Golden Visa rewired: the 50% down-payment rule is gone — off-plan now qualifies at AED 2M

由offplans.com研究团队 · 迪拜

One of the biggest regulatory changes of the year has quietly reshaped how property buyers secure long-term UAE residency. A February 2026 circular removed the 50% down-payment requirement from the Golden Visa property-investor route. Eligibility now depends solely on the total DLD-certified property value reaching AED 2 million — regardless of mortgage balance or payment schedule, as reported by Gulf News and Arabian Business .

Crucially, this means off-plan, mortgaged and payment-plan properties now qualify for the 10-year Golden Visa, where previously buyers often needed to hand over half the value upfront. Holders retain the property to keep the visa.

为什么这很重要

The change aligns the Golden Visa with how most people actually buy — in instalments — and makes off-plan an efficient path to residency. A single AED 2M off-plan purchase on a payment plan can now unlock a decade of self-sponsored residency for the buyer and their family.

See our dedicated Golden Visa guide and browse qualifying off-plan projects from AED 2M.

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