Dubai

The 80/20 payment plan at Rosehill by Emaar in Dubai Hills Estate benefits investors because 80% is paid gradually during construction, and the remaining 20% is settled on handover in June 2029.

This flexible structure helps buyers spread their costs over several years while the project is being built, reducing upfront financial pressure. Since Emaar is known for reliable delivery, the Rosehill payment plan offers a balance between affordability and security. Investors often find this model attractive as it allows them to manage cash flow more effectively while still locking in today’s prices for a future handover.

For those evaluating Rosehill as an investment in Dubai Hills Estate, the 80/20 plan also aligns well with expected rental yields and potential capital appreciation by 2029. The ability to defer a large portion of the payment until handover makes the project more accessible, while Emaar’s reputation ensures that the property is delivered to high standards in Dubai’s growing residential market.

Dubai is home to several major property developers, with leading names including Emaar Properties, DAMAC, Meraas, Dubai Properties, Sobha Realty, and Nakheel. These companies drive the city’s skyline through large master communities, luxury towers, and mixed-use developments.

So what does this mean for buyers and investors? It means a wide choice of projects, ranging from affordable residences to ultra-luxury branded towers, all backed by established developers with proven track records.

Leading Property Developers in Dubai

• Emaar Properties: Known for Downtown Dubai, Burj Khalifa, and Dubai Hills Estate.
• Dubai Properties: Focuses on family communities such as Jumeirah Beach Residence (JBR) and Mudon.
• DAMAC: Specializes in luxury projects and branded residences.
• Sobha Realty: Recognized for high-quality finishes and Sobha Hartland.
• Nakheel: Master developer behind Palm Jumeirah and The World Islands.
• Meraas: Developer of City Walk, Bluewaters, and La Mer.
• Omniyat: Focuses on design-led luxury projects in Business Bay and Palm Jumeirah.
• Deyaar: Active in residential and commercial projects across Dubai.
• Select Group: Known for Marina Gate and Jumeirah Living Marina Gate.
• Citi Developers: Mid-size developer with new residential communities.

Considerations

• Choose developers with strong delivery records and transparent handovers.
• Master developers like Emaar or Nakheel provide large communities with full amenities.
• Smaller, design-led firms like Omniyat may offer niche, luxury appeal.

In short, Dubai’s developer landscape offers a spectrum of choices—from master-planned city-scale communities to boutique design-led projects. Aligning your budget, lifestyle, or investment goals with the right developer is key.

Key Takeaways

• Dubai has a diverse pool of developers from Emaar to boutique firms like Omniyat.
• Large-scale projects and niche developments offer variety for b

Yes, non-residents can apply for a property loan in Dubai. Several banks, including HSBC and Mashreq, offer mortgages to foreigners, although requirements are stricter than for residents. Applicants must provide additional documentation, meet higher down payment conditions, and accept more limited loan terms.

Detailed Explanation

Dubai’s property market is open to international buyers, and the UAE banking system allows non-residents to access mortgage financing. However, the terms differ significantly from resident mortgages. Key points include:

• Eligibility: Available for nationals of many countries, subject to the bank’s approved list. Most lenders focus on established international markets.
• Down Payment: Non-residents are generally required to contribute a larger share, often 25–35% of the property value, depending on property type and bank policy.
• Loan-to-Value (LTV): Typically lower than resident mortgages, with maximum LTV ratios of 65–70%.
• Loan Tenure: Terms usually range from 10 to 15 years, shorter than the 25-year options offered to residents.
• Documentation: Requires extensive proof of income, overseas banking statements, tax returns, and in some cases, credit reports from the home country.
• Approved Properties: Some banks restrict lending to specific freehold areas registered with the Dubai Land Department (DLD).

Practical Implications for Buyers

For non-resident investors, access to financing can make Dubai’s market more attainable, but higher upfront costs and stricter lending conditions should be factored into investment plans. Buyers should prepare documentation early, including employment verification, salary slips, and international tax records. Currency exchange rates may also impact affordability, as repayments are often in AED.

Expert Insight & Conclusion

While the process for non-residents is more complex, Dubai banks do extend property loans to international buyers. By working with major lenders like HSBC, Mashreq, or Emirates NBD, and consulting a RERA-approved mortgage advisor, non-residents can navigate requirements effectively. For many foreign investors, this path provides a structured way to enter Dubai’s real estate market and benefit from its long-term growth potential.