SEFA.

Udhëzues Investimi

Udhëzues i Plotë për
Investime në Dubai

Gjithçka që duhet të dini për të investuar me sukses në tregun e pasurive të paluajtshme në Dubai.

1

Hyrje – Pse Dubai është vendi më i mirë për të investuar?

Dubai është një nga destinacionet më të njohura për investime në pasuri të paluajtshme në botë. Jo vetëm që ofron pa tatime mbi të ardhurat nga qiraja dhe fitimi kapital, por ka gjithashtu një treg stabil, rritje të shpejtë të vlerës së pronave dhe kërkesë të lartë për qira.

  • Tatime Zero mbi qiranë dhe mbi shitjen e pronës
  • Qiratë paguhen një vit paraprakisht, pa vonesa nga qiramarrësit
  • Tregu i rregulluar nga qeveria, duke garantuar siguri maksimale
  • Rritja e vlerës mesatarisht 10-15% në vit
  • Mundësi për vizë rezidente përmes investimit
2

Pse të investosh me mua?

  • Punoj në një nga Top 3 agjencitë më të mëdha në Dubai, me mbi 400 bashkëpunëtorë
  • Ekskluzivisht për shqiptarët! E kuptoj mentalitetin dhe kërkesat e komunitetit tonë
  • I lindur në Gjermani, kam studiuar ekonomi, flas rrjedhshëm shqip, gjermanisht dhe anglisht
  • Vetë investitor me prona në Gjermani, Kosovë dhe Dubai
3

Kush mund të investojë në Dubai?

Çdo person nga çdo shtet i botës ka të drejtë të blejë prona në Dubai. Prona blihet në zonat Freehold – pronësi e përhershme pa afat kohor.

Vizat e Rezidencës për Investitorët

2 Vjet
mbi 190.000€
10 Vjet
Golden Visa 500.000€+
4

Siguria – Dubai Land Department & Escrow Account

Investimet janë 100% të mbrojtura nga qeveria përmes Dubai Land Department (DLD) dhe RERA.

Çfarë është Escrow Account?

Një llogari e mbrojtur bankare ku fondet nuk mund të preken nga zhvilluesi deri në përfundimin e fazave të ndërtimit. Nëse projekti nuk përfundon, investitori ka të drejtë për rimbursim.

5

Rreziqet dhe Si Minimizohen

📊
Luhatjet e tregut: Dubai ka pasur rritje të vazhdueshme afatgjatë historikisht.
🏗️
Vonesa në ndërtim: Mbrojtje përmes sistemit Escrow.
💱
Rreziku i monedhës: AED është i lidhur me USD (kurs fiks).
6

Investimi, Taksat dhe Pagesa Fillestare

180k€
Investimi Minimal
4%
DLD Tax (njëherë)
24%
Pagesë Fillestare

Shembuj për 24% pagesë fillestare:

180.000€→ 43.200€
250.000€→ 60.000€
500.000€→ 120.000€
7

Rendiment Vjetor – 8% ± Net (pa tatim)

Të ardhurat nga qiraja janë pa asnjë tatim në Dubai. Qiratë paguhen një herë në vit paraprakisht.

180k€
≈14.400€/vit
250k€
≈20.000€/vit
500k€
≈40.000€/vit
8

Çmimet e Apartamenteve në Dubai

🏠
Studio
180k€+
🏠
1 Dhomë
240k€+
🏠
2 Dhoma
450k€+
🏠
3 Dhoma
750k€+
9

Shembull Investimi të Suksesshëm

Apartament në JVC për 180.000€, 12 muaj pas përfundimit.

Rritja e Vlerës
+40.000€
Qiraja
+14.400€
Fitimi Total
54.400€

100% pa tatim

10

Opsionet e Pagesës

On-Handover

Pagesat kryesore bëhen para ose në momentin e dorëzimit.

Post-Handover

Një pjesë gjatë ndërtimit, pjesa tjetër pas dorëzimit.

