ae/en/eservices/registering-the-sale-of-a-mortgaged-property/
- Dubai Land Department, Mortgage registration application, last updated 03 November 2026, https://dubailand.gov.ae/en/eservices/request-for-mortgage-registration/
- Dubai Land Department, Request to register the initial sale, last updated 03 November 2026, https://dubailand.gov.ae/en/eservices/request-to-register-the-initial-sale/
- Dubai Land Department, Frequently Asked Questions, accessed 2026-11-09, https://dubailand.gov.ae/en/frequently-asked-questions/
- Dubai Land Department, Escrow Account activation, last updated 03 November 2026, https://dubailand.gov.ae/en/eservices/request-to-activate-an-escrow-account/
- Dubai Land Department, Register Project, last updated 03 November 2026, https://dubailand.gov.ae/en/eservices/register-project/
- Dubai Land Department, Licensed Real Estate Brokers, last updated 03 November 2026, https://dubailand.gov.ae/en/eservices/licensed-real-estate-brokers/
- Dubai Land Department, Service Charge Index, accessed 2026-11-09, https://dubailand.gov.ae/en/eservices/service-charge-index-overview/service-charge-index
- Dubai Land Department, Register / Renew Tenancy Contract, last updated 03 November 2026, https://dubailand.gov.ae/en/eservices/register-renew-ejari-contract/
- Dubai Land Department, Golden Visa application – Investor, last updated 03 November 2026, https://dubailand.gov.ae/en/eservices/request-for-golden-visa-investor/
- UAE Government, Expatriates buying a property in the UAE, 02 Nov 2026, https://u.ae/en/information-and-services/moving-to-the-uae/expatriates-buying-a-property-in-the-uae
- GDRFA Dubai, Issuing a golden residence permit (investors), accessed 2026-11-09, https://www.gdrfad.gov.ae/en/services/8ea80da4-f43e-11eb-0320-0050569629e8
- UAE Government, Golden Visa, 28 Jul 2026, https://u.ae/en/information-and-services/visa-and-emirates-id/residence-visas/golden-visa
- DataHabibi, Dubai Property Prices in 2026, July 11, 2026, https://datahabibi.ae/blog/dubai-property-prices
- DataHabibi, Buy an Apartment in Dubai: Prices by Area, July 11, 2026, https://datahabibi.ae/blog/buying-an-apartment-in-dubai
- DataHabibi, Rent in Dubai 2026: Prices by Area, July 11, 2026, https://datahabibi.ae/blog/renting-in-dubai
- Engel & Völkers, DLD Fees in Dubai, updated 25 Aug 2026, https://www.engelvoelkers.com/ae/en/resources/dld-fees
- Engel & Völkers, Dubai Average Property Price per Sq Ft by Area (2026), updated 7 June 2026, https://www.engelvoelkers.com/ae/en/resources/average-price-per-square-foot-in-dubai
- Property Finder, Dubai Mortgage for Non-Residents (2026 Guide), May 17, 2026, https://www.propertyfinder.ae/blog/getting-a-mortgage-in-dubai/
- Mashreq, Home Loan for Non-Residents, accessed 2026-11-09, https://www.mashreq.com/en/uae/neo/loans/mortage-loans/home-loan-non-residents/
- Real Estate Club Dubai, DLD Fees 2026, updated 16 July 2026, https://realestateclubdubai.com/blog/legal/dld-service-fees-2026-trustee-office-noc-mortgage-registration-every-charge-explained
- Real Estate Club Dubai, Dubai Service Charges Explained, February 15, 2026, https://realestateclubdubai.com/blog/property-management/dubai-service-charges-explained-what-property-owners-actually-pay-in-2026
- Bank of Ghana, Daily Interbank FX Rates, 06 Nov 2026, https://www.bog.gov.gh/treasury-and-the-markets/daily-interbank-fx-rates/
- Within Nigeria, Dollar to Naira Today, November 9, 2026, https://www.withinnigeria.com/2026/11/09/dollar-to-naira-today-november-9-2026-nfem-holds-near-%E2%82%A61346-79-as-black-market-dealers-quote-up-to-%E2%82%A61415/
- Central Bank of the UAE, CBUAE FX rates (01-Sep-2026), https://centralbank.ae/media/s1hdr5ms/fx_sep26_en.pdf
- The Africanvestor, Apartment Prices Update in Accra (2026), last updated September 21, 2026, https://theafricanvestor.com/blogs/news/accra-how-much-apartment
- The Africanvestor, Apartment Prices Update in Lagos (2026), June 2026, https://theafricanvestor.com/blogs/news/lagos-nigeria-how-much-apartment
- Projectory, Dubai Property Market October 2026: DLD Home Sales Report, 2 November 2026, https://projectory.ae/research/dubai-property-market-october-2026-dld-home-sales-report/
- Dubai Land Department, DLD calls on developers to pay property registration fees within 60 days, 31 May 2021, https://dubailand.gov.ae/en/news-media/dld-calls-on-developers-to-pay-property-registration-fees-within-60-days/
Frequently asked questions
Can foreigners buy apartments for sale in Dubai?
Yes. The UAE Government confirms foreigners may acquire freehold ownership without restriction or usufruct/leasehold up to 99 years in designated areas. A non-resident can use a passport for identity and, if not attending, a representative holding a notarised power of attorney.
What does an apartment in Dubai cost by area in 2026?
From 12 months of DLD registered sales to July 2026, all-apartment medians ranged from AED 1.03M in JVC and AED 1.10M in Dubai South to AED 1.94M in Business Bay, AED 2.05M in Dubai Marina, AED 2.36M in Dubai Hills and AED 3.08M in Downtown. These are medians across all apartment sizes, not asking prices.
How much are service charges in Dubai apartments?
Indicative area midpoints from a broker database compiled from RERA indexes (Feb 2026) range from AED 10 per sq ft per year in Dubai South/Expo City to AED 35 in Palm Jumeirah. Building ranges are wide; check the building’s RERA-approved budget in the DLD Service Charge Index.
Can a non-resident get a mortgage for a Dubai apartment?
Some banks offer non-resident home loans. Mashreq lists minimum income AED 15,000 per month or average balance AED 25,000, a AED 15 million cap and up to 25 years, without stating LTV. Portal guidance suggests 50-65% LTV and rates around 4.5-6%, but ask each lender for current terms.
Does buying a Dubai apartment qualify me for a golden visa?
Buying property worth AED 2 million or more allows you to apply for a golden residence permit; it is not automatic. You must apply, be inside the UAE, and if the property is mortgaged, provide a bank no-objection letter. The duration differs between federal (5 years) and Dubai (10 years) pages, so confirm with DLD/GDRFA.