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DISCOVER DUBAI HIGH RETURNS, ZERO TAXES, ENDLESS POTENTIAL

Simplified steps for Canadian investors to secure their first property in Dubai.

Presented By Parinaz Mamresuli

Why Dubai?

KEY BENEFITS FOR CANADIAN INVESTORS

Tax-Free Income Keep 100% of your rental and capital gains.

High Rental Yields 5% to 9% in Dubai vs. < 4% in Canada.

Residency Visa Invest AED1M+ to qualify for 2-10 years.

Global Connectivity 8-hour flights to two-thirds of the world.

Luxury at a Lower Cost Affordable access to private chefs, live-in maids, and chauffeurs.

How to Buy in Dubai Simple Process for Foreigners As a Canadian, you can purchase property in designated freehold areas such as Downtown Dubai, Palm Jumeirah, and Dubai Marina.

Ownership You can own 100% of the property as a foreign investor in these freehold zones, with no restrictions on foreign ownership.

Mortgage Options Foreign buyers can access local mortgages in the UAE, with expatriates eligible for up to 60% Loan-to-Value (LTV). This means they must provide at least 40% of the property value themselves. UAE banks offer competitive mortgage rates, starting from 4% annually.

Quick Processing The entire process, from signing the agreement to transferring the property title, takes about 30 to 60 days.

Documents Needed Passport, proof of income, bank statements, and a valid UAE residence visa (if applicable) are required for the purchase.

Steps to Buy Secondary Market Properties STEP-BY-STEP PROCESS

01 02 03 04 05 06

Work with Licensed Real Estate Agent Find trusted local expertise.

Evaluate the Property Location, rental potential, and market value.

Sign the Memorandum of Understanding (MOU) Finalize terms and pay a 10% deposit.

Obtain No Objection Certificate (NOC) Ensure no outstanding fees.

Ownership Transfer at DLD, pay 4% transfer fee + agency fees.

Finalize Payments and Receive Deed our property is ready to rent or occupy.

Steps to Buy OffPlan Properties STEP-BY-STEP PROCESS

01 02 03 04 05 06 07

Choose a Trusted Developer Emaar, DAMAC, or Nakheel.

Pick the Right Property Focus on location, amenities, and growth potential.

Secure the Sales Purchase Agreement (SPA) Review timelines and payment terms.

Make Initial Payment Typically 10% of the property value.

Register Ownership Construction-linked or time-based.

Follow Payment Plans our property is ready to rent or occupy.

Complete and Move In Inspect the property, pay the balance, and get your keys.

Mortgage Options for Canadian Investors in Dubai Can Foreigners Get a Mortgage in Dubai?

Yes! Canadian investors can obtain up to 70% financing through UAE banks with competitive rates and flexible terms.

Key Mortgage Details • Loan-to-Value (LTV): • Residents: Up to 80% financing.

• Non-Residents: Typically 50-70% financing.

• Down Payment: Starts from 30% for non-residents.

• Interest Rates: From 4,5% fixed or variable based on ElBOR. • Loan Term: 5 to 25 years.

• • • •

Example: Mortgage for AED 2 Million (~USD 545,000) Down Payment (40%): AED 800,000 (~USD 218,000) Loan Amount (60%): AED 1.2 million (~USD 327,000) Monthly Repayment Over 15 Years: Approx. AED 9,180 (-USD 2,500)

Top Banks for Non-Resident Mortgages • Emirates NBD, HSBC Middle East, First Abu Dhabi Bank (FAB), Mashrea Bank.

Why Use a Mortgage?

• Leverage Capital: Invest in multiple properties instead of paying 100% upfront.

• High ROl: Dubai properties appreciate 15-30% over 5 years.

• Rental Income Covers Costs: Yields of 8-10% in prime areas can offset mortgage payments.

The Golden Visa: Your Gateway to Long-Term Residency in Dubai BENEFITS OF THE GOLDEN VISA 1. Long-Term Residency: Stay in Dubai for 2-10 years, renewable.

2. Family Inclusion: Covers spouse, children, and dependents.

3. Access to World-Class Amenities: Enjoy premium healthcare, education, and safety.

4. Ease of Business Setup: Opportunities to establish or expand businesses.

5. Unmatched Lifestyle: Tax-free living, luxury services, and a vibrant community.

How to Qualify: Property Investment (Invest AED2M+ in Dubai real estate).

Entrepreneurship: Own a qualifying startup or business.

Specialized Professions: Doctors, engineers, and innovators can also apply.

Application Process: Choose Eligible Investment: Meet the AED2M+ threshold.

Submit Documents: Include passport, Emirates ID, and property papers.

Approval: Receive your Golden Visa within a few weeks.

Pro Tips for Canadian Investors • • •

Currency Exchange: Monitor rates and partner with trusted forex providers.

Financing Options: Non-residents can access mortgages in Dubai.

Legal Assistance: Hire a legal advisor for compliance.

Quick Comparison: Rental Yields: 5%-9% (Dubai) vs. <4% (Canada).

Property Costs: Luxury homes in Dubai are often more affordable.

Why Canadian Investors Choose Dubai: • Strong Canadian Expat Community: Dubai is home to over 200,000 Canadian expatriates, with a growing number of business professionals and entrepreneurs contributing to the real estate market's high demand.

• Strong Investment Returns: The average 5-year capital appreciation on residential properties in prime areas of Dubai has been 20-30%, compared to single-digit growth in Canada's major cities.

• Global Connectivity: Dubai offers direct flights to Toronto, Montreal, Vancouver, and other major Canadian cities, with flight times ranging from 12-15 hours.

• Diversify Your Portfolio: Investing in Dubai real estate allows Canadian investors to diversify their portfolios with exposure to a high-growth international market, balancing the risks of domestic investments.

Start Your Investment Journey Today DISCOVER HOW EASY IT IS TO INVEST IN DUBAI’S BOOMING REAL ESTATE MARKET

Ready to Invest in Dubai?

Contact our Dubai real estate specialist for exclusive opportunities and expert guidance, including access to off-market projects and pre-launch developments with premium returns, along with a free consultation on financing, payment plans, and the best investment opportunities.

Parinaz Mamresuli REALTOR® PARINAZ.MAMRESULI@THEAGENCYRE.COM 647.961.9291