Interested in getting your first house in Dubai? Fortune favours you. In 2025, the program is simplifying the process of buying a house (Dubai First-Time Home Buyer Program) to such an extent that it becomes more accessible than ever before. Targeted at the residents of the UAE, whose first steps into ownership are being taken, this program will provide unique access and cash bonuses, as well as simplify the registration process, so it is the ideal way to make this move.
This Dubai First-Time Home Buyer Program guide provides all the information about benefits, eligibility, registration process, the list of participating banks and developers, regardless of whether you are an expat or an Emirati.
What is the Dubai First Time Home Buyers Program?
First-Time Home Buyer Program is an initiative funded by the government and designed by two departments (the Department of Economy and Tourism and the Dubai Land Department (DLD)). Targeted the people who have never owned a home, the program has a special offer to the next 5,000 eligible people who want to get their first home in Dubai.
In collaboration with 13 key developers and 5 of the major banks, the Dubai First-Time Home Buyer Program offers incomparable benefits in 2025. Let us deconstruct them.
The advantage of the First Home Buyer Program – Dubai
This is what you will benefit from registering under the First-Time Home Buyer Program in Dubai:
- Priority access to off-plan units from top developers
- Discounted prices on select projects
- Flexible payment plans and longer tenures
- 0% interest installment plans for DLD registration fees
- Improved mortgage access with reduced interest rates
- Faster processing and eligibility for residency programs
- Direct outreach from developers during new launches
All these incentives render the Dubai First-Time Home Buyer Program a strategic financial move among first-time users in the market.
Who Qualifies for this Dubai First-time Home Buyer Program?
To be able to receive the First-Time Home Buyer Program in Dubai, you must fit the following criteria:
- Have residence in the UAE (emirati or expat)
- Be aged 18 years or older
- None of owning other freehold property in Dubai
- Buy a house for less than AED 5 million
- Plan to occupy or lease the house or building; do not use it as a means of resale of the house.
Provided that you check these boxes, you can safely proceed with the process of registering for the Dubai First-Time Home Buyer Program.
How to Register for the First-Time Home Buyer Program in Dubai
Here’s a step-by-step guide to the Dubai First-Time Home Buyer Program registration process:
- Visit the official DLD portal and go to the FTHB program section.
- Use your UAE Pass or provide your Emirates ID and passport number.
- Complete the online form and submit it.
- If approved, you’ll receive a QR code to share with participating developers and agents.
- Use the code during property bookings to access exclusive benefits.
This fast and secure process ensures that your journey to becoming a homeowner in Dubai is both efficient and rewarding.
Participating Developers and Banks in the Dubai FTHB Program
Top names in the industry have aligned with the Dubai First-Time Home Buyer Program, including:
Developers:
- EMAAR
- DAMAC
- Nakheel
- Ellington Properties
- Binghatti
- Dubai Properties
- Danube
- Wasl
- Majid Al Futtaim
Banks:
- Emirates NBD
- Emirates Islamic
- Dubai Islamic Bank (DIB)
- Commercial Bank of Dubai
- Mashreq
Each developer offers exclusive inventory for program participants, while the banks provide attractive interest rates and low processing fees for new buyers.
Mistakes to Avoid as a First-Time Buyer in Dubai
Look at these common pitfalls even with the First-Time Home Buyer Program in Dubai:
- Not researching the true market price of properties
- Ignoring mortgage pre-approval
- Choosing a property without visiting the location
- Not checking the developer’s track record
- Skipping inspection of unit details and payment schedules
This Louis Loizou Dubai first-time home buyer program guide provides you with all the advantages of this program and the right approach to utilize it so that you can realize your homeowner dreams.
Is the Dubai First-Time Home Buyer Program a Good Idea?
Absolutely. The Dubai First-Time Home Buyer Program provides you with all you could want or expect: cheaper prices, lower fees, simpler financing, and express-lane access to brand-new homes. Since the real estate business in Dubai is doing so well, now is the right time to own your first property in Dubai with long-term capital appreciation, rental income, or lifestyle.
The Dubai First-Time Home Buyer Program will make house ownership a real possibility, regardless of where you would like to reside, either in the JVC, Downtown Dubai, Arabian Ranches, or Dubai Marina.
Final Thoughts
Among the key real estate projects of the year 2025 is the First-Time Home Buyer Program. This program puts new customers up to win, thanks to special incentives, readily available funds, and the best properties.
Then are you going to purchase your first property in Dubai? Register now and open up the full potential of the Dubai First-Time Home Buyer Program, your ticket to possessing a top-end property in a highly dynamic city in the world.
