8656Benefits of buying an apartment in nuaimiya tower c ajman
CategoriesReal Estate

Benefits of Buying An Apartment In Nuaimiya Tower C Ajman

Ajman, As the smallest state of UAE, but has strong economic growth in the UAE real estate market, Ajman offers many freehold projects for residents as well as non-residents of the UAE. These projects are considered to be budget-friendly and do not break the bank as compared to Dubai’s projects but provide world-class amenities and a luxurious lifestyle. Apartments for sale in Nuaimiya Tower C is one of them. Here, we will sort out the benefits of buying an apartment in Nuaimiya Tower C Ajman, and help you to make a decision before investment.

Benefits of Buying An Apartment In Nuaimiya Tower C Ajman

Prime location

Located in Al Nuaimiya, Ajman, Nuaimia Tower C in Ajman enjoys a strategic location with several key areas nearby. Al-Rashideya 1 is just 1.3 kilometers away, providing residents with easy access to local amenities. Ajman Industrial 2 is also within close reach at 1.6 kilometers, while Mushairif stands at 1.8 kilometers. Slightly further, but still conveniently close, Ajman Industrial 1 is situated at 2.1 kilometers. Al-Safia and Ajman Creek, both at 3.5 kilometers, offer additional attractions and services. For those looking for a slightly broader range of options, Al-Jurf 2 is 3.6 kilometers away. Emirate of Ajman itself is accessible within 6.8 kilometers, and Hamriyah City lies at a distance of 13 kilometers. Furthermore, being just 33 kilometers from the Emirate of Sharjah, Nuaimia Tower C’s location facilitates easy access to neighboring emirates and the vibrant city of Dubai, making it a well-connected and convenient place to reside.

Top-notch amenities

Buying an apartment in Nuaimia C Tower Ajman has a lot of helpful things for people who live there. They have people who can fix things or help you 24/7, and they also have people who make sure it’s safe all the time. You can get coffee in the building, and there’s a special place for people to come together and do things. Your car can be safe from bad weather because there’s a place to park it under a roof. If you want to exercise, there’s a gym with all the stuff you need. They also have a place for garbage so things stay clean. You don’t have to worry about parking because they have spots for cars. And if you need to buy things, there are stores nearby, so it’s really easy and comfortable to live at Nuaimia C Tower.

Moreover, there are many amenities, like, The well-known Grandmall, Velocity Body Fitness, and Al Nahrain Medical Center are located quite close to this community. Many residents and visitors in the area often eat at Cancios, Al Marsa, Africana Home, Al Aqaba, and Delhi Corner Restaurant, among other excellent dining options.

Flexible payment plans

For the investors and newbies in the real estate market of Ajman, financing options for Nuaimiya Tower C apartments are very flexible and convenient, which does not break the bank. You have to pay only an 8% down payment to book your dream house and pay the remaining amount in 96 installments in the next 8 years.

Less energy consumption

Buying a flat in Nuaimiya Tower C Ajman has one more benefit less energy consumption. The apartments are designed in a way that they are more ventilated, have exposure to sunlight, fresh breathable air to reduce the consumption of electricity.

Freehold property

Nuaimia C Tower in Ajman is a freehold property in Ajman. You have full control and complete ownership when you own a unit there. You don’t need to involve any third parties when you want to sell or transfer your property. It’s all in your hands, making it a hassle-free and straightforward ownership experience.

Multiple floor plans

Ground Floor

The ground floor typically serves for reception, lobby, shops, offices, and service rooms, along with a variety of shopping centers, etc. Moreover, besides the ground, there are a total of 6 floors of covered parking for the residents.


The Nuaimia Tower C comprises studio apartments that create a cozy atmosphere. These units include a bathroom and an open American-style kitchen, promising an enjoyable cooking experience, and a balcony for breathable air. There are multiple floor plans for studio apartments, like Type D floor plan, Type E, Type F, and Type G floor plans and the gross area floor plans are 572.33 Sq ft, 628.98 Sq ft, 567.77 Sq ft, and 686.50 Sq ft respectively.

1-Bedroom Apartments

One-bedroom apartments are comprised of 2 bathrooms, 1 kitchen, 2 balconies, and 1 living room which is ideal for single, couples, or small families. The gross area of the apartment is 985.24 Sq ft.

2-Bedroom Apartments

Two-bedroom apartments are ideal for medium-sized or large families and comprise of 2 bathrooms, 1 kitchen, 1 living room, and a balcony. The gross area of the apartment is 1,436.20 Sq ft.

Bottom Line

Apartments for sale in Ajman have plenty of opportunities for investors and would be a profitable decision for future savings. Buying an apartment in Nuaimiya Tower C Ajman brings more benefits of living and an abundance of world-class amenities.

If you are interested in Real estate investment in Nuaimiya Tower C Ajman, then contact improperties.ae for more enquiries and expert advice.

Featured Image: ajmanproperties

8557property management companies in dubai

Top 10 Property management companies in Dubai & Pros of Cons of Hiring Them

In the United Arab Emirates, Dubai is renowned as a hub of luxurious and high-end properties. Once these buildings are constructed, maintenance and management of them become incredibly important. This is why choosing a property management company in Dubai has never been more essential. Here is a list of some top 2023 property management companies in Dubai.

Why Choose a Property Management Company in Dubai?

You hire Property management companies to take care of your property to maximize the property benefits and profits. Property managers in Dubai have the expertise to efficiently maintain your property, advertise your property for leasing or selling, extend current rental agreements, rent vacant property, etc. These management companies have in-depth knowledge of the UAE real estate market, which is why their management services save you time and allow you to enjoy the benefits of property ownership without the day-to-day stress.

