Golden Visa demand has increased due to competitive mortgage rates and residency support

Real estate experts stated that UAE banks are promoting the Golden Visa program. Foreign investors are actively attracted by competitive rates on fixed-term mortgages, which are 2 % lower than in the UK and India. Banks also handle visa procedures for loan applicants. An important incentive is the policy of minimising the number of documents required for non-residents to apply for a residential mortgage.

Foreign investors prefer financing through banks because of process transparency: payments are transferred directly to the seller. Comprehensive offers, which are associated with favourable rates and support of the Golden Visa program, are also appealing in obtaining a mortgage.

The real estate markets of Abu Dhabi, Dubai, Sharjah, and Ras Al Khaimah are developing because of the simplified mortgage system.

As for developers, they provide flexible payment options, including a 40 % down payment, with the remaining 60 % to be paid upon handover of the project.

International investors show more interest in residential property in Abu Dhabi, Sharjah and Ras Al Khaimah, although Dubai remains the largest real estate market in the UAE. At the same time, each emirate is in demand among certain categories of buyers. Abu Dhabi is favoured by families with children, while residences in Ras Al Khaimah are chosen for vacation or rental.