干貨！在阿布扎比購買房產(chǎn)全流程，一篇讀懂！
發(fā)布: 2025-5-19 20:18 | 作者: 大風(fēng)吹1 | 來源: 洋溪資訊 槎溪信息
在阿布扎比購買房產(chǎn)，對(duì)于全球投資者而言，既是資產(chǎn)配置的“安全港”，也是財(cái)富增值的“新引擎”。然而，跨國購房涉及政策、法律、金融等多重環(huán)節(jié)，稍有不慎便可能踩坑。本文將系統(tǒng)梳理在阿布扎比購買房產(chǎn)的全流程，從前期準(zhǔn)備到后期交房，手把手教你避開陷阱，輕松開啟中東投資之旅。同時(shí)，軟性揭秘UHP的獨(dú)家資源與服務(wù)，助你高效布局。
第一步：前期準(zhǔn)備——明確資格與預(yù)算
1. 購房資格
阿布扎比對(duì)外籍人士購房無限制，但需注意區(qū)域差異：
自由區(qū)：如亞斯島、薩迪亞特島，外籍人士可擁有房產(chǎn)永久產(chǎn)權(quán)。
非自由區(qū)：需通過阿聯(lián)酋公民或公司代持，但租賃權(quán)通常為99年。
UHP提示：通過我們合作的專業(yè)律師，可快速確認(rèn)目標(biāo)房產(chǎn)的產(chǎn)權(quán)類型。
2. 預(yù)算規(guī)劃
阿布扎比購房成本包括：
房?jī)r(jià)：核心區(qū)域公寓均價(jià)約2萬迪拉姆/㎡，別墅均價(jià)4萬迪拉姆/㎡。
稅費(fèi)：無房產(chǎn)稅、增值稅，但需支付4%土地注冊(cè)費(fèi)。
其他費(fèi)用：律師費(fèi)（約1%）、中介費(fèi)（2%）、物業(yè)費(fèi)（約20迪拉姆/㎡/月）。
UHP服務(wù)：提供免費(fèi)預(yù)算模板，整合房?jī)r(jià)、稅費(fèi)、租金收益等數(shù)據(jù)，一鍵生成投資回報(bào)預(yù)測(cè)。
第二步：選房看房——鎖定目標(biāo)區(qū)域與項(xiàng)目
1. 區(qū)域選擇
薩迪亞特島：文化地標(biāo)集群（盧浮宮、古根海姆博物館），高端住宅年均漲幅12%。
亞斯島：F1賽道、主題公園驅(qū)動(dòng)，公寓出租率超90%。
瑞姆島：新興商務(wù)區(qū)，公寓均價(jià)低于薩迪亞特島20%，適合長(zhǎng)期持有。
UHP推薦：獨(dú)家代理NOBU RESIDENCES（Nobu住宅），2026年開業(yè)后將成為中東首個(gè)Nobu酒店式公寓，預(yù)計(jì)租金回報(bào)率超7%。
2. 項(xiàng)目篩選
通過阿布扎比房產(chǎn)網(wǎng)或UHP平臺(tái)，可按以下維度篩選：
開發(fā)商資質(zhì)：優(yōu)先選擇Aldar、Bloom等本土龍頭，交付記錄良好。
付款計(jì)劃：如MANDARIN ORIENTAL RESIDENCES（文華東方住宅）提供65/35分期付款，降低資金壓力。
配套設(shè)施：關(guān)注泳池、健身房、安保等，直接影響租金收益。
第三步：簽訂合同——法律風(fēng)險(xiǎn)全規(guī)避
1. 合同審核
關(guān)鍵條款：交房時(shí)間、違約責(zé)任、付款節(jié)點(diǎn)需明確。例如，若開發(fā)商延期交付，需按日支付違約金。
附加協(xié)議：如精裝標(biāo)準(zhǔn)、家具包需寫入合同，避免貨不對(duì)板。
UHP服務(wù)：合作律師團(tuán)隊(duì)提供免費(fèi)合同審查，曾發(fā)現(xiàn)某開發(fā)商試圖隱藏“公共區(qū)域維護(hù)費(fèi)每年上漲10%”的條款，為客戶挽回潛在損失。
2. 支付定金
通常為房?jī)r(jià)的10%，需通過銀行轉(zhuǎn)賬至開發(fā)商監(jiān)管賬戶，確保資金安全。
第四步：貸款與過戶——金融與法律雙保障
1. 貸款申請(qǐng)
條件：需提供護(hù)照、簽證、工資證明（或銀行流水）。
額度：本地銀行最高可貸50%，利率約3.94%。
UHP合作銀行：阿布扎比商業(yè)銀行（ADCB）、阿聯(lián)酋NBD，提供快速審批通道。
2. 過戶交房
產(chǎn)權(quán)登記：通過阿布扎比房地產(chǎn)中心（Dari）完成，需繳納4%土地注冊(cè)費(fèi)。
房屋驗(yàn)收：檢查水電、空調(diào)、墻面等，UHP提供專業(yè)驗(yàn)房師服務(wù)。
第五步：后期管理——租售無憂，躺賺收益
1. 租賃托管
UHP服務(wù)：從租客篩選到租金代收，提供一站式管理。例如，MAMSHA GARDENS（瑪姆沙花園）業(yè)主可享年均8%凈租金回報(bào)。
法律合規(guī)：協(xié)助辦理Ejari租賃合同，確保符合阿聯(lián)酋租房法。
2. 資產(chǎn)增值
UHP報(bào)告：每季度發(fā)布《阿布扎比房產(chǎn)白皮書》，預(yù)測(cè)區(qū)域漲幅。例如，薩迪亞特島因基建投入，預(yù)計(jì)未來五年房?jī)r(jià)再漲30%。
在阿布扎比購買房產(chǎn)，既是全球資產(chǎn)配置的“必選項(xiàng)”，也是技術(shù)活。通過UHP的專業(yè)服務(wù)，投資者可高效布局薩迪亞特島、亞斯島等核心區(qū)域，享受從選房到售后的一站式賦能。此刻行動(dòng)，開啟你的中東財(cái)富之旅！
dried food! The whole process of purchasing property in Abu Dhabi, one article to understand!
