The UAE has become one of the most attractive destinations for investors, entrepreneurs, and skilled professionals worldwide. One of the reasons for this growing appeal is the UAE’s Golden Visa program — a long-term residency permit designed to attract foreign talent and capital by offering extended stay privileges.
If you are considering investing in the UAE and want to understand how much you need to invest to qualify for the Golden Visa, this comprehensive guide will walk you through all the details.
What is the UAE Golden Visa?
The UAE Golden Visa is a long-term residency visa introduced in 2019. It allows foreign nationals to live in the country for up to 10 years with the option to renew. It’s designed to attract investors, entrepreneurs, scientists, outstanding students, and highly skilled professionals.
With the Golden Visa, holders enjoy benefits such as:
- No need for a local sponsor.
- 100% ownership of their businesses.
- Sponsorship of family members (spouse, children, and even domestic helpers).
- Long-term security and a stable environment for living and business.
Types of Golden Visa Investment Categories – Which One Is Right For You?
The Golden Visa eligibility is divided into several categories. For investors, the main focus is on real estate investment, business investment, and public investment. Each category has specific financial requirements.
1. Real Estate Investment for Golden Visa:
One of the most popular and straightforward ways to qualify is through real estate investment. The UAE government allows foreign investors to obtain a 10-year Golden Visa by purchasing property under certain conditions:
- Minimum investment amount: AED 2 million (approximately USD 545,000)
- Type of property: Residential or commercial property located in the UAE
- Payment terms: Property must be fully paid off or at least 50% paid if mortgaged
- Additional notes: The property should not be under any mortgage lien or loan, or if mortgaged, the payment conditions must be met.
Investing AED 2 million in real estate demonstrates your commitment to the country and supports the property market, which has been growing steadily in cities like Dubai and Abu Dhabi. This investment amount opens the door to a 10-year residency permit for you and your family.
2. Business or Entrepreneur Investment:
Entrepreneurs and business owners can also qualify for the Golden Visa by investing in or owning a company in the UAE. This option suits those who want to establish or expand their business presence in the region.
The key criteria here include:
- Minimum investment: Generally AED 500,000 to AED 2 million depending on the business size and sector
- Business type: Must be a registered company in the UAE, often in the free zones or mainland
- Revenue or capital: The business should generate at least AED 1 million in annual revenue, or have a capital of AED 500,000 to AED 2 million depending on the specifics
- Additional criteria: Must have a valid trade license and demonstrate business viability
Investing in a business under these terms can qualify you for a 10-year visa, enabling you to manage and grow your company while living in the UAE.
3. Public Investment or Government-Approved Funds:
Another way to secure a Golden Visa is through public investments or approved investment funds in the UAE. This option is for those who prefer to invest in government-backed projects or approved funds.
- Minimum investment: AED 2 million
- Investment form: Can be in government bonds, public investment funds, or shares in UAE-based companies
- Conditions: Investment must be maintained for at least 3 years
- Additional notes: Investment funds must be approved by UAE authorities
This pathway allows investors to contribute directly to the UAE’s economic development while gaining long-term residency rights.
Smooth Transition Into The Application Process:
Now that you understand how much you need to invest, let’s talk about the next steps. Once you choose the right investment route, the application process is relatively straightforward but involves multiple stages.
These include document submission, background checks, and in some cases, approval from specific authorities such as the Federal Authority for Identity, Citizenship, Customs and Port Security (ICP).
Additional Costs You Should Know:
Beyond the AED 2 million investment, there are other costs to factor in:
| Fee Type | Approximate Cost (AED) |
| Application fee | 2,800–4,000 |
| Medical exam | 700–1,000 |
| Emirates ID | 500–1,000 |
| Legal/Consultant fees | Varies (optional) |
So while the core investment is around AED 2 million, expect to budget another AED 5,000–10,000 for processing and logistics.
Other Routes To The Uae Golden Visa (Non-Investment):
Besides the investment routes, the UAE Golden Visa program offers visas for:
- Highly skilled professionals: Doctors, engineers, IT specialists, and other experts
- Scientists and researchers: Those with significant contributions in their fields
- Creative talents: Artists, musicians, authors, and cultural innovators
- Outstanding students: With exceptional academic records
These categories do not require investment but instead focus on your qualifications and contributions to the UAE society and economy.
Why Is The Golden Visa Worth The Investment?
When evaluating the cost of entry, it’s important to consider what you’re gaining in return. The UAE offers a politically stable, tax-friendly, and high-growth environment. With world-class infrastructure, an international lifestyle, and robust healthcare and education systems, it’s no surprise the Golden Visa is appealing.
Moreover, the UAE is strategically located as a global hub between Asia, Europe, and Africa, making it perfect for business expansion.
Frequently Asked Questions:
1. Can I get a Golden Visa if I mortgage the property?
Yes, but at least 50% of the property value should be paid before applying. Keep in mind that the property must be free of any legal disputes and properly registered to qualify.
2. Can family members be included?
Yes. Spouses, children, and even domestic workers can be sponsored under your Golden Visa. This makes it easier to secure long-term residency for your entire family and dependents.
3. How long does the process take?
Typically 30 to 60 days, depending on the documentation and investment route. Having all your paperwork ready and accurate can help speed up the approval process.
4. Can I invest in off-plan properties?
Yes, if the value is AED 2 million or more and from a recognized developer. Be sure to verify the developer’s credibility and payment terms before making the purchase.
5. Is the Golden Visa renewed automatically?
Yes, as long as you maintain the qualifying investment. It’s important to keep your investment valid and updated to avoid any renewal issues.
6. Do I need to live in the UAE full time?
No, but you should not stay outside the UAE for more than 6 months at a time to keep the visa valid. Maintaining some physical presence helps demonstrate your commitment to residing in the country.
Final Thoughts:
The amount you need to invest in the UAE for a Golden Visa starts from AED 500,000 and goes up to AED 2 million, depending on the pathway you choose. Whether you’re inclined toward real estate, business, or a simple bank deposit, the UAE offers multiple options tailored to different investor profiles.
Before taking the leap, consult with licensed immigration consultants or legal experts in the UAE to make sure you meet all the requirements and get your documentation in order.
The UAE Golden Visa is more than just a residency permit—it’s a gateway to security, opportunity, and a world of possibilities.