Criteria for Selecting Top Property Management Companies in Dubai

Choosing a company for real estate management is very tricky, here are some tips you must follow,

Reputation and Experience: Look for companies with a proven track record, years of experience, and positive client feedback.

Range of Services: Ensure the company offers comprehensive services, including marketing, tenant screening, financial reporting, maintenance, and legal compliance.

Transparency and Communication: Choose a firm that maintains open and accessible communication channels, providing transparency in their operations.

Licensing and Accreditation: Verify that the company is licensed and adheres to Dubai’s real estate regulations, ensuring legal compliance and professionalism.

Pros and Cons of Hiring a Property Management Companies in UAE

Pros Cons
Property management enables investors to diversify their real estate holdings across different locations, reducing risks. Owners who prefer control over property decisions may find it challenging to relinquish control to property managers.
Property owners with multiple units benefit from time savings as managers handle day-to-day tasks, allowing owners to focus on other responsibilities. Property owners may disagree with managers on tenant selection and other decisions, with the manager having the final say.
Property managers are experts in maintenance, legal matters, and tenant management, ensuring properties are well-maintained and compliant with regulations. Property owners typically share a portion of their rental income with the management company, reducing overall earnings.




Property managers optimize rental income and property value, ultimately increasing profits for owners. ——–


Top property management companies in Dubai

1. Better homes

Betterhomes is a well-reputed real estate management company in Dubai, with a rich history of over 30 years in the industry. They offer a range of services like renting property, selling, and maintenance. They are well-recognized due to their creativity in managing the property.

2. Asteco

Asteco stands out as a top property management company in Dubai, boasting over three decades of experience and offering property management services like, sales, and leasing. They have a team of experts with strong, professional, and top-notch skills leading to the happiness of customers.

3. BSO Real Estate Management

BSO Real Estate Management is a trusted and renowned property management firm based in Dubai. They provide a variety of services such as property selling, renting, and maintenance. Their team of skilled professionals works diligently to ensure your property is well taken care of. BSO Real Estate Management is dedicated to delivering top-notch services to meet client needs. With a solid track record, they are known for their dependability, expertise, and clear communication.

4. Provident

Provident is a Dubai-based firm, that offers property management services like sales, lease, and maintenance of property. Moreover, they have a team of professionals, who work diligently to reduce the risks and satisfy the customers’ demands.

Provident works as the best property manager in Dubai with extreme trustworthiness and professionalism.

5. Luke Capital Group

Luke, a prominent property management firm offers an extensive array of services like real estate management, sales, and leasing of property across the UAE. They have a team of experts who are committed to enhancing the owner’s property returns as well as reducing the risks.

6. Fam Properties

In Dubai, Fam Properties is a reputable property management company that offers a wide range of services, including property renting, selling, and maintenance. Their creative approaches to managing properties and their commitment to providing value to their clients make them stand out.

7. Haus & Haus

One of the best property managers in Dubai, known for its professional approach to managing real estate. They offer services of property selling, renting, and managing it. They are renowned for their customer satisfaction history and dedication to work.

8. KeyOne Properties

KeyOne Properties is a renowned Dubai-based property management company. They offer services of selling, renting, and managing property with a proven track record of client satisfaction.

With their expertise and professionalism, KeyOne Properties is a top choice for real estate company management in Dubai.

9. The Property

The Property is a real estate management company in Dubai, with over a decade of experience in managing residential and commercial properties. They offer services like advertising, tenant screening, lease agreements, inspections, and real estate guidance. They are committed to working on transparency, security, quality service, and maximizing property owner profits. They provide regular updates to property owners, and the owners having multiple properties can access their portfolio online.

10. Yallarent

Yallarent specializes in short-term rentals for those who look for short-term lease property. They offer 24-hour customer service to both visitors as well as property owners. Landlords can expect returns of up to 40%, with service fees ranging from 6% to 20%. Their highest-tier package covers all aspects from marketing to tenant screening and repairs.

Bottom Line

Dubai’s property management industry offers diverse options for property owners. These companies provide services like leasing, selling, managing, or maintaining property.

Hiring property management services can help in maximizing return, and reduces risks and workloads.

When selecting a property management company in Dubai, assess factors like reputation, services, transparency, and licensing to make an informed choice. Hiring a real estate management company would be beneficial for those who own several properties, or live abroad for the long term.

8548bank requirements for mortgage application in UAE

Bank Requirements for Mortgage Application in UAE

Imagine you want to buy a new home in Dubai. That’s pretty exciting for anyone, right? But here’s the thing – coming up with all the cash you need upfront can be tough. Don’t worry, though! Getting a mortgage or a home loan in Dubai can make it much easier. Instead of paying everything at once, you can manage your payments over time.

Now, whether you’re living in the UAE, from another country, working for a company, or running your own business, there are some bank requirements for mortgage application approval you need to follow them. This guide will help you understand what documents you’ll need to apply for a mortgage in different cases. Let’s make your dream of owning a home in Dubai a reality!

Bank Requirements for UAE Residents

For a mortgage, there are some requirements from the Bank of UAE for the nationals or residents of UAE. The Documentation required for the mortgage approval is listed below,

Eligibility Criteria

  • For salaried employees, a minimum of 6 months in their current job is typically required.
  • Self-employed individuals are generally expected to have been operating their business for at least 2 years.
  • Maintaining a positive credit history is a crucial factor.
  • Initial down payments usually begin at 20%, although some national Islamic funding options may require only 15%.
  • Many banks set a minimum monthly income threshold, often starting at AED 15,000 (or AED 25,000 in salary or AED 3,000,000 in annual turnover for self-employed borrowers).
  • Usually, banks cap the monthly loan repayment at 50% of your income.
  • Typically, applicants should fall within the age range of 21 to 70 years old.
  • Some banks may restrict loans to individuals employed in well-established institutions or government departments.