Purchasing property in Abu Dhabi is both a "safe haven" for global investors in asset allocation and a "new engine" for wealth appreciation. However, cross-border home purchases involve multiple aspects such as policies, laws, and finance, and a slight mistake may lead to pitfalls. This article will systematically review the entire process of purchasing property in Abu Dhabi, from preparation to delivery, teaching you step by step to avoid pitfalls and easily embark on a Middle East investment journey. At the same time, the software reveals UHP's exclusive resources and services to help you efficiently layout.
Step 1: Preliminary Preparation - Clarify Qualifications and Budget
1. Qualifications for purchasing a house
Abu Dhabi has no restrictions on foreign nationals purchasing homes, but regional differences should be noted:
Free zones: such as Yas Island and Sadiat Island, where foreigners can have permanent property rights.
Non free zones: must be held on behalf of UAE citizens or companies, but the lease term is usually 99 years.
UHP Tip: Through our professional lawyers, we can quickly confirm the property ownership type of the target property.
2. Budget planning
The cost of purchasing a house in Abu Dhabi includes:
. Housing prices: The average price for apartments in the core area is about 20000 dirhams per square meter, and the average price for villas is 40000 dirhams per square meter.
Tax: No property tax or value-added tax, but a 4% land registration fee is required.
. Other expenses: Lawyer fees (approximately 1%), intermediary fees (2%), property management fees (approximately 20 dirhams/square meter/month).
UHP service: Provides free budget templates, integrates data on housing prices, taxes, rental income, etc., and generates investment return forecasts with just one click.
Step 2: House selection and viewing - Identify the target area and project
1. Regional selection
Saadiyat Island: Cultural landmark cluster (Louvre Museum, Guggenheim Museum), with an average annual increase of 12% in high-end residential properties.
Yas Island: F1 track, theme park drive, apartment rental rate exceeds 90%.
Rem Island: an emerging business district with an average apartment price 20% lower than Sadiat Island, suitable for long-term holding.
UHP recommendation: Exclusive agent for NOBU Residences, which will become the first Nobu hotel style apartment in the Middle East after opening in 2026, with an expected rental return rate of over 7%.
