Expert Guides
Everything Dutch residents need to know about purchasing real estate in Spain and Dubai. From mortgage structures and tax obligations to the step-by-step buying process.
Mediterranean living with EU advantages and a thriving Dutch expat community.
Avg. price range
EUR 150K - 3M+
Rental yield
4 - 7%
Buying costs
10 - 15%
Tax-free ownership, iconic skylines, and some of the highest rental yields globally.
Avg. price range
AED 500K - 20M+
Rental yield
5 - 9%
Buying costs
7 - 8%
At a Glance
A quick overview of the key differences between both markets for international buyers.
| Criteria | 🇪🇸 Spain | 🇦🇪 Dubai |
|---|---|---|
| Max LTV (non-resident) | 70% | 65% |
| Transfer tax | 6 - 10% (ITP, varies by region) | 4% (DLD fee) |
| Total buying costs | 10 - 15% | 7 - 8% |
| Rental yield (avg.) | 4 - 7% | 5 - 9% |
| Annual property tax | 0.4 - 1.1% (IBI) | None |
| Income tax on rental | 19% (EU) / 24% (non-EU) | 0% |
| Golden Visa threshold | EUR 500,000 | AED 2,000,000 |
| Climate | Mediterranean, 300+ sun days | Desert, 350+ sun days |
Use our mortgage pre-check calculator to compare what you can afford in each market, or speak with one of our advisors.