How to Buy Property in Dubai from the Philippines: A Complete 2025 Guide

Dubai real estate market continues to attract Filipino investors with its tax-free returns, high rental yields, and residency benefits. If you're considering buying property in Dubai from the Philippines, this comprehensive guide covers everything—from legal requirements to money transfers—helping you make a secure investment without unnecessary hurdles.

Why Filipino Investors Choose Dubai Real Estate

• Strong Peso-to-AED Exchange Rate (1 AED ≈ 15.50 PHP)
• Tax-Free Investment – No property, capital gains, or rental income taxes
•  High Rental Yields (6-9% vs 3-5% in Manila)
• Golden Visa Option – Properties over 750K AED qualify for residency
• Stable Market – Prices grew by 5.8% in Q1 2025 (DLD Report)

Step 1: Legal Requirements for Filipino Buyers

Can Filipinos Buy Property in Dubai?

Yes! Philippine passport holders can purchase:

Freehold properties in designated areas like:

• Dubai Marina
• Downtown Dubai
• Jumeirah Village Circle

Leasehold properties (up to 99 years)

Required Documents

• Valid Philippine passport
• Proof of funds (6 months bank statements)
• TIN (Tax Identification Number)
• Power of Attorney (if buying remotely)

2025 Update: New requirement for Notarized Affidavit of Source of Funds

Step 2: Financing Options from the Philippines

Option 1: Cash Purchase

• Best for avoiding interest payments
• Some developers offer 5-10% discounts for cash buyers

Option 2: Dubai Mortgage

Filipinos can get up to 75% financing

Interest rates: 4.75-6.25%

Required documents:

• Employment certificate
• 6 months bank statements
• Philippine credit report

Option 3: Philippine Bank Financing

• Limited options – BDO and Metrobank offer overseas property loans
• Typically require 40-50% down payment

2025 Tip: Some developers now accept PHP payments through partner banks

Step 3: Money Transfer Process from the Philippines

Approved Transfer Methods

1. Bank Transfers (Through BSP-approved channels)

• $10,000/year limit under liberalized rules
• Higher amounts require special approval

2. Exchange Houses (Better rates than banks)

3. Developer Direct Payments (Installment plans in PHP)

Important: Keep all transfer receipts for DLD registration

Step 4: Choosing the Right Property

Best Areas for Filipino Investors (2025)