Moreover, in addition to these documents, banks also verify the identity, residency, employment status, and financial position of the lender for trustworthiness.

Pre-Approval & Final Approval Documents for Residents

Common documents for pre-approval for both Salaried and Self-Employed

  • Passport
  • Emirates ID
                                       Pre-approval Final approval
Salaried Self-Employed Fully Filled Mortgage Application
Current salary certificate a valid copy of your trade license Facility Approval Proof
Pay slips from the past 3-6 months Memorandum of Association (MOA) with all updates Executed Purchase Agreement (Form F + MOU)
If you’ve been in your current job for less than 3 years, show proof of your previous employment Submit audited financial records from the last 2 years  NOC
recent credit card statements bank statements for your company from the last 6 months  —
Labor ID (if applicable) personal bank statements for the past 6 months  —

These documents are typically required during the mortgage application process for the nationals of UAE to assess your financial situation and eligibility.

Bank Requirements for Expats

The Home loan eligibility criteria for ex-pats which are very similar to the eligibility criteria of UAE residents are listed below,

Eligibility Criteria

  • For salaried employees, a minimum of 6 months in their current job is typically required.
  • Self-employed individuals are generally expected to have been operating their business for at least 2 years.
  • Maintaining a positive credit history is a crucial factor.
  • Initial down payments usually begin at 20%, although some national Islamic funding options may require only 15%.
  • Many banks set a minimum monthly income threshold, often starting at AED 15,000 (or AED 25,000 in salary or AED 3,000,000 in annual turnover for self-employed borrowers).
  • Usually, banks cap the monthly loan repayment at 50% of your income.
  • Typically, applicants should fall within the age range of 21 to 65 years old, 70 years for self-employed
  • Loan duration up to 25 years.
  • Some banks may restrict loans to individuals employed in well-established institutions or government departments.

Pre-Approval and Final Approval Documents for Expats 

Common documents for pre-approval for both Salaried and Self-Employed

  • Passport
  • Emirates ID
  • Proof of Residency with DEWA utility bills
                                       Pre-approval Final approval
Salaried Self-Employed Fully Filled Mortgage Application
Current salary certificate a valid copy of your trade license Facility Approval Proof
Pay slips from the past 3-6 months Memorandum of Association (MOA) with all updates Executed Purchase Agreement (Form F + MOU)
If you’ve been in your current job for less than 3 years, show proof of your previous employment Submit audited financial records from the last 2 years  NOC
recent credit card statements bank statements for your company from the last 6 months  —
Labor ID (if applicable) personal bank statements for the past 6 months  —

You can explore more home loans for ex-pats in the UAE for the understanding of applying for mortgage applications in the bank.

Bank Requirements for Foreigners

The typical Mortgage application process has also some bank requirements for mortgages for foreigners or non-residents of the UAE. The required documents are listed below,

Eligibility Criteria

  • For salaried employees, a minimum of 6 months in their current job is typically required.
  • Self-employed individuals are generally expected to have been operating their business for at least 2 years.
  • Maintaining a positive credit history is a crucial factor.
  • Initial down payments usually begin at 20%, although some national Islamic funding options may require only 15%.
  • Many banks set a minimum monthly income threshold, often starting from $ 4,000 (or An annual turnover exceeding $816,000 for self-employed individuals).
  • Usually, banks cap the monthly loan repayment at 50% of your income.
  • Typically, applicants should fall within the age range of 21 to 65 years old.
  • Loan duration up to 25 years.

Pre-Approval and Final Approval Documents for Foreigners

Common documents for pre-approval for both Salaried and Self-Employed

  • Passport with all pages
  •  Local ID
  • Overseas residential proof
                                       Pre-approval Final approval
Salaried Self-Employed Fully Filled Mortgage Application
Current salary certificate Company establishment document Facility Approval Proof
Pay slips from the past 3-6 months Memorandum of Association (MOA) with all updates Executed Purchase Agreement (Form F + MOU)
If you’ve been in your current job for less than 3 years, show proof of your previous employment Submit audited financial records from the last 2 years  NOC
Reference letter with at least 45 years old bank statements for your company from the last 6 months  —
Tax return for last two years personal bank statements for the past 6 months  —
Chamber of Commerce registration copy
Labor contract copy


How to Send These Mortgage Application Documents?

If you directly go to a bank or through a mortgage broker in Dubai for the application process then the bank gives to a list of required documents which they needed. These documents must be sent or you can WhatsApp them to the selected broker or bank to further examine the documents. After examination of documents, may be little mistakes found (Leading to numerous exchanges and discussions), which causes the delay of the application approval process.

Bottom Line

we’ve covered the eligibility criteria for both the pre-approval and final approval stages of the mortgage application process, focusing on UAE residents, UAE non-residents, and expats. These criteria are vital in meeting the bank requirements for mortgage applications. Understanding these prerequisites is key to making your dream of homeownership in the UAE a reality.


8543how to receive security deposit back from landlord

A Tenant’s Guide to Getting Your Security Deposit Back in UAE

UAE is the hub of the tenancy market, where tenants can find better rental options when their tenancy contracts are ended. So, now it’s time to vacate your apartment in UAE to have better opportunities and get your security deposit back from the landlord. But keep in mind that you make sure to return the property in the same condition if you want your security deposit 100% back. In this blog, we will explore some tips for receiving a security deposit back from a landlord without any hassle and disputes.

Tips for Receiving Security Deposit Back from Landlord

Getting a security deposit back should be dispute-free, if you follow these tips then surely the Security deposit return procedure will be easy for you.

