How to obtain residence visa in UAE

Obtaining citizenship in one of the world's wealthiest nations is nearly impossible. However, a UAE residency visa presents an extremely attractive alternative for many reasons. With this visa, you can access various privileges granted by the Emirati government, live in the country, and work. Here, we outline the advantages of UAE residency, the process for obtaining it, and potential challenges.

Favorable business conditions. According to a World Bank Group study, the UAE ranks 16th globally for ease of doing business. The government regularly allocates grants and subsidies to companies involved in IT, construction, and medical technologies. The Mohammed Bin Rashid Establishment for SME Development offers support to foreign entrepreneurs as well.

Access to international education. The UAE is home to 70 universities, three of which are among the best in the world. However, for foreigners, education is fee-based in both public and private universities.

Tax residency and exemption from income tax. Individuals are exempt from income tax, while legal entities have been subject to a corporate tax on profits since June 2023. For companies with an annual income exceeding $102,000 or 375,000 AED, the tax rate is 9%. Businesses registered in one of the free economic zones can optimize tax payments: entrepreneurs may be exempt from corporate tax for 15 to 50 years, VAT, and customs duties.

Mortgage opportunities. Expatriates can obtain loans for purchasing residential and commercial properties. Mortgages can be secured if the down payment is at least 20% of the total property value. The maximum mortgage loan amount is $2,700,000 or 10,000,000 AED.

Ways to obtain a residency visa  

Property purchase  

Foreign investors can qualify for UAE residency by purchasing property valued at $204,000 or more. Eligible properties include both residential and commercial real estate in Dubai or Abu Dhabi. Foreigners can buy ready-made or off-plan properties from accredited developers and can even secure a mortgage. Residency visas are available as follows:

• 2-year visa for property purchases starting at $204,000. 
• 10-year visa for property purchases starting at $544,500.

Foreign citizens over 18 can obtain a student visa to study at colleges and universities in the UAE, provided the institution is accredited. This visa is valid for one year and must be renewed annually. However, students who excel academically may qualify for a long-term residency visa of 5 to 10 years. A significant advantage is that applicants are not required to know Arabic; a verified proficiency in English is sufficient for admission.

Employment  

Expatriates who secure employment contracts with UAE-based companies can apply for a residency visa. According to UAE law, the employer covers all costs associated with obtaining the work permit and visa for the new employee. The visa duration matches the term of the employment contract, typically issued for one year.

Foreign workers must undergo a medical examination and purchase health insurance within two months of arriving in the UAE. Additionally, they must verify their educational qualifications by submitting an application through the UAE Ministry of Education’s website.

To work legally as a freelancer in the UAE, individuals must obtain a license from one of the country's free economic zones. The process includes:

1. Choosing a free economic zone. Each zone supports specific types of activities. For instance, programmers and developers can apply in Dubai Internet City, while creative professionals like graphic designers and photographers might choose Dubai Media City.
2. Applying for a license. Applications can be submitted through the free zone's website. 
3. Paying the license fee. The cost varies depending on the type of activity and the freelancer’s age. In Ajman Free Zone, the minimum annual license fee is $1,630, with a lower rate of $1,360 for foreigners aged 20 to 30.

It is important to note that a visa may be annulled if the holder resides outside the UAE for more than six months.

Required documents  

The set of documents required varies based on the grounds for obtaining a UAE residency visa. The standard set of documents includes:

• Passport. Valid for at least six months. 
• Health insurance. Coverage must include COVID-19. 
• Criminal record certificate. With an apostille.
• Proof of income. At least $3,500. For employees, a company-issued certificate is sufficient. Additionally, a bank statement showing income and expenses for the last three months is needed. Entrepreneurs must provide proof that their business has been operational for more than a year, along with a bank statement. 
• Government fee payment. Must be paid and a medical examination completed. 
• Photo. On a white background.

All documents must be translated and notarized. It is advisable to use verified services to avoid the risk of rejection.

Additional documents are required to confirm the basis for obtaining UAE residency:

• Employment contract.
• Company financial reports or other investment proof.
• University certificate.
• Proof of academic degree and education. 
• Property ownership documents. 
• Bank statements confirming income.

Steps to become a UAE resident  

Application submission  

Submit your application on the AMER website or through the General Directorate of Residency and Foreigners Affairs website.

Document submission and decision  

After application submission, you will receive an email with a list of required documents.

Payment of temporary visa fee  

The fee amount depends on the visa type and its validity period.

Medical examination  

Undergo a medical test at a certified UAE center, including blood tests for infections, e.g., HIV and a chest X-ray.

Biometrics  

Provide fingerprints at a government typing center, take a photograph, and submit your original passport.

Emirates ID issuance  

Within 5-7 working days after the final step, you will receive your residency ID card and can begin the process for family visas.

Potential issues and challenges  

Rejection is possible if documents are incomplete or investment amounts do not meet the threshold.

Validity of investor residency visa is valid as long as the property remains in the investor's possession. Selling the property results in the loss of residency.

Conclusion  

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