Buying property in Dubai can open the door to the 10-year Golden Visa. Importantly, a mortgaged property can qualify — you do not need to pay all cash. This guide explains the threshold and how financing fits.
The AED 2 million threshold
The property route to the Golden Visa generally requires property with a value of at least AED 2 million. Both ready and off-plan properties from approved developers can qualify, and one or more properties may be combined to reach the threshold, subject to current rules.
How a mortgage fits
Mortgaged properties are eligible provided you meet the qualifying value and any equity or bank no-objection requirements in force at the time. Because rules evolve, confirm the current equity threshold and required documents before you rely on financing to qualify.
Getting the order right
Plan the sequence carefully: secure mortgage pre-approval, complete the purchase and DLD registration, obtain the title deed, then submit your Golden Visa application. A mortgage advisor can help align financing so your purchase comfortably meets the qualifying value.