Getting ready for a smooth move-out and Read the Maintenance clause

According to Law in UAE, the landlord is responsible for the maintenance or fixes of the property during the term of the lease. Moreover, according to Law, the landlord is responsible for major fixes of above 200 AED and tenants are responsible for minor fixes of less than 200 AED.

Therefore, if the maintenance clause is not included in the tenancy contract, then the landlord must be responsible for all the maintenance. If any damage to the property, the tenant must fix or repair it before handing back the property to the landlord to avoid any deduction of the security deposit.

Maintaining comprehensive records is also beneficial, encompassing details such as your move-in date, repairs conducted during your tenancy, any personal expenditures, and post-move-out activities.

While there are some documents to be ready to keep proof in case of any dispute with your landlord.

  • Tenancy contract
  • Utility bills of property
  • Maintenance invoices
  • Rent invoices
  • Ejari Certificate
  • Property Inspection Certificate
  • Inventory List

Cleaning and Repairs of Walls

Ensuring that you patch up wall holes, repaint if there are any stains, and remove stickers if any, will help secure the return of your security deposit without any deductions in the procedure.

Repair and Replace Furniture

In the scenario of residing in a furnished apartment, it is imperative for the tenant to keep the furniture in a well-maintained and tidy state, promptly addressing any damages that may occur. But in case of having an unfurnished apartment, the tenant should remove all the furniture and accessories from the home otherwise the landlord will deduct the furniture removal cost from your deposit cheques. Furthermore, any unaddressed damages may also lead to deductions from your deposit.

Communication with Your Landlord

Whenever you want to leave the property and end up with the tenancy contract, you have to communicate with the landlord to return your deposit. According to the lease contract, the process may typically require approximately 30 days for the landlord to safely return your deposit, but it may vary, you should first read the clauses of the lease contract. Building a healthy and pleasing relationship with your landlord helps you receive a security deposit back from the landlord without any hurdle.

Pay Utility Bills

Before moving out, one should pay out all the FEWA, internet bills. Moreover, cut the electricity, water, and internet at that time to avoid the extra expenses at the time of moving. If you do not turn off all the connections at the right time, obviously landlord will deduct charges from your deposits.

Move-Out Final Inspection

To secure the complete repayment of your security deposit, it’s crucial to make a move-out inspection checklist alongside your landlord before leaving. Follow these important steps:

Arrange an Inspection Appointment: Arrange a suitable date and time for the inspection that works for both tenant and landlord.

Thorough Walkthrough: Accompany your landlord as you precisely go through each room in the property, inside and out.

Document Existing Issues: Identify and clearly indicate any pre-existing problems or damages that were present at the start of your tenancy, as well as any wear and tear that occurred naturally over time.

Visual Evidence: Use your camera or smartphone to capture visual evidence of the property’s condition. Take photos or videos of all areas, focusing on any areas of concern.

Signed Confirmation: Request your landlord’s signature on a document affirming their inspection of the property. This document should express their satisfaction with the property’s condition and specify the agreement regarding the return of your security deposit, including any deductions if applicable.

Maintain a Copy: Ensure you keep a copy of this signed document for your own records.

By adhering to these steps, you can help guarantee the return of your security deposit in its entirety, avoiding any potential disputes.

Deductions and Disputes

If you’ve diligently followed all the necessary steps for a smooth move-out process but find that your landlord has unfairly deducted charges from your security deposit, resulting in a dispute, there is a recourse available.

In such circumstances, tenants have the option to file a complaint against their landlord with the Ajman Rent Disputes Committee.

Bottom Line

Moving out is a right of any tenant, but with proper guidelines, the procedure of receiving the security deposit back from the landlord becomes dispute-free.

If you are looking for rental properties, we have a bundle of apartments for rent in Ajman in our inventory.

8535villas for sale in ajman direct from owner
CategoriesReal Estate

Villas for Sale in Ajman Direct from Owner

Welcome to our blog, of villas for sale in Ajman direct from the owner, Ajman established a residency program of villas for foreigners and tourists in 2004. Compared to the neighboring emirates of Dubai, Sharjah, and Abu Dhabi, Ajman offers a significantly lower cost of living, making villas in this emirate a highly affordable option, especially when purchasing directly from the owner, as it eliminates the need for hefty commissions.

Whether you’re a single professional or have a small family, apartments for sale in Ajman can be an excellent choice.

However, if you have a larger family or desire more space and privacy, villas for sale directly from owners in Ajman become the ideal solution. In this blog, we will try to find out the best areas for direct owners selling villas in Ajman, and other factors for your help in making a decision to buy property in Ajman.

Types of Villas in Ajman

If you come to buy a villa for sale in Ajman, there will be a variety of options tailored to your specific needs and preferences. Certainly, villas come up with different square feet of area to accommodate various lifestyles and family sizes.

For those seeking a cozy yet spacious living space, the 3-bedroom villas for sale in Ajman offer around 1,695 square feet of living area with 4 bathrooms.

If you require more room for your family or desire extra space for guests and activities, the 4-bedroom villas for sale provide a generous 3,300 square feet of living space with 4 bathrooms.

Likewise, for those in search of a grand and luxurious living experience, the 5-bedroom villas for sale offer an expansive 5,000 square feet of living area.

Likewise, those families who are seeking a grand space with a luxurious lifestyle require 5-bedroom villas for sale which come up with 5,000 square feet of spacious area. The preference is yours to choose accommodation. Ajman offers a variety of living choices for everyone, hence Ajman cares about everyone.

Villa type Area
3-bedroom 1,695 sq. ft.
4-bedroom 3,300 sq. ft.
5-bedroom 5,000 sq. ft.