11

Shembull Pagesash – 300.000€

Plan Fillestare Ndërtim Dorëzim
On-Handover 72.000€ 108.000€ 120.000€
Post-Handover 72.000€ 123.000€ 105.000€*

*Pas dorëzimit

12

Ekskluziviteti dhe EOI

Disa projekte nuk janë të disponueshme për të gjithë – shiten vetëm për investitorë të zgjedhur. Ne kemi qasje në të gjitha projektet më të mira.

EOI (Expression of Interest)

Pagesë e rimbursueshme (50.000€ – 125.000€) për të rezervuar një njësi përpara lançimit. Nëse nuk bleni, paratë kthehen të plota.

13

Zonat për Investim – A vs. B

A Areas – nga 450.000€

Downtown, Dubai Islands, Business Bay, Dubai Hills, Sobha Hartland II

Rritje më e shpejtë e vlerës

B Areas – nga 180.000€

JVC, JVT, Dubai Land, Production City

Më të qëndrueshme për qira afatgjata

14

Prona pranë Detit

Plazhi në Dubai është i kufizuar – investim i zgjuar! Prona pranë detit ka përfitim më të lartë nga Airbnb. Me mbi 500.000€ mund të blini apartamente në bregdet ose vila.

15

Investimi në Vila

Vilat – trendi i ri i investimeve në Dubai!

  • Nga 600.000€ në Damac Hills, Arabian Ranches, The Valley
  • Rritje më e shpejtë – toka është e kufizuar
  • Hapësirë e gjelbër, privatësi dhe qetësi
16

Dubai vs. Evropa

Dubai Evropa
Tatim mbi Qiranë 0% 20-45%
Rritja e Vlerës 10-15%/vit 3-5%/vit
Capital Gains Tax 0% deri 30%
Pagesa e Qirasë 1 vit para Mujore
17

Pyetje të Shpeshta (FAQ)

A mund të blej si shqiptar nga diaspora?
Po, çdo person nga çdo shtet ka të drejtë të blejë prona në Dubai.
Çfarë dokumentesh duhen?
Pasaportë e vlefshme, adresa, numri i telefonit, E-Mail, pagesa fillestare + 4% DLD Tax.
Sa kohë zgjat procesi?
Për Off-Plan: 7–14 ditë. Për prona gati: 2–4 javë.
A duhet të jem prezent në Dubai?
Jo – gjithçka mund të bëhet në menyrë digjitale.
A mund të shes përpara ndërtimit?
Po, pas 30–40% të pagesave.
A ka tatim mbi fitimin?
Jo, Dubai nuk ka capital gains tax – fitimi është 100% i yti.
A mund të përdor Airbnb?
Po, por duhet licencë nga DTCM.
A jam pronar për gjithmonë?
Po, në zonat Freehold je pronar për gjithmonë (jo 99 vjet).
A paguaj komision kur blej Off-Plan?
Jo, për Off-Plan nuk ka komision për blerësin.
A mund të nxjerr paratë nga Dubai?
Po, fitimi mund të transferohet lirisht jashtë UAE.
18

Përfundim – Pse Tani?

Investimi në Dubai është strategji për rritje financiare, të ardhura pasive dhe siguri afatgjatë.

  • Rendiment 8%+ në vit, pa tatim
  • Qiratë paguhen 1 vit paraprakisht
  • Vizë rezidente mbi 190.000€
  • Escrow Account garanton sigurinë

Disclaimer: Shifrat bazohen në mesatare historike dhe nuk garantojnë performancën e ardhshme.

Investment Guide

Vollständiger Ratgeber für
Investitionen in Dubai

Alles, was Sie wissen müssen, um erfolgreich in den Dubai Immobilienmarkt zu investieren.

1

Einleitung – Warum ist Dubai der beste Ort zum Investieren?

