The UAE has introduced a major policy shift that makes the property-linked Golden Visa more accessible to international investors. Under the new guidelines, foreign buyers no longer need to pay 50 percent of the property value upfront in cash to apply for residency. Instead, the General Directorate of Residency and Foreigners Affairs (GDRFA) now accepts a bank guarantee covering the required AED 2 million investment. This change is a significant win for mortgage buyers and those investing in off-plan projects. Previously, investors had to wait until construction reached specific milestones or pay a large portion of the purchase price out of pocket before they could secure their residency. By allowing a bank guarantee, the government is providing much-needed flexibility, enabling investors to lock in their long-term status as soon as their contracts are signed. Real estate strategists view this move as a strategic advantage for Dubai over other global residency-by-investment programs. While several countries in Europe have been raising their investment thresholds or tightening rules, the UAE is moving in the opposite direction by lowering barriers and simplifying processes. This approach is expected to drive a surge in demand from families and professionals looking to make Dubai their permanent home. The new rule is particularly beneficial for the mid-to-high-end segment, where financing is a common part of the purchase process. It allows buyers to manage their cash flow more effectively while still enjoying the security and benefits of the Golden Visa. Brokers have already reported a rise in inquiries from markets like India, the UK, and Europe, as the news spreads through the international community. By modernizing its visa framework, the UAE is ensuring that its real estate market remains dynamic and inclusive. This policy does more than just attract capital; it encourages residents to put down deeper roots in the country, supporting long-term economic resilience.
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