Popular Areas for Villas for Sale in Ajman Direct from the Owner

There is an abundance of the best places to live in Ajman, here we will discuss popular areas for Ajman villas for sale by owner.

Al Rawda

Located near the border of Sharjah, the abundance of villas here makes it a popular location for villas for sale in Ajman. Moreover, Real Estate Market report of Ajman in 2019, Al Rawda has become the top spot for buying and renting villas. There is a range of 3-bedroom villas to 7-bedroom villas available for sale directly from the owner, and its price range starts from 1,010,000 AED to 1,927,000 AED.

 Al Zahra

The most popular residential area for buying villas in Ajman according to Bayut’s Ajman Year End Market Report 2019rsing to Bayut’s Ajman Year End Market Report 2019. Located near the Al Helio, and the other most popular locations of Ajman like Emirates City and Al Jurf Industrial Area. There is a range of 4-bedroom villas and 5-bedroom villas available in Al Zahya with average sale prices of 706,000 AED and 1.1M AED respectively.

Al Yasmeen

Al Yasmeen is only a villa community with a range of 3-bedroom villas to 6-bedroom villas. This community is located Ajman-Sharjah Border and is a close proximity to Sheikh Muhammad Bin Zayed Road. The 3-bedroom villas have a price range of 840,000 AED to 990,000 AED. The Price range of 4-bedroom villas is 850,000 AED and the average sale price of 5-bedroom villas is 1.07M AED.  These prices may vary according to market trends, you can buy it directly from the owner so the commission will be eliminated from agents and brokers, which leads to lower sale prices.

Al Helio

This a residential district of Ajman, with 3 sub-communities Al Helio 1, 2, and 3. This sought-after location has direct access to Al Hamriyah Road and Sheikh Maktoum Bin Rashid Street. Al Helio offers 3-bedroom villas to 6-bedroom villas with average sale prices ranging from 909K AED to 1,132,000 AED.

 Al Mowaihat

This is another one of the popular developing community villas for sale in Ajman, located near the Ajman-Sharjah Border towards the South of Ajman. It has 3 sub-communities from Al Mowaihat 1 to Al Mowaihat 3. Moreover, Al Mowaihat is a popular residential area for villas and freehold flats in Ajman, due to its luxurious interior and affordability. Al Mowaihat offers 3-bedroom villas to 10-bedroom villas for sale in Ajman and has an average price range of 1,052,000 AED to 1,575,000 AED.

Benefits of Buying Villa Direct from the Owner

Reduce Property Buying Cost

Save money and reduce the buying cost of any property is one of the biggest advantages of buying property in UAE directly from the owner. If you rely on a real estate agent or broker to find villas, they will charge a commission which leads to an increase in the buying property cost.

There are other expenses as well if you buy property, for instance, if you buy villas for sale in Ajman directly from the owner of the developer, you have to pay Ajman property registration fees. Moreover, those who have to buy a property through a mortgage have to pay an additional 0.25% of the total value of the mortgage as well as an additional admin fee.

This process is mandatory whether you buy property directly or involve any agent, however, if you rely on agents they will charge extra costs as their commission which leads to an increase in the buying cost of the property.

Bypassing Agents or No Middle Man

Most of the time you know your needs best, and you can buy your property faster directly from the owner by eliminating the brokers because sometimes the middleman becomes a blessing for you or sometimes just a waste of time. No agents mean no commissions, and no extra charges. Some renowned developers in Ajman offer to book your desired property online, and it eliminates the need for real estate agents.

Bottom Line

Ajman’s direct-from-owner villa market offers an attractive opportunity for those seeking cost-effective and customizable housing solutions in the UAE. With various villa sizes and popular areas to choose from, Ajman caters to a range of preferences. Buying directly from owners not only reduces costs but also streamlines the purchasing process by eliminating middlemen.

Villas for sale in Ajman direct from the owner ensure a more efficient and cost-effective property acquisition experience in this thriving emirate.

8189ajman property registration
CategoriesReal Estate

Unlocking the Secrets: Your Step-by-Step Guide to Smooth Ajman Property Registration

Welcome to our comprehensive guide on smooth Ajman property registration. The sale registration process of a property is a very delicate process so, this step-by-step will guide you if you own property in Ajman, United Arab Emirates, or if you’re thinking about buying some. In this guide, we pretty make sure to make your registration process hassle-free, by explaining the details of all steps. Read more “Unlocking the Secrets: Your Step-by-Step Guide to Smooth Ajman Property Registration”

8346home loan in UAE for exptas

Secure Your Dream Home: Expert Guide to Home Loans in the UAE for Expats

1. Understanding Home Loans and Mortgages in the UAE for Expats

Overview of Home Loans in the UAE for Expats

In the United Arab Emirates, home loans, or mortgages, play a pivotal role in helping individuals and families achieve their dreams of homeownership. These financial products are tailored to provide individuals with the necessary funds to purchase residential properties, be they apartments, villas, or townhouses. Home loans in the UAE for Expats are offered by various banks and financial institutions, each with its unique terms and conditions.

Importance of Home Loans

Home loans are integral to the real estate landscape of the UAE. They empower people, both residents, and expatriates, to invest in real estate, secure a place to call home, and build equity over time. Homeownership is not only a symbol of stability but also a wise financial investment. Understanding the nuances of home loans is crucial for making informed decisions about your financial future and property investments.

2. Mortgage Eligibility for Expats in the UAE

Access to Mortgages for Expatriates

Expatriates, or expats, residing in the UAE have the opportunity to access mortgage financing to buy property in this dynamic country. The UAE government recognizes the importance of expat contributions to the economy and, consequently, facilitates their homeownership dreams by offering various mortgage options.