2. Project screening
Through Abu Dhabi Property Network or UHP platform, you can filter according to the following dimensions:
Developer qualification: Priority should be given to local leaders such as Aldar and Bloom, with good delivery records.
Payment plan: For example, MANDARIN ORIENTIAL Residences offers 65/35 installment payments to reduce financial pressure.
Supporting facilities: Pay attention to swimming pools, gyms, security, etc., which directly affect rental income.
Step 3: Sign the contract - fully avoid legal risks
1. Contract review
Key terms: Delivery time, breach of contract liability, and payment milestones need to be clearly defined. For example, if the developer delays delivery, they need to pay a daily penalty.
Additional agreements: such as high-end decoration standards and furniture packages need to be included in the contract to avoid mismatched goods.
UHP service: A team of cooperating lawyers provides free contract review, and once discovered that a developer attempted to hide the clause that "public area maintenance fees increase by 10% annually" to recover potential losses for clients.
2. Pay a deposit
Usually 10% of the house price needs to be transferred to the developer's regulatory account through bank transfer to ensure fund security.
Step 4: Loan and Transfer - Dual Financial and Legal Protection
1. Loan application
. Requirements: Passport, visa, and proof of salary (or bank statement) must be provided.
.Credit limit: Local banks can lend up to 50% with an interest rate of approximately 3.94%.
UHP partner banks: Abu Dhabi Commercial Bank (ADCB), UAE NBD, providing fast approval channels.
2. Transfer and deliver the property
Property registration: Completed through the Abu Dhabi Real Estate Centre (Dari), a 4% land registration fee is required.
House acceptance: Inspect water, electricity, air conditioning, walls, etc. UHP provides professional house inspection services.
Step 5: Post management - worry free rental and sales, profit from lying down
1. Lease and custody
UHP service: providing one-stop management from tenant screening to rent collection. For example, owners of MAMSHA GARDENS can enjoy an average net rental return of 8% per year.
Legal compliance: Assist in handling Ejari lease contracts to ensure compliance with UAE rental laws.
2. Asset appreciation
UHP Report: Quarterly release of Abu Dhabi Property White Paper, predicting regional price increases. For example, Saadiyat Island is expected to see a further 30% increase in housing prices over the next five years due to infrastructure investment.
Buying property in Abu Dhabi is both a "must-have" for global asset allocation and a technical activity. Through UHP's professional services, investors can efficiently layout core areas such as Saadiyat Island and Yas Island, and enjoy one-stop empowerment from home selection to after-sales service. Take action now and embark on your Middle East wealth journey!
