From account to fraction, in six steps.

The steps from opening an account to holding a fraction of a Dubai property: eligibility, identity checks, funding, choosing, and what you receive afterwards.

1. Check you are eligible

Each platform states who may open an account. Under the Land Department's programme, Phase 2 requires UAE residency and an Emirates ID. DFSA-licensed platforms state their own residency and nationality rules on their eligibility pages.

2. Open the account and pass the identity check

You will be asked for identity documents and, on financial-regulated platforms, for information about your income and experience. This is the regulator's requirement, not the platform's whim.

3. Fund it

Platforms accept bank transfer in AED; some accept cards. Ask where money you send is held before you use it, and under which rules.

4. Choose a property and a ticket

Read the property page as you would read a listing: location, building, age, tenancy, and the valuation the platform relied on. Then decide the ticket, starting at the platform's minimum.

5. Confirm and receive your record

On a tokenised platform you receive a property token ownership certificate. On a crowdfunding platform you receive confirmation of your share in the holding vehicle. Keep both.

6. Know the way out before you need it

Read the exit route now, while you are calm. The guide on risks and liquidity says what to ask.

Questions people ask

Does buying a fraction qualify me for a residence visa?

Visa rules are the government's and are set by the value and type of property you own outright. Do not assume a fraction counts; check the current rules with the issuing authority.

Sources

All fractions guides