Requirements for Expats

However, there are specific requirements that expats must meet to be eligible for a mortgage. These requirements typically include a stable source of income, a valid residence visa, and other documentation as mandated by the respective lender. Understanding these requirements is essential for expats planning to invest in UAE real estate.

3. Types of Home Loans and Mortgages in the UAE

In the UAE, there is a diverse range of mortgage products to cater to the unique needs of different borrowers. These options include fixed-rate mortgages, variable-rate mortgages, Capped-rate mortgages, Offset mortgages, Remortgage, and even Islamic mortgages that comply with Shariah principles. Understanding these mortgage types and their implications is vital for making the right financing choice.

4. Eligibility Criteria for Obtaining a Home Loan

  1. For employment, you have a stable job, you should have been six months to 1 year for the current job.
  2. Your credit history should be clear, If case you do have not a credit card, you should buy 1 card and pay on time to make a clear credit history
  3. For business owners, your business should have been operating for at least 2 years

5. Minimum Down Payment Requirements for UAE Home Loans for Expats

Down Payment Guidelines for Expats

When applying for a home loan in the UAE, one of the critical factors to consider is the down payment requirement. Down payments represent a portion of the property’s purchase price that borrowers must pay upfront. These requirements vary depending on the property’s value and the lender’s policies. However, expats have to pay a minimum of 15% of the total value as a down payment.

Factors Influencing Loan Amount Approval

Obtaining approval for a home loan in the UAE involves several factors. Lenders assess your creditworthiness, income stability, and debt-to-income ratio. Your credit history, employment status, and other financial factors play a pivotal role in the lender’s decision-making process. Understanding these determinants can help you strengthen your loan application.

6. Estimating Your Home Loan Amount in Dubai

For properties valued at AED 5 million or less: you can borrow up to 80% of the property’s value.

Properties valued above AED 5 million: You can borrow a maximum of 70% of the property’s value.

When purchasing a second or investment property: You can borrow a maximum of 65% of the property’s value. This condition applies specifically to ready properties.

7. Down Payments for Home Loans in Dubai

  • To secure a loan, it’s important to demonstrate your financial stability by providing a down payment of at least 15% of the property’s cost.
  • Some banks provide the flexibility to include purchase costs in your mortgage, allowing you to afford a more valuable property.
  • However, putting all your savings into the property purchase can make it challenging to manage mortgage payments.
  • Fortunately, some banks have solutions to help:
  • They may offer the option to delay your mortgage payments for up to 6 months.
  • Alternatively, they might provide financing without requiring an initial down payment, which can help you better manage your finances before starting regular installments.
  • When considering the purchase of a property, it’s essential to explore these available options based on your unique financial circumstances.
  • Remember, buying a property is a significant investment and a long-term commitment that requires careful financial planning.

8. Mortgage Agreement in Principle Explained

A mortgage agreement in principle, also known as a pre-approval, is a valuable document that represents the basic approval from the bank on your loan. It provides an estimate of the loan amount you can secure, helping you make informed decisions during your property search.

9. Saving Strategies for Home Loan Down Payments

  • Begin your savings journey several years prior to buying a property. Saving for a down payment can be a significant financial endeavor. Implementing savings strategies, such as setting a budget, cutting unnecessary expenses, and exploring investment opportunities, can help you accumulate the necessary funds over time.
  • Consider transferring any saved funds or investments to the United Arab Emirates (UAE).
  • If you have property mortgages either in the UAE or abroad, it’s a good idea to clear those obligations before proceeding with your property purchase

10. Documentation Required for Home Loan Applications

Document Checklist that you should have before applying for a home loan in UAE banks.

  • Passport copy
  • Proof of salary
  • UAE Residency proof
  • Proof of Current living address in UAE
  • If you are a business owner, should have a trade license
  • Previous three to six months’ bank statement

11. Process of Applying for a Home Loan in the UAE

  • First, you choose to deal with the bank directly or you hire a mortgage broker in Dubai for a home loan
  • Choose the most suitable mortgage option
  • Obtain a pre-approved mortgage agreement or a confirmation letter of acceptance.
  • Search for a suitable property and make a deal
  • Pay the deposit for the confirmation of buying the property
  • The bank will pay the dues till the completion date

12. Utilizing a Home Loan Calculator in the UAE

The mortgage calculators are provided by the many websites in the UAE to pre-estimate the monthly installments you have to pay on a home loan.

13. List of Banks with the Best Mortgage Rates in the UAE

The UAE mortgage market is competitive, with various banks competing to offer attractive interest rates and terms. Researching and comparing rates from different lenders can help you secure the best deal on your home loan. Here is a list of banks that offer the best mortgage rates for home loans in the UAE for expats.

  • ADIB
  • The Commercial Bank of Dubai (CBD)
  • Emirates Islamic
  • FAB
  • Dubai Islamic Bank

14. Is Property Insurance with Home Loans important?

Yes in UAE, property insurance is essential before having a home loan in UAE for expats. Furthermore, the policies of insurance are safe for any buyer to save him from any future loss.

15. Exploring Mortgage Refinancing in the UAE

Mortgage refinancing allows homeowners to replace their existing home loan with a new one, often to secure better terms, lower interest rates, or tap into equity. It’s a financial strategy that can optimize your mortgage over time.

16. Mortgage Refinancing Eligibility in the UAE

You can switch to another deal by contacting your bank. The UAE offers favorable living conditions, and with your knowledge of home loans, owning a home is within reach. You can check properties for sale in Ajman to have your dream home.


