How to Buy Property in Dubai from China: The Complete Guide

Dubai's property market has become increasingly attractive to Chinese investors, offering tax-free returns, visa benefits, and a stable economy. With new regulations and digital processes, purchasing Dubai real estate from China is more accessible than ever. This guide covers every step, from money transfers to legal requirements, helping you invest with confidence.

Why Chinese Investors Choose Dubai Real Estate

• Tax-Free Investment – No property, capital gains, or rental income taxes
• Golden Visa Access – Properties over AED 2M qualify for 10-year residency
• High Rental Yields (6-9% vs 1.5-3% in Shanghai/Beijing)
• Currency Stability – AED's USD peg protects against RMB fluctuations
• Belt & Road Benefits – Special financing options for Chinese investors

Step 1: Legal Requirements for Chinese Buyers

Can Chinese Citizens Buy Property in Dubai?

Yes! Chinese nationals can purchase:

1.Freehold properties in designated areas like:

• Downtown Dubai
• Dubai Marina
• Palm Jumeirah

2. Leasehold properties (up to 99 years)

Required Documents

• Valid Chinese passport (with notarized translation)
• Proof of funds (6 months bank statements)
• Chinese tax identification
• Power of Attorney (if buying remotely)

Step 2: Financing Options from China

Option 1: Cash Purchase

Best for avoiding mortgage interest

Some developers offer 5-10% discounts for cash buyers

Option 2: Dubai Mortgage

Chinese nationals can get up to 50-60% financing

Interest rates: 5.25-6.75%

Required documents:

3 years' tax returns

Employment verification

Chinese credit report

Option 3: Chinese Bank Financing

Limited options – Check with Bank of China (Dubai branch)

Typically require 40-50% down payment

Step 3: Money Transfer Process from China

Approved Transfer Methods

• Bank Transfers – Through SAFE-approved channels ($50,000/year personal quota)
• Hong Kong Remittance – Using offshore accounts (higher limits)
• Developer Direct Payments – Installment plans in CNY/AED

Important:

• Keep all transfer receipts for DLD registration
• Use exchange houses for better rates on large amounts

Step 4: Choosing the Right Property

Best Areas for Chinese Investors