Dubai ist eines der weltweit bekanntesten Ziele für Immobilieninvestitionen. Es bietet nicht nur keine Steuern auf Mieteinnahmen und Kapitalgewinne, sondern auch einen stabilen Markt, schnelles Wertwachstum und hohe Mietnachfrage.

  • Null Steuern auf Miete und Immobilienverkauf
  • Mieten werden ein Jahr im Voraus bezahlt, keine Zahlungsverzögerungen
  • Staatlich regulierter Markt mit maximaler Sicherheit
  • Durchschnittliches Wertwachstum von 10-15% pro Jahr
  • Möglichkeit eines Aufenthaltsvisums durch Investition
2

Warum mit mir investieren?

  • Ich arbeite in einer der Top 3 größten Agenturen in Dubai, mit über 400 Mitarbeitern
  • Exklusiv für die deutschsprachige Community! Ich verstehe die Mentalität und Anforderungen
  • In Deutschland geboren, Wirtschaft studiert, fließend Deutsch, Albanisch und Englisch
  • Selbst Investor mit Immobilien in Deutschland, Kosovo und Dubai
3

Wer kann in Dubai investieren?

Jede Person aus jedem Land der Welt hat das Recht, Immobilien in Dubai zu kaufen. Immobilien werden in Freehold-Zonen gekauft – dauerhaftes Eigentum ohne zeitliche Begrenzung.

Aufenthaltsvisa für Investoren

2 Jahre
ab 190.000€
10 Jahre
Golden Visa 500.000€+
4

Sicherheit – Dubai Land Department & Escrow Account

Investitionen sind zu 100% durch die Regierung über das Dubai Land Department (DLD) und RERA geschützt.

Was ist ein Escrow Account?

Ein geschütztes Bankkonto, bei dem Gelder vom Entwickler nicht vor Abschluss der Bauphasen angerührt werden können. Falls das Projekt nicht fertiggestellt wird, hat der Investor Anspruch auf Rückerstattung.

5

Risiken und wie sie minimiert werden

📊
Marktschwankungen: Dubai hatte historisch langfristig kontinuierliches Wachstum.
🏗️
Bauverzögerungen: Schutz durch das Escrow-System.
💱
Währungsrisiko: AED ist an USD gebunden (fester Wechselkurs).
6

Investition, Steuern und Anzahlung

180k€
Mindestinvestition
4%
DLD Steuer (einmalig)
24%
Anzahlung

Beispiele für 24% Anzahlung:

180.000€→ 43.200€
250.000€→ 60.000€
500.000€→ 120.000€
7

Jährliche Rendite – 8% ± Netto (steuerfrei)

Mieteinnahmen sind in Dubai vollständig steuerfrei. Mieten werden einmal im Jahr im Voraus bezahlt.

180k€
≈14.400€/Jahr
250k€
≈20.000€/Jahr
500k€
≈40.000€/Jahr
8

Wohnungspreise in Dubai

🏠
Studio
180k€+
🏠
1 Zimmer
240k€+
🏠
2 Zimmer
450k€+
🏠
3 Zimmer
750k€+
9

Beispiel einer erfolgreichen Investition

Wohnung in JVC für 180.000€, 12 Monate nach Fertigstellung.

Wertsteigerung
+40.000€
Miete
+14.400€
Gesamtgewinn
54.400€

100% steuerfrei

10

Zahlungsoptionen

On-Handover

Hauptzahlungen erfolgen vor oder bei Übergabe.

Post-Handover

Ein Teil während der Bauzeit, der Rest nach Übergabe.

11

Zahlungsbeispiel – 300.000€

Plan Anzahlung Bauphase Übergabe
On-Handover 72.000€ 108.000€ 120.000€
Post-Handover 72.000€ 123.000€ 105.000€*

*Nach Übergabe

12

Exklusivität und EOI

Einige Projekte sind nicht für jeden verfügbar – sie werden nur an ausgewählte Investoren verkauft. Wir haben Zugang zu allen Top-Projekten.

