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Thinking of buying your first home in Dubai? A new government programme is here to help

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If you’ve been dreaming of owning a home in Dubai but weren’t sure where to start, the city just made it easier. A brand-new initiative, launched by the Dubai Land Department (DLD) and the Dubai Department of Economy and Tourism (DET), is offering residents a chance to step onto the property ladder with exclusive incentives and support.

Called the First-Time Home Buyer Programme, the initiative is open to all UAE residents aged 18 and above who don’t currently own a freehold home in Dubai. It offers early access to newly launched developments, special prices on homes valued up to Dh5 million, and custom mortgage solutions from leading local banks.

At its core, the programme is designed to make homeownership more accessible and attractive to both Emiratis and expats, encouraging long-term investment and helping residents put down real roots in the city.

Announced during a press conference at DLD, the launch was attended by senior officials, including Majid Al Marri, CEO of the Real Estate Registration Sector at DLD, and Hadi Badri, CEO of the Dubai Economic Development Corporation at DET, along with representatives from top developers and banks.

Here’s what you get as a first-time buyer in Dubai:

  • Priority access to upcoming property launches
  • Preferential pricing on selected units up to Dh5 million
  • Tailored mortgages from banks, including Emirates NBD, Dubai Islamic Bank, Mashreq, and others

Major developers such as Emaar, DAMAC, Nakheel, Azizi, Binghatti, and Meraas are already on board, ensuring a wide selection of properties across the city.

Officials say the programme not only aims to help more residents become homeowners, but also supports Dubai’s long-term economic vision, as part of the Real Estate Strategy 2033 and the D33 Agenda.

“Dubai’s real estate market must reflect the diversity and ambition of its residents,” said Omar Bu Shehab, Director-General of DLD. “This programme opens the door for more people to invest in their futures here.”

Whether you’re a young professional thinking of buying your first apartment or a family looking to make Dubai your permanent base, the First-Time Home Buyer Programme could be your opportunity to finally make that move.

With over 35 years of experience in journalism, copywriting, and PR, Michael Gomes is a seasoned media professional deeply rooted in the UAE’s print and digital landscape.

Announcements

Emaar to unveil Dh200-billion mega project “city within a city” in Dubai

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Dubai-based developer Emaar Properties on Thursday announced plans for a landmark Dh200 billion master-planned development that it says will redefine urban living in the emirate. Spanning more than 4.5 million square metres of gross floor area, the project is expected to accommodate nearly 150,000 residents and become one of the largest mixed-use communities ever undertaken by the company.

The master development will feature a blend of residential towers, ultra-luxury villas and mansions, Grade-A office spaces, retail destinations, hospitality offerings, and a wide range of civic and cultural amenities.

While Emaar did not disclose the location of the project, the number of residential units, or a timeline for sales launches, the developer described it as a “city within a city” and one of its most ambitious undertakings to date.

“What we are about to reveal is our most extraordinary dream yet: a place where the finest architecture, the most immersive landscapes and the most advanced thinking about how people live come together in one magnificent vision,” said Mohamed Alabbar, Founder of Emaar Properties.

“This development reflects our deep confidence in the future of the UAE. This is Emaar at its most ambitious, and Dubai at its most inspiring,” he added.

Iconic Views and Luxury Living

According to Emaar, the residential towers will offer panoramic views of some of Dubai’s most recognisable landmarks, including Burj Khalifa, Burj Al Arab and Palm Jumeirah.

At the heart of the luxury offering will be an exclusive gated villa enclave featuring expansive five- and six-bedroom residences as well as signature mansions. The homes will be complemented by private gardens, cascading water features and resort-style amenities.

Designed Around the 20-Minute City Concept

The masterplan will be connected to Dubai’s metro network and developed around the principles of the “20-minute city”, enabling residents to access essential services and daily conveniences within a short walk.

The community will integrate smart mobility infrastructure, intelligent building systems and advanced digital connectivity. Features will include EV-friendly pathways, app-based community management and data-driven public services.

Schools, healthcare facilities, mosques, cultural venues and retail centres will be strategically located within walking distance of residential neighbourhoods.

Extensive Green and Blue Spaces

A key feature of the project will be its expansive open spaces, including parks, swimmable lagoons, lakes, linear gardens and water streams woven throughout the community via shaded walkways and dedicated cycling tracks.

