Dubai Launches First Home Scheme with Easy Loans Big Discounts

Dubai, July 3, 2025 — In a major step to support homeownership, the Dubai Land Department (DLD) has officially launched the ‘First Property Ownership’ programme for UAE citizens and residents. The initiative, announced on Wednesday, is designed to make owning a home in Dubai easier and more affordable. This new government-backed scheme is in collaboration with several banks and real estate development companies operating in the local market.

The main goal of the programme is clear — to support over 5,000 residents and citizens in becoming first-time property owners by the end of 2025. With growing demand for housing and rising property prices in Dubai, this initiative comes at a crucial time.

Key Features and Benefits

• The programme offers a wide range of financial benefits to encourage first-time buyers. Eligible applicants can receive:
• Real estate financing with terms of up to 18 years
• The option to pay the 4% DLD registration fee in instalments
• Access to special discounts on property prices — up to 10% lower than market value
• Interest-free credit card options for fee payment
• Priority access to new residential projects and pre-launch units

According to DLD, both ready-to-move-in and off-plan properties are included in the programme, giving buyers more flexibility when choosing a home.

Who Can Apply?

• The programme is open to both UAE citizens and residents, but with specific conditions:
• The applicant must not currently own any freehold residential property in Dubai
• They must be at least 18 years old
• The property they intend to buy must be valued at Dhs5 million or less
• Each person can only use the scheme once

The property purchased through this programme will also be exempt from rental restrictions, meaning owners can use it as a long-term investment.

A One-Time Opportunity for Long-Term Stability
Speaking on the launch, Khalid Al Shaibani, Director of the Rental Affairs Department at DLD, emphasized the scheme’s many benefits. “The programme gives buyers a real chance to own a home at a fair price with great financing support,” he said. “They’ll get early access to new residential units, lower rates from real estate developers, and flexible registration fee options.”

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In addition to financial ease, the programme aims to encourage long-term stability in Dubai’s housing market by turning renters into homeowners.

How to Apply
Applications can be submitted easily through:

• The DLD official website
• The Dubai Real Estate app
• A direct online link provided by DLD

After applying, DLD will review the eligibility of each applicant. Once approved, the names of beneficiaries will be shared with real estate developers, who can then offer them early access and exclusive deals on properties.

Supporting a Growing Real Estate Market
Dubai’s real estate market has continued to grow steadily in 2025, driven by strong demand from both local and international buyers. However, many residents still find it difficult to own a home due to high prices and limited financing options. The ‘First Property Ownership’ programme aims to bridge that gap by removing financial and procedural barriers.

Real estate experts believe this initiative will not only help thousands become homeowners but also boost market confidence and encourage responsible investing. By providing discounted properties, long-term credit, and flexible fee structures, DLD is helping to make homeownership a reality for a broader part of the population.

Dubai’s new ‘First Property Ownership’ programme is a game-changer for those dreaming of owning a home in one of the world’s fastest-growing cities. It reflects the government’s commitment to housing affordability and financial inclusion, and could inspire similar initiatives across the region.

With smart planning, strong support from banks and developers, and user-friendly digital application channels, this programme may soon become one of Dubai’s most impactful housing efforts in recent years.