Can I invest from outside the UAE?
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Yes — foreign nationals can fully own property in Dubai's designated freehold zones. Under UAE Law No. 7 of 2006 (amended by Law No. 19 of 2017), non-UAE nationals are permitted to purchase and own freehold property in over 60 designated zones across Dubai. LUBA Homes structures all investments within these legally approved freehold areas. Our fully digital onboarding accepts investors from 50+ countries across Africa, Asia, Europe, and the Americas — no UAE visa or residency required.
How is the 8–10% ROI calculated?
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ROI is calculated as net annual rental income divided by your investment amount. The Dubai Land Department (DLD) and Real Estate Regulatory Agency (RERA) publish verified rental yield data across all districts. Our 8–10% figures are based on net rental income after: property management fees (typically 5–8%), maintenance reserve, and service charges — all disclosed transparently in your investment agreement. Capital appreciation is calculated separately and not included in the quoted ROI. Past performance data is available upon request per RERA guidelines.
Is my investment legally protected?
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Yes — your ownership is registered with the Dubai Land Department and protected by UAE federal and emirate-level law. Every investment is structured through a RERA-registered Special Purpose Vehicle (SPV). Your fractional title is recorded in the DLD's official registry under UAE Law No. 7 of 2006. Additional protections include: escrow accounts governed by RERA Escrow Law No. 8 of 2007 (ensuring funds are held securely), investor rights under the UAE Commercial Companies Law (Federal Law No. 32 of 2021), and dispute resolution through the Dubai Courts or DIFC Courts. LUBA Homes holds a valid Real Estate Brokerage Licence issued by RERA.
When and how do I receive my returns?
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Returns are distributed quarterly — every 3 months — directly to your registered bank account. Under UAE tenancy law (Law No. 26 of 2007 as amended), rental income is collected from tenants either annually or in post-dated cheques. LUBA Homes converts this into quarterly investor distributions. All distributions are processed in AED with optional conversion to your local currency. You receive a full financial statement per distribution cycle, as required by UAE accounting and disclosure standards. UAE law imposes zero tax on rental income for foreign investors.
What is the minimum investment amount?
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The minimum investment is 500 AED (approximately USD 136). This is made possible through fractional ownership — a model fully permitted under the UAE's investment framework and increasingly supported by the Dubai Virtual Assets Regulatory Authority (VARA) for tokenised real estate. There is no maximum investment limit. You may invest across multiple properties simultaneously. Note: UAE regulations do not impose a minimum net-worth requirement for foreign real estate investors, making Dubai one of the world's most accessible premium markets.
How do I exit my investment?
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You have three exit options, all legally enforceable under UAE law. (1) Secondary Marketplace: Sell your shares to another investor through LUBA Homes' platform — transfer of fractional title is registered with the DLD. (2) Term Exit: At the end of the agreed investment period (typically 3–5 years), the property may be sold at market value and proceeds distributed pro-rata. (3) Buyback Option: Subject to availability, LUBA Homes may offer a buyback at agreed valuation. All exits follow DLD transfer procedures and UAE Property Law No. 7 of 2006.
Are there any taxes on my investment returns?
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The UAE levies zero income tax, zero capital gains tax, and zero inheritance tax on property investments. Under UAE Federal Decree-Law No. 47 of 2022 on Corporate Tax, rental income from residential properties held by individuals remains exempt. The only applicable levy is a one-time 4% Dubai Land Department (DLD) transfer fee paid at purchase — which LUBA Homes handles on your behalf. Note: investors should consult a tax advisor in their country of residence, as some jurisdictions tax worldwide income.
What happens if a tenant doesn't pay rent?
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Dubai's Rental Dispute Settlement Centre (RDSC) provides fast legal recourse — typically resolving cases within 30 days. Under UAE Tenancy Law No. 26 of 2007, landlords have strong legal rights including eviction orders and cheque-bouncing penalties. LUBA Homes holds a maintenance reserve fund and rental guarantee buffer to ensure your quarterly distributions are not interrupted in the event of short-term tenant defaults. All tenants are EJARI-registered, adding an official layer of accountability.
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✅ RERA Regulated
✅ DLD Registered
✅ Zero Tax
✅ 500 AED Min
Do I need to visit Dubai to invest?
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No — the entire process is 100% remote and digital. Under the UAE's Digital Transformation Strategy, remote KYC (Know Your Customer) verification, e-signatures and digital contract execution are fully legally valid. LUBA Homes uses UAE-approved digital identity verification and e-signature platforms. DLD title deed registration can be completed remotely through our licensed agents. You will never need to travel to Dubai to invest, manage, or exit your investment.
What documents do I need to invest?
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Just three documents are required, as per UAE AML/KYC regulations. (1) Valid passport copy, (2) Proof of address (utility bill or bank statement, less than 3 months old), (3) Source of funds declaration — required under UAE Federal Law No. 20 of 2018 on Anti-Money Laundering. No credit check, no income proof, and no minimum net-worth threshold is required for individual investors. All documents are submitted digitally through our secure platform.
Can I get a UAE Golden Visa through investing?
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Yes — property investors who reach AED 2 million in total real estate value are eligible for the UAE 10-Year Golden Visa. Under UAE Cabinet Resolution No. 65 of 2020 (amended 2022), a property investment of AED 2 million or more — whether in a single property or portfolio — qualifies for a 10-year renewable UAE residency visa. LUBA Homes can help you plan a portfolio that reaches this threshold and assist with the Golden Visa application process through our licensed visa partners.
How are disputes handled?
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All disputes are governed by UAE law with access to Dubai Courts, DIFC Courts, or arbitration. Your investment agreement specifies the chosen jurisdiction. The Dubai International Arbitration Centre (DIAC) and DIFC-LCIA Arbitration Centre offer internationally recognised English-language proceedings. For investors preferring common law, the DIFC Courts operate under an English common law framework and can enforce judgements in 100+ countries. LUBA Homes is committed to transparent dispute resolution and full regulatory compliance.
