Eligibility, including the edge cases.

What qualifies

• Single property, AED 2M+ value — ready or off-plan from approved developers, in your name.
• Multiple properties combined — total value across all properties in your name reaches AED 2M.
• Mortgaged property at ≤50% LTV — outstanding loan must be 50% or less of current property value.
• Off-plan from approved developers — Emaar, Damac, Sobha, Nakheel, Aldar, Meraas, Dubai Properties.

What doesn't

• Property below AED 2M (or AED 750k for the more restrictive 5-year route).
• Property mortgaged above 50% LTV.
• Properties owned by an LLC or company (must be in your personal name).
• Time-share or fractional ownership.
• Off-plan from non-approved developers.

Four edge cases

1. Joint ownership

Your share of a jointly-held property is what counts. Co-own a AED 4M property 50/50 with a non-spouse → your share is AED 2M → qualifies. Co-own a AED 3M property 50/50 → your share is AED 1.5M → doesn't.

2. Off-plan paid value

Recent ICA practice expects at least 50% paid in for off-plan applications, or full handover. Don't assume the contracted value is enough — check current paid balance against the threshold.

3. Mortgaged-down strategy

If your current LTV is above 50% but will amortise to ≤50% within 18 months, some applications succeed with a bank letter confirming the schedule. Practice varies — consult a Golden Visa specialist.

4. Project RERA registration

Off-plan from approved developers qualifies, but the specific project must have a valid RERA registration number and an active escrow account. Verify before assuming Golden Visa eligibility.