第一步：前期準(zhǔn)備——明確資格與預(yù)算
1. 購房資格
阿布扎比對(duì)外籍人士購房無限制，但需注意區(qū)域差異：
自由區(qū)：如亞斯島、薩迪亞特島，外籍人士可擁有房產(chǎn)永久產(chǎn)權(quán)。
非自由區(qū)：需通過阿聯(lián)酋公民或公司代持，但租賃權(quán)通常為99年。
UHP提示：通過我們合作的專業(yè)律師，可快速確認(rèn)目標(biāo)房產(chǎn)的產(chǎn)權(quán)類型。
2. 預(yù)算規(guī)劃
阿布扎比購房成本包括：
房?jī)r(jià)：核心區(qū)域公寓均價(jià)約2萬迪拉姆/㎡，別墅均價(jià)4萬迪拉姆/㎡。
稅費(fèi)：無房產(chǎn)稅、增值稅，但需支付4%土地注冊(cè)費(fèi)。
其他費(fèi)用：律師費(fèi)（約1%）、中介費(fèi)（2%）、物業(yè)費(fèi)（約20迪拉姆/㎡/月）。
UHP服務(wù)：提供免費(fèi)預(yù)算模板，整合房?jī)r(jià)、稅費(fèi)、租金收益等數(shù)據(jù)，一鍵生成投資回報(bào)預(yù)測(cè)。
第二步：選房看房——鎖定目標(biāo)區(qū)域與項(xiàng)目
1. 區(qū)域選擇
薩迪亞特島：文化地標(biāo)集群（盧浮宮、古根海姆博物館），高端住宅年均漲幅12%。
亞斯島：F1賽道、主題公園驅(qū)動(dòng)，公寓出租率超90%。
瑞姆島：新興商務(wù)區(qū)，公寓均價(jià)低于薩迪亞特島20%，適合長(zhǎng)期持有。
UHP推薦：獨(dú)家代理NOBU RESIDENCES（Nobu住宅），2026年開業(yè)后將成為中東首個(gè)Nobu酒店式公寓，預(yù)計(jì)租金回報(bào)率超7%。
2. 項(xiàng)目篩選
通過阿布扎比房產(chǎn)網(wǎng)或UHP平臺(tái)，可按以下維度篩選：
開發(fā)商資質(zhì)：優(yōu)先選擇Aldar、Bloom等本土龍頭，交付記錄良好。
付款計(jì)劃：如MANDARIN ORIENTAL RESIDENCES（文華東方住宅）提供65/35分期付款，降低資金壓力。
配套設(shè)施：關(guān)注泳池、健身房、安保等，直接影響租金收益。
第三步：簽訂合同——法律風(fēng)險(xiǎn)全規(guī)避
1. 合同審核
關(guān)鍵條款：交房時(shí)間、違約責(zé)任、付款節(jié)點(diǎn)需明確。例如，若開發(fā)商延期交付，需按日支付違約金。
附加協(xié)議：如精裝標(biāo)準(zhǔn)、家具包需寫入合同，避免貨不對(duì)板。
UHP服務(wù)：合作律師團(tuán)隊(duì)提供免費(fèi)合同審查，曾發(fā)現(xiàn)某開發(fā)商試圖隱藏“公共區(qū)域維護(hù)費(fèi)每年上漲10%”的條款，為客戶挽回潛在損失。
2. 支付定金
通常為房?jī)r(jià)的10%，需通過銀行轉(zhuǎn)賬至開發(fā)商監(jiān)管賬戶，確保資金安全。
第四步：貸款與過戶——金融與法律雙保障
1. 貸款申請(qǐng)
條件：需提供護(hù)照、簽證、工資證明（或銀行流水）。
額度：本地銀行最高可貸50%，利率約3.94%。
UHP合作銀行：阿布扎比商業(yè)銀行（ADCB）、阿聯(lián)酋NBD，提供快速審批通道。
2. 過戶交房
產(chǎn)權(quán)登記：通過阿布扎比房地產(chǎn)中心（Dari）完成，需繳納4%土地注冊(cè)費(fèi)。
房屋驗(yàn)收：檢查水電、空調(diào)、墻面等，UHP提供專業(yè)驗(yàn)房師服務(wù)。
第五步：后期管理——租售無憂，躺賺收益
1. 租賃托管
UHP服務(wù)：從租客篩選到租金代收，提供一站式管理。例如，MAMSHA GARDENS（瑪姆沙花園）業(yè)主可享年均8%凈租金回報(bào)。
法律合規(guī)：協(xié)助辦理Ejari租賃合同，確保符合阿聯(lián)酋租房法。
2. 資產(chǎn)增值
UHP報(bào)告：每季度發(fā)布《阿布扎比房產(chǎn)白皮書》，預(yù)測(cè)區(qū)域漲幅。例如，薩迪亞特島因基建投入，預(yù)計(jì)未來五年房?jī)r(jià)再漲30%。
在阿布扎比購買房產(chǎn)，既是全球資產(chǎn)配置的“必選項(xiàng)”，也是技術(shù)活。通過UHP的專業(yè)服務(wù)，投資者可高效布局薩迪亞特島、亞斯島等核心區(qū)域，享受從選房到售后的一站式賦能。此刻行動(dòng)，開啟你的中東財(cái)富之旅！
dried food! The whole process of purchasing property in Abu Dhabi, one article to understand!
Purchasing property in Abu Dhabi is both a "safe haven" for global investors in asset allocation and a "new engine" for wealth appreciation. However, cross-border home purchases involve multiple aspects such as policies, laws, and finance, and a slight mistake may lead to pitfalls. This article will systematically review the entire process of purchasing property in Abu Dhabi, from preparation to delivery, teaching you step by step to avoid pitfalls and easily embark on a Middle East investment journey. At the same time, the software reveals UHP's exclusive resources and services to help you efficiently layout.