EOI (Expression of Interest)

Eine rückerstattbare Zahlung (50.000€ – 125.000€) um eine Einheit vor dem Launch zu reservieren. Wenn Sie nicht kaufen, erhalten Sie das Geld vollständig zurück.

13

Investitionszonen – A vs. B

A-Gebiete – ab 450.000€

Downtown, Dubai Islands, Business Bay, Dubai Hills, Sobha Hartland II

Schnellere Wertsteigerung

B-Gebiete – ab 180.000€

JVC, JVT, Dubai Land, Production City

Stabiler für langfristige Vermietung

14

Immobilien am Meer

Der Strand in Dubai ist begrenzt – eine kluge Investition! Immobilien am Meer bieten höhere Airbnb-Renditen. Ab 500.000€+ können Sie Strandwohnungen oder Villen kaufen.

15

Investition in Villen

Villen – der neue Investitionstrend in Dubai!

  • Ab 600.000€ in Damac Hills, Arabian Ranches, The Valley
  • Schnellere Wertsteigerung – Land ist begrenzt
  • Grünflächen, Privatsphäre und Ruhe
16

Dubai vs. Europa

Dubai Europa
Mietsteuer 0% 20-45%
Wertsteigerung 10-15%/Jahr 3-5%/Jahr
Kapitalertragssteuer 0% bis 30%
Mietzahlung 1 Jahr voraus Monatlich
17

Häufig gestellte Fragen (FAQ)

Kann ich als Deutscher/Österreicher/Schweizer kaufen?
Ja, jede Person aus jedem Land hat das Recht, Immobilien in Dubai zu kaufen.
Welche Dokumente werden benötigt?
Gültiger Reisepass, Adresse, Telefonnummer, E-Mail, Anzahlung + 4% DLD-Steuer.
Wie lange dauert der Prozess?
Für Off-Plan: 7–14 Tage. Für bezugsfertige Immobilien: 2–4 Wochen.
Muss ich persönlich in Dubai sein?
Nein – alles kann digital erledigt werden.
Kann ich vor Fertigstellung verkaufen?
Ja, nach 30–40% der Zahlungen.
Gibt es Kapitalertragssteuer?
Nein, Dubai hat keine Kapitalertragssteuer – der Gewinn gehört zu 100% Ihnen.
Kann ich Airbnb nutzen?
Ja, aber Sie benötigen eine Lizenz vom DTCM.
Gehört mir die Immobilie für immer?
Ja, in Freehold-Zonen gehört Ihnen die Immobilie für immer (nicht nur 99 Jahre).
Zahle ich Provision beim Off-Plan-Kauf?
Nein, bei Off-Plan gibt es keine Provision für den Käufer.
Kann ich Geld aus Dubai abziehen?
Ja, Gewinne können frei aus den VAE transferiert werden.
Was passiert, wenn der Bauträger bankrott geht?
Ihre Gelder sind durch das Escrow-Konto geschützt – Sie haben Anspruch auf vollständige Rückerstattung.
Wie finde ich Mieter?
Wir bieten vollständige Vermietungsunterstützung über unsere Agentur.
Was sind die laufenden Kosten?
Service Charges (Instandhaltung) von ca. 15-25€/m² pro Jahr, je nach Gebäude und Lage.
Kann ich eine Hypothek aufnehmen?
Ja, VAE-Banken bieten Hypotheken für Nicht-Residenten an (bis zu 50% des Wertes).
Wie zahle ich aus Deutschland?
Internationale Überweisung, Kryptowährung oder Dienste wie Wise sind alle akzeptiert.
Was ist der Unterschied zwischen Off-Plan und Ready?
Off-Plan: Im Bau (bessere Zahlungspläne, höheres Wertsteigerungspotenzial). Ready: Bezugsfertig (sofortige Vermietung möglich).
Kann ich mehrere Immobilien kaufen?
Ja, es gibt keine Begrenzung für die Anzahl der Immobilien, die Ausländer kaufen können.
Ist Dubai sicher für Investitionen?
Ja, Dubai hat eine der niedrigsten Kriminalitätsraten der Welt und ein stabiles politisches System.
Was ist Golden Visa?
Ein 10-jähriges Aufenthaltsvisum für Investoren, die Immobilien im Wert von mindestens 2 Mio. AED (~500.000€) kaufen.
Kann meine Familie auch ein Visum bekommen?
Ja, mit einem Investorenvisum können Sie Ihren Ehepartner und Kinder sponsern.
Wann ist der beste Zeitpunkt zum Investieren?
Jetzt – Dubais Markt wächst kontinuierlich, und frühe Investoren profitieren am meisten von der Wertsteigerung.
18