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Finding the Best Mortgage Broker in Dubai: A Comprehensive Guide

To buy a home, taking out a mortgage is a complex procedure, whether you are in the UAE or any country of the world. Moreover, picking the best mortgage broker in Dubai is not an easy task when you have hundreds of the best mortgage programs. Therefore, having the appropriate mortgage broker by your side might make all the difference when it comes to obtaining a mortgage in Dubai. A fast and successful procedure depends on choosing the finest mortgage broker, whether you’re a first-time home buyer or looking to refinance. We’ll walk you through the essential processes and factors to take into account while looking for the top mortgage brokers in UAE in this comprehensive guide.

Let’s address some essential questions first before getting into the main topic.

What is a mortgage broker?

A loan broker in Dubai helps people find the right mortgage and act as a bridge between real estate buyers and bank. Typically, first-time buyers require expert assistance and professional guidance, particularly if they are non-residents unfamiliar with the local real estate market and legal procedures. They connect you with lenders who offer good rates. Mortgage brokers make the process easier by handling paperwork and communicating with lenders. They guide you through the steps, making it simpler to get a mortgage that fits your needs and budget.

Why Mortgage Brokers need in Dubai or UAE?

Over 30 home loan companies working in UAE for hundreds of financing options for buyers. The residents can be residents or non-residents applying for property financing procedures while buying real estate in the UAE. In every program of mortgage, each option differs in credit limits, interest rates, terms and conditions, etc. A mortgage broker helps customers choose the best financing program according to their interests and budget rather than the interests of the bank, ensuring a smoother and more informed home loan process.

How much do mortgage brokers charge in the UAE?

Mortgage broker fees in Dubai or the UAE typically fall within the range of 2000 to 5000 AED or 1-2% of the total value of the mortgage transaction. These charges cover the comprehensive assistance and expert guidance provided by brokers throughout the mortgage application process. It’s important to discuss and clarify these fees upfront with your chosen broker to ensure transparency and avoid any surprises later in the process.

How to pick the best mortgage broker?

Dubai’s real estate market is dynamic and ever-changing, making it crucial to have a knowledgeable mortgage broker. A top-tier loan broker can offer personalized guidance, access to the best rates, and a seamless application process. Here’s how you can find the right one:

Understanding Your Needs

Before you begin your search, take a moment to assess your financial situation and mortgage needs. Are you looking for a fixed or variable rate? What’s your budget? Having a clear understanding of your requirements will help you narrow down your options.

Researching Local Expertise

Dubai’s mortgage landscape has its complexities, so it’s important to choose a broker with local expertise. Look for brokers who have a deep understanding of the Dubai real estate market and its regulations.

Seeking Recommendations

Reach out to friends, family, or colleagues who have recently purchased property in Dubai. Personal recommendations can provide valuable insights and help you find a reliable mortgage broker.

Checking Credentials

Ensure that the loan brokers in Dubai you’re considering are licensed by relevant authorities. Licensing indicates professionalism and adherence to industry standards. They should have completed the Certified Mortgage Broker Course (CMB) issued by Dubai Real Estate Institute.

Comparing Rates and Offers

Before searching for a mortgage broker, first, you can use the mortgage calculated offer by many websites in Dubai and it’s a completely free service. Then you will get an approximate figure. Therefore, different brokers may offer varying rates and mortgage packages. Don’t hesitate to ask for quotes and compare offers from multiple brokers to find the most competitive deal, if you primarily calculate the approximate value then you can choose the best one.

Reading Reviews and Testimonials

Online reviews and testimonials can offer a glimpse into the experiences of other clients. Look for brokers with positive feedback and a strong reputation.

Interviewing Potential Brokers

Narrow down your list of potential brokers and schedule interviews with them. Use this opportunity to gauge their communication skills, responsiveness, and willingness to address your concerns.

Inquiring About Lender Relationships

Established brokers often have strong relationships with lenders, which can be advantageous for securing favorable terms. Inquire about the broker’s connections within the industry.

Transparency in Fees

Mortgage brokers charge fees for their services. It’s important to have a clear understanding of these fees upfront to avoid any surprises later in the process. In UAE brokers often charge 2000 AED to 5000 AED.

Understanding the Process

In UAE mortgage process has certain complexities. So, a reputable and certified broker will guide you through the mortgage application process step by step. They should be able to explain complex terms and procedures in a simple and understandable manner.

Seeking Customized Solutions

Every borrower’s financial situation is unique. Look for a broker who is willing to tailor their services to meet your specific needs and financial goals rather than the interests of Dubai Banks.

Communication is Key

Open and transparent communication is vital throughout the mortgage application process. Choose a mortgage broker in Dubai who keeps you informed at every stage of the journey.

Attentiveness to Your Concerns

A reliable broker will listen to your concerns and address any questions you have. Avoid loan brokers in Dubai who seem more interested in making a sale than in understanding your needs.

Track Record of Success

Ask potential brokers about their track record in securing mortgages for clients. A history of successful deals is a positive indicator of their expertise.

Flexibility and Availability

Real estate transactions can move quickly. Ensure that your chosen broker is available and flexible enough to accommodate your schedule.

Legal and Regulatory Knowledge

Dubai’s mortgage regulations can be complex. A knowledgeable and certified broker should be well-versed in these regulations to ensure a smooth and compliant process.

Pre-Approval Process

Pre-approval services are frequently provided by brokers, which can help you better understand your budget and speed up the property search.

Industry Connections

Some loan brokers in Dubai who have strong connections in the local market can provide referrals to other professionals you may need during the home-buying process, such as real estate agents and lawyers.

Online Resources and Tool

There are several websites in UAE that offer online mortgage application process. So, the brokers offer online tools and resources to streamline the mortgage application process for the buyers’ convenience.