Step 1: Preliminary Preparation - Clarify Qualifications and Budget
1. Qualifications for purchasing a house
Abu Dhabi has no restrictions on foreign nationals purchasing homes, but regional differences should be noted:
Free zones: such as Yas Island and Sadiat Island, where foreigners can have permanent property rights.
Non free zones: must be held on behalf of UAE citizens or companies, but the lease term is usually 99 years.
UHP Tip: Through our professional lawyers, we can quickly confirm the property ownership type of the target property.
2. Budget planning
The cost of purchasing a house in Abu Dhabi includes:
. Housing prices: The average price for apartments in the core area is about 20000 dirhams per square meter, and the average price for villas is 40000 dirhams per square meter.
Tax: No property tax or value-added tax, but a 4% land registration fee is required.
. Other expenses: Lawyer fees (approximately 1%), intermediary fees (2%), property management fees (approximately 20 dirhams/square meter/month).
UHP service: Provides free budget templates, integrates data on housing prices, taxes, rental income, etc., and generates investment return forecasts with just one click.
Step 2: House selection and viewing - Identify the target area and project
1. Regional selection
Saadiyat Island: Cultural landmark cluster (Louvre Museum, Guggenheim Museum), with an average annual increase of 12% in high-end residential properties.
Yas Island: F1 track, theme park drive, apartment rental rate exceeds 90%.
Rem Island: an emerging business district with an average apartment price 20% lower than Sadiat Island, suitable for long-term holding.
UHP recommendation: Exclusive agent for NOBU Residences, which will become the first Nobu hotel style apartment in the Middle East after opening in 2026, with an expected rental return rate of over 7%.
2. Project screening
Through Abu Dhabi Property Network or UHP platform, you can filter according to the following dimensions:
Developer qualification: Priority should be given to local leaders such as Aldar and Bloom, with good delivery records.
Payment plan: For example, MANDARIN ORIENTIAL Residences offers 65/35 installment payments to reduce financial pressure.
Supporting facilities: Pay attention to swimming pools, gyms, security, etc., which directly affect rental income.
Step 3: Sign the contract - fully avoid legal risks
1. Contract review
Key terms: Delivery time, breach of contract liability, and payment milestones need to be clearly defined. For example, if the developer delays delivery, they need to pay a daily penalty.
Additional agreements: such as high-end decoration standards and furniture packages need to be included in the contract to avoid mismatched goods.
UHP service: A team of cooperating lawyers provides free contract review, and once discovered that a developer attempted to hide the clause that "public area maintenance fees increase by 10% annually" to recover potential losses for clients.
2. Pay a deposit
Usually 10% of the house price needs to be transferred to the developer's regulatory account through bank transfer to ensure fund security.
Step 4: Loan and Transfer - Dual Financial and Legal Protection
1. Loan application
. Requirements: Passport, visa, and proof of salary (or bank statement) must be provided.
.Credit limit: Local banks can lend up to 50% with an interest rate of approximately 3.94%.
UHP partner banks: Abu Dhabi Commercial Bank (ADCB), UAE NBD, providing fast approval channels.
2. Transfer and deliver the property
Property registration: Completed through the Abu Dhabi Real Estate Centre (Dari), a 4% land registration fee is required.
House acceptance: Inspect water, electricity, air conditioning, walls, etc. UHP provides professional house inspection services.
Step 5: Post management - worry free rental and sales, profit from lying down
1. Lease and custody
UHP service: providing one-stop management from tenant screening to rent collection. For example, owners of MAMSHA GARDENS can enjoy an average net rental return of 8% per year.
Legal compliance: Assist in handling Ejari lease contracts to ensure compliance with UAE rental laws.
2. Asset appreciation
UHP Report: Quarterly release of Abu Dhabi Property White Paper, predicting regional price increases. For example, Saadiyat Island is expected to see a further 30% increase in housing prices over the next five years due to infrastructure investment.
Buying property in Abu Dhabi is both a "must-have" for global asset allocation and a technical activity. Through UHP's professional services, investors can efficiently layout core areas such as Saadiyat Island and Yas Island, and enjoy one-stop empowerment from home selection to after-sales service. Take action now and embark on your Middle East wealth journey!