A central district park will serve as the development’s social and recreational hub, offering sports courts, event lawns, splash parks, beach areas and outdoor wellness facilities.

Five Distinct Lifestyle Zones

The masterplan will be organised into five character-driven districts, each designed with a unique identity and lifestyle proposition.

Among them will be a Business Hub catering to corporate and entrepreneurial activity, an Urban District focused on vibrant city living, a Young Families Cluster designed for active and creative lifestyles, and a Family Living Zone centred on community-oriented residential experiences.

Emaar said further details, including the project’s location and launch timeline, will be announced at a later stage.

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What Abu Dhabi’s New rent freeze means for tenants and landlords

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Thousands of tenants across Abu Dhabi are set to benefit from a major housing relief measure after the emirate announced a temporary freeze on rental increases for residential, commercial and industrial properties.

The decision, which takes immediate effect, means landlords will no longer be able to increase rents when renewing existing tenancy contracts. The measure will remain in place until further notice, according to the Abu Dhabi Real Estate Centre (ADREC).

Under the new directive, all tenancy contract renewals will be processed with a zero per cent rent increase. In addition, any new lease signed for a previously rented property must be offered at the same rental value as the most recent tenancy contract, preventing landlords from raising prices between tenants.

The move marks a significant shift from existing regulations, which previously allowed annual rent increases of up to five per cent under specific conditions. The temporary freeze is expected to provide immediate relief for residents and businesses facing rising living and operating costs.

What it means for tenants

For tenants approaching lease renewal, the change offers greater financial certainty. Regardless of whether the property is residential, commercial or industrial, the rental value recorded in the previous contract will serve as the reference rate during the freeze period.

The decision is particularly notable given the strong growth seen in Abu Dhabi’s property market over recent years. Rental prices in several areas have recorded significant increases as demand for housing continued to rise alongside population growth and economic expansion.

Focus on market stability

The rent freeze comes as Abu Dhabi continues to strengthen transparency and regulation within its real estate sector. In recent years, the emirate introduced its official rental index and expanded digital property services through platforms such as Tawtheeq, helping both landlords and tenants access clearer market information.

Industry observers view the latest measure as part of broader efforts to support market stability while protecting residents during a period of regional uncertainty.

While authorities have not specified an end date for the temporary measure, ADREC confirmed that the freeze will remain in effect until further notice.

For many tenants across the capital, the announcement delivers a welcome pause in rental costs and greater predictability when planning household and business budgets in the months ahead.

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The new rental reality: Why UAE landlords want to see your credit score

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The rental process in the UAE is getting a major digital upgrade, with tenant credit checks slowly becoming part of the leasing journey.

For many residents who have rented abroad, sharing a credit score may already feel familiar. But in the UAE, the concept is still new, and importantly, fully based on tenant consent.

How the new system works

The new Tenant Screening solution, launched by Etihad Credit Bureau in collaboration with UAE PASS, allows landlords to request access to a prospective tenant’s credit score.

Here’s the key detail:

  • Tenants receive a request through UAE PASS
  • They can approve or reject access themselves
  • No credit information is shared without consent

The goal is to create a more transparent and efficient rental process while keeping financial data secure.

Why landlords want it

For landlords, the system offers verified financial insights that may help assess payment reliability, especially for:

  • Luxury properties
  • High-value rentals
  • Multiple post-dated cheque agreements

The credit check is designed to complement existing requirements, such as:

  • Salary certificates
  • Emirates ID
  • Visa verification

How to check your UAE credit score

  1. Visit the official AECB platform or download the app
  2. Log in using UAE PASS or register with:
    • Emirates ID
    • Mobile number
    • Email address
  3. Verify your identity using the OTP sent to your phone
  4. Select Credit Score Report
  5. Pay:
    • Dh10.50 for the score only
    • Dh84 for the full credit report (including VAT)
  6. Receive your score instantly in PDF format

Strong credit profile benefits

While some renters may initially see it as another step, supporters say the system could actually make approvals faster and smoother.

In competitive rental markets such as Dubai and Abu Dhabi, a strong credit profile could help tenants stand out and reassure landlords during the application process.

Officials say UAE PASS plays a critical role by acting as the secure gateway for all approvals, ensuring users remain in control of their personal financial information.

The system is currently optional, but experts believe tenant screening could become increasingly common as the UAE rental market continues to modernise.

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