Assistance Beyond Approval

The best brokers offer support even after your mortgage is approved, helping you navigate any post-approval challenges.

Gut Feeling Matters

Trust your instincts. If you feel a strong rapport with a particular broker and they meet all the criteria, they might be the right fit for you.

Seeking Client References

Don’t hesitate to ask brokers for references from past clients. You can directly ask others who have work experience with the broker and can provide you the valuable insights.

Professionalism in Communication

Choose a broker who communicates professionally and promptly, demonstrating their commitment to your partnership.

Local Market Knowledge

Local market knowledge is a key factor in successful and expert mortgage broker. So, if a broker has deep knowledge of UAE’s real estate market as well as is well-known about financing a home, this will be the best option for buyers.

Comparing Multiple Brokers

Comparing multiple brokers is a best practice before picking a mortgage broker which ensures you to make an informed decision regarding taking a home loan.


Securing a mortgage in Dubai doesn’t have to be a daunting task. With the right mortgage broker by your side, the process can be smooth, efficient, and even enjoyable. Remember to thoroughly research and interview potential brokers, taking into account their expertise, communication skills, and track record. By following these steps, you can find the best mortgage broker in Dubai to buy a dream home in the UAE.

8326samana skyros floor plans
CategoriesReal Estate

Samana Skyros at Arjan Floor Plans: A Dream Living Experience

The floor plan plays a crucial role in evaluating how comfortable and useful a room is when it comes to looking for the ideal place to call home. Samana Skyros at Arjan understands this sentiment and brings to you a collection of floor plans that redefine modern living. These floor plans provide something for everyone, whether you’re a young professional, a couple starting a family, or someone looking to downsize. From cozy one-bedroom apartments to expansive three-bedroom units, these floor plans are a reflection of thoughtful architecture and contemporary aesthetics.

Skyros Apartments Overview

Nestled within Arjan, Dubai, are a total of 441 meticulously crafted apartments, each representing the peak of international standards when it comes to design, quality, and spaciousness. Accessibility to amenities is a key highlight, ensuring that residents can easily indulge in the comforts offered. The array of choices caters to different preferences: 178 studio apartments boast the luxury of a pool, while 4 studio apartments offer serene calm. For those seeking a one-bedroom abode, 204 apartments provide access to a pool, while 1 apartment provides a similar layout without a pool. Additionally, 49 two-bedroom apartments offer a spacious oasis with a pool view, and 5 retail apartments offer convenience within the complex. In sum, IVY Gardens stands as a testament to exceptional living with a grand total of 441 thoughtfully designed apartments.

Project detail

This distinguished property presents itself as a residential community, featuring an arrangement of 3 basements, a ground floor, and 17 upper levels. Its footprint occupies an extensive plot area of 52,511.0 square feet, while the entire building encompasses a substantial 567,432.68 square feet.

Apartement Types in Samana Skyros with floor plans

Studio without pool

4 studio apartments are available without a pool, the studio apartments in Samana Skyros have a bathroom, kitchen, balcony, and 1 bedroom and have a total of 430 to 439 square feet area.

studio without pool at samana skyros
studio without a pool at Samana Skyros

Studio with pool

178 studio apartments available with pool, and have 1bedoom, 1 kitchen, 1 bathroom, and 1 balcony connected with private pool.

Studio with pool at Samana Skyros
Studio Apartment with pool at Samana Skyros

1-bedroom without pool

Only 1 apartment without a pool is available, and it has 1 bedroom with an attached bathroom, 1 living room,1 kitchen, 1 powder room, and 1 balcony.

1 bedroom without pool at Samana Skyros
1 bedroom Apartment without a pool at Samana Skyros

1-bedroom with pool

204 apartments with private pools available, and have 1 bedroom with attached bathroom, 1 living room,1 kitchen, 1 powder room, and 1 balcony connected with a private pool. These apartments cover an area ranging from 749 square feet to 949 square feet.

1 bedroom with pool at Samana Skyros
1 bedroom Apartment with pool at Samana Skyros

2-bedroom with pool

49 apartments with pool available at Samana Skyros having 2 bathrooms, 1 kitchen, 1 living room, and 1 balcony with private pool. These apartments cover an area ranging from 1232  square feet to 1900 square feet.

2 bedroom with pool at Samana Skyros
2 bedroom Apartment with pool at Samana Skyros


Samana Skyros at Arjan provides an exceptional living experience with its carefully planned floor layouts and top-notch amenities. Whether you’re searching for an adorable one-bedroom getaway or a roomy three-bedroom haven, these floor plans offer proof that living in style and comfort is possible. These floor plans demonstrate that living in style and comfort is attainable, whether you’re looking for a sweet one-bedroom retreat or a spacious three-bedroom haven.

Experience Samana Skyros’ luxury and sophistication at Arjan. Accept a life of ease, elegance, and convenience in a neighborhood that respects your goals.


Q: Are there different payment plans available for purchasing units at Samana Skyros?

A: Yes, Samana Skyros offers flexible payment plans to suit various preferences and budgets. Contact their sales team for more information.

Q: Are pets allowed within the community?

A: Yes, pets are welcome at Samana Skyros. The community is designed to accommodate furry family members.

Q: What sets Samana Skyros apart from other residential complexes?

A: Samana Skyros stands out for its innovative architecture with private pools, thoughtful floor plans, and premium amenities that cater to a luxurious lifestyle.

Q: Is the community easily accessible from key locations in the city?

A: Yes, Samana Skyros is strategically located, providing easy access to major highways, business districts, and entertainment hubs.

Q: Which type of apartments are available at Samana Skyros?

A: At Samana Skyros, studios, 1-bedroom and 2-bedroom apartments are available with and without pools.



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