Golden Visa investor track — AED 2M property route

Build a UAE Golden Visa (property investor route) strategy for [CLIENT_NAME] purchasing AED [PROPERTY_VALUE_AED] property in [PROPERTY_LOCATION] via [FINANCING]. Family to sponsor: Spouse + children.

§1 — GOLDEN VISA OVERVIEW (90-110 words)
Federal long-term residence permit introduced under Cabinet Resolution No. 56 of 2018, expanded under Cabinet Resolution No. 65 of 2020, restructured under Federal Decree-Law No. 29 of 2021 + Cabinet Resolution No. 65 of 2022. Key features:
  • 10-year residence permit (initially 5 years; standardised to 10 years for most categories under 2022 reform)
  • Renewable indefinitely on continued eligibility
  • Self-sponsored — no employer / national sponsor required
  • 6-month entry permit allows arrival + status conversion
  • Multiple-entry; no minimum stay requirement (vs old residency rules requiring 180-day presence to avoid cancellation)
  • Family sponsorship: spouse + children + parents (no age cap for daughters; sons sponsored up to 25 if students)

§2 — PROPERTY INVESTOR ELIGIBILITY (110-140 words)
Cabinet Resolution 65/2022 + Land Department guidelines. Eligibility:
  • Property value AED 2,000,000 minimum (verified by Dubai Land Department / AD Department of Municipalities + Transport valuation OR purchase price whichever lower)
  • Property must be RESIDENTIAL or COMMERCIAL
  • Free zone properties (e.g. DIFC, ADGM residential) qualify
  • Completed properties: free + clear title OR mortgaged with AED 2M+ paid down
  • Off-plan: AED 2M+ paid to developer with registered Oqood (Dubai) or equivalent title pre-registration
Mortgage allowed:
  • AED 2M minimum equity (down payment + principal repaid)
  • Bank mortgage from UAE-licensed bank only
  • Mortgage value capped at LTV per UAE Central Bank rules

§3 — DOCUMENT PACKAGE (90-110 words)
  • Passport bio page + visa pages
  • Photo (white background)
  • Title deed (Tabu / Oqood / equivalent) confirming AED [PROPERTY_VALUE_AED]
  • Land Department valuation certificate (if requested by ICP)
  • Bank statement showing source of funds
  • For mortgaged property: mortgage agreement + bank statement + repayment record
  • For off-plan: developer SPA + payment receipts + Oqood registration
  • Health insurance valid in UAE
  • Police certificate from country of residence (India + UAE if resident here)
  • For Indian-cohort: source-of-funds documentation under FEMA-LRS (USD 250k/year × multiple years if needed) + Form A2 / outward remittance reports
  • Medical fitness test (post-arrival)
  • Application fee + Emirates ID + insurance fees

§4 — FAMILY SPONSORSHIP UNDER GOLDEN VISA (90-110 words)
Golden Visa holder may sponsor:
  • Spouse (1 — UAE follows Islamic family law for multiple-wife sponsorship — most Indian applicants single-spouse)
  • Unmarried children (sons up to 25 if students; daughters indefinitely until married)
  • Parents (subject to income + accommodation thresholds — health insurance mandatory)
  • Domestic workers (separate sub-application)

Family residence permits issued for 5-10 years matching primary holder. Children retain status independently if studying. No minimum stay requirement for family — they may live abroad while retaining residency, useful for Indian-cohort families splitting time between India + UAE.

§5 — APPLICATION PROCESS (60-80 words)
  • Apply via ICP smart services portal (icp.gov.ae) OR GDRFA Dubai
  • Pre-approval issued (entry permit) for non-residents
  • Status change for existing UAE residents — no need to exit
  • Processing: 7-15 business days typical
  • Fees: AED 2,800-3,800 (entry permit + status change + Emirates ID + medical + Golden Visa)
  • Property valuation fee: AED 750-1,500 if Land Department valuation required

§6 — INDIAN-COHORT REALITY + EXIT (60-80 words)
Indian-cohort strategy:
  • Most common: Dubai Marina / Downtown / Business Bay / DAMAC Hills property at AED 2.5M-4M
  • Source funds via FEMA-LRS — multi-year remittance documented
  • Tax: UAE rental income tax-free; declare to India under residency rules
  • Exit: property sale + visa cancellation; 6-month grace period

If [FINANCING] = mortgage: ensure principal-paid component meets AED 2M threshold; mortgage interest may be deductible against Indian tax if reported correctly under DTAA + ITR Schedule FA.

End with: "DRAFT GOLDEN VISA PROPERTY STRATEGY — for review by UAE-licensed real estate adviser + cross-border tax consultant. Title-deed registration is the binding step; complete before applying. Indian-cohort buyers must document FEMA-LRS chain for source of funds — Indian Income-Tax authorities + UAE authorities both scrutinise."