Are you and your spouse considering buying a property together in Dubai and wondering, “Can my spouse and I jointly buy a 2M AED property to get a Golden Visa?” You are not alone. This is a crucial question for couples aiming to secure the long-term benefits of UAE residency through real estate investment. In this article, we provide a detailed, investor-focused breakdown to help you understand the exact legal requirements and practical steps when applying for a UAE Golden Visa as joint property owners.
Understanding the UAE Golden Visa for Property Investors
The UAE Golden Visa is a long-term residency program that offers foreign investors, including property buyers, the opportunity to live, work, and study in the UAE without the need for a local sponsor. For real estate investors, the Golden Visa most commonly comes in the form of a 10-year residency, available to those who invest in properties valued at AED 2 million or more. Dubai continues to lead the region in property-backed Golden Visas, attracting investors seeking stable returns and world-class amenities in neighbourhoods like Jumeirah Village Circle, Business Bay, and Dubai Marina.
For many, this visa is a pathway to long-term security and access to premier services within the UAE. However, the rules around the AED 2 million threshold and joint ownership, particularly among married couples, can be nuanced — and getting these details right is critical.
Can a Married Couple Jointly Own Property to Qualify for a Golden Visa?
The short answer is yes, married couples can jointly purchase a property in Dubai for AED 2 million and still apply for a Golden Visa. However, certain eligibility conditions must be met regarding ownership, documentation, and the distribution of shares between spouses.
It is important to note that the combined property value must be at least AED 2 million. This means that together, your shares (as recognized on the Title Deed) must meet or exceed this minimum. The property can be either off-plan (from a recognized developer), ready, or under mortgage, provided the minimum equity is demonstrated.
Example: Joint Ownership Scenario
Consider a married couple jointly purchasing a single apartment in Jumeirah Village Circle, with both names on the Title Deed, and the total purchase price is AED 2 million. Provided you supply an attested marriage certificate and meet all the standard property documentation requirements, both you and your spouse may become eligible under the joint investment clause.
Navigating the AED 2 Million Threshold for Joint Property Ownership
The AED 2 million threshold is a hard minimum for Golden Visa property investment eligibility. Whether you buy as an individual or as joint owners, the property value considered is the total value as per the Title Deed, not just your individual share. For joint ownership, the authorities will accept the combined value if the spouses are legally married and can submit an official, attested marriage certificate.
Keep in mind that each spouse’s eligibility may depend on their inclusion in the application and whether the required documents are provided. Both partners listed on the Title Deed, presenting a legal marriage certificate, can apply together for the 10-year residency visa, provided all other Golden Visa conditions are met.
Who Gets the Golden Visa When Property is Jointly Owned?
When a married couple jointly owns a property meeting the AED 2 million threshold, both spouses are potentially eligible for the Golden Visa, provided they apply together and present the necessary documentation. However, if a property is held as joint ownership with non-spouses (such as siblings or business partners), only the individual whose share equals or exceeds AED 2 million may be eligible.
The emphasis is on spousal joint ownership; the UAE authorities recognize this arrangement as a single investment, allowing both parties to benefit. Still, clear paperwork, particularly an attested marriage certificate, is non-negotiable for this route.
Key Requirements and Documentation for Spouses Applying Together
For married couples aiming to secure the UAE Golden Visa via joint property ownership, ensure the following:
- Combined Title Deed value is at least AED 2 million.
- Both spouses’ names appear on the Title Deed.
- Attested marriage certificate (translated into Arabic if not originally so).
- Proof of property payment (including mortgage details if applicable).
- Valid passports and Emirates IDs.
- Application forms and passport-size photographs as stipulated by the Dubai Land Department and GDRFA.
Missed documentation or unclear title division may lead to delays or rejection, so working with an experienced developer familiar with Golden Visa processes, like Danube Properties, is highly recommended.
Maximizing Your Golden Visa Chances with Danube Properties
Working with a reputable Dubai developer can streamline your application and maximize your chances of securing a Golden Visa. Danube Properties offers a portfolio of developments well-suited to Golden Visa investment, with expert guidance on documentation, payment plans, and liaison with authorities. Past investors have benefited from clear routes to eligibility, predictable payment structures, and properties in desirable neighbourhoods, often situated near key metro lines and lifestyle amenities.
For couples targeting residency and capital growth potential in Dubai, these developments offer a reliable path to both goals.
Frequently Asked Questions About Joint Property Ownership and Golden Visas
Does each spouse need to invest AED 2 million individually?
No — the AED 2 million requirement is based on the total property value. Married couples can pool their investment, provided the total reaches AED 2 million and both are on the Title Deed.
Can mortgaged properties qualify?
Yes, as long as the paid-up equity (not the loan amount) in the property is at least AED 2 million.
What if we’re not married?
Non-spouses may face stricter rules; in most cases, only the individual with a minimum AED 2 million share qualifies.
Is the Golden Visa renewable?
Yes, provided the qualifying conditions continue to be met when applying for renewal.
Conclusion
In summary, married couples can indeed jointly buy a property for AED 2 million in Dubai and become eligible for the UAE Golden Visa, provided all ownership and documentation requirements are satisfied. For the most seamless process and investment reliability, connect with Danube Properties to learn more about qualifying developments and personalized support.
