干货！在阿布扎比购买房产全流程，一篇读懂！

大风吹1

在阿布扎比购买房产，对于全球投资者而言，既是资产配置的“安全港”，也是财富增值的“新引擎”。然而，跨国购房涉及政策、法律、金融等多重环节，稍有不慎便可能踩坑。本文将系统梳理在阿布扎比购买房产的全流程，从前期准备到后期交房，手把手教你避开陷阱，轻松开启中东投资之旅。同时，软性揭秘UHP的独家资源与服务，助你高效布局。

　　

　　第一步：前期准备——明确资格与预算

　　1. 购房资格

　　阿布扎比对外籍人士购房无限制，但需注意区域差异：

　　自由区：如亚斯岛、萨迪亚特岛，外籍人士可拥有房产永久产权。

　　非自由区：需通过阿联酋公民或公司代持，但租赁权通常为99年。

　　UHP提示：通过我们合作的专业律师，可快速确认目标房产的产权类型。

　　2. 预算规划

　　阿布扎比购房成本包括：

　　房价：核心区域公寓均价约2万迪拉姆/㎡，别墅均价4万迪拉姆/㎡。

　　税费：无房产税、增值税，但需支付4%土地注册费。

　　其他费用：律师费（约1%）、中介费（2%）、物业费（约20迪拉姆/㎡/月）。

　　UHP服务：提供免费预算模板，整合房价、税费、租金收益等数据，一键生成投资回报预测。

　　第二步：选房看房——锁定目标区域与项目

　　1. 区域选择

　　萨迪亚特岛：文化地标集群（卢浮宫、古根海姆博物馆），高端住宅年均涨幅12%。

　　亚斯岛：F1赛道、主题公园驱动，公寓出租率超90%。

　　瑞姆岛：新兴商务区，公寓均价低于萨迪亚特岛20%，适合长期持有。

　　UHP推荐：独家代理NOBU RESIDENCES（Nobu住宅），2026年开业后将成为中东首个Nobu酒店式公寓，预计租金回报率超7%。

　　2. 项目筛选

　　通过阿布扎比房产网或UHP平台，可按以下维度筛选：

　　开发商资质：优先选择Aldar、Bloom等本土龙头，交付记录良好。

　　付款计划：如MANDARIN ORIENTAL RESIDENCES（文华东方住宅）提供65/35分期付款，降低资金压力。

　　配套设施：关注泳池、健身房、安保等，直接影响租金收益。

　　第三步：签订合同——法律风险全规避

　　1. 合同审核

　　关键条款：交房时间、违约责任、付款节点需明确。例如，若开发商延期交付，需按日支付违约金。

　　附加协议：如精装标准、家具包需写入合同，避免货不对板。

　　UHP服务：合作律师团队提供免费合同审查，曾发现某开发商试图隐藏“公共区域维护费每年上涨10%”的条款，为客户挽回潜在损失。

　　2. 支付定金

　　通常为房价的10%，需通过银行转账至开发商监管账户，确保资金安全。

　　第四步：贷款与过户——金融与法律双保障

　　1. 贷款申请

　　条件：需提供护照、签证、工资证明（或银行流水）。

　　额度：本地银行最高可贷50%，利率约3.94%。

　　UHP合作银行：阿布扎比商业银行（ADCB）、阿联酋NBD，提供快速审批通道。

　　2. 过户交房

　　产权登记：通过阿布扎比房地产中心（Dari）完成，需缴纳4%土地注册费。

　　房屋验收：检查水电、空调、墙面等，UHP提供专业验房师服务。

　　第五步：后期管理——租售无忧，躺赚收益

　　1. 租赁托管

　　UHP服务：从租客筛选到租金代收，提供一站式管理。例如，MAMSHA GARDENS（玛姆沙花园）业主可享年均8%净租金回报。

　　法律合规：协助办理Ejari租赁合同，确保符合阿联酋租房法。

　　2. 资产增值

　　UHP报告：每季度发布《阿布扎比房产白皮书》，预测区域涨幅。例如，萨迪亚特岛因基建投入，预计未来五年房价再涨30%。

　　在阿布扎比购买房产，既是全球资产配置的“必选项”，也是技术活。通过UHP的专业服务，投资者可高效布局萨迪亚特岛、亚斯岛等核心区域，享受从选房到售后的一站式赋能。此刻行动，开启你的中东财富之旅！

　　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!