Fazit – Warum jetzt?

Investieren in Dubai ist eine Strategie für Finanzwachstum, passives Einkommen und langfristige Sicherheit.

  • 8%+ Rendite pro Jahr, steuerfrei
  • Mieten werden 1 Jahr im Voraus bezahlt
  • Aufenthaltsvisum ab 190.000€
  • Escrow Account garantiert Sicherheit

Disclaimer: Die Zahlen basieren auf historischen Durchschnittswerten und garantieren keine zukünftige Performance.

Investment Guide

Complete Guide to
Investing in Dubai

Everything you need to know to successfully invest in the Dubai real estate market.

1

Introduction – Why is Dubai the Best Place to Invest?

Dubai is one of the world's most renowned destinations for real estate investment. It not only offers zero taxes on rental income and capital gains, but also a stable market, rapid value growth, and high rental demand.

  • Zero taxes on rent and property sales
  • Rent paid one year in advance, no payment delays
  • Government-regulated market ensuring maximum security
  • Average value growth of 10-15% per year
  • Opportunity for residence visa through investment
2

Why Invest With Me?

  • I work at one of the Top 3 largest agencies in Dubai, with over 400 employees
  • Exclusively for the international community! I understand diverse needs
  • Born in Germany, studied economics, fluent in German, Albanian, and English
  • Investor myself with properties in Germany, Kosovo, and Dubai
3

Who Can Invest in Dubai?

Any person from any country in the world has the right to buy property in Dubai. Properties are purchased in Freehold zones – permanent ownership without time limits.

Residence Visas for Investors

2 Years
from €190,000
10 Years
Golden Visa €500,000+
4

Security – Dubai Land Department & Escrow Account

Investments are 100% protected by the government through the Dubai Land Department (DLD) and RERA.

What is an Escrow Account?

A protected bank account where funds cannot be touched by the developer until construction phases are completed. If the project is not finished, the investor is entitled to a refund.

5

Risks and How They're Minimized

📊
Market fluctuations: Dubai has had continuous long-term growth historically.
🏗️
Construction delays: Protection through the Escrow system.
💱
Currency risk: AED is pegged to USD (fixed exchange rate).
6

Investment, Taxes, and Down Payment

€180k
Minimum Investment
4%
DLD Tax (one-time)
24%
Down Payment

Examples for 24% down payment:

€180,000→ €43,200
€250,000→ €60,000
€500,000→ €120,000
7

Annual Return – 8% ± Net (tax-free)

Rental income is completely tax-free in Dubai. Rent is paid once a year in advance.

€180k
≈€14,400/year
€250k
≈€20,000/year
€500k
≈€40,000/year
8

Apartment Prices in Dubai

🏠
Studio
€180k+
🏠
1 Bedroom
€240k+
🏠
2 Bedrooms
€450k+
🏠
3 Bedrooms
€750k+
9

Example of a Successful Investment

Apartment in JVC for €180,000, 12 months after completion.

Value Appreciation
+€40,000
Rent
+€14,400
Total Profit
€54,400

100% tax-free

10

Payment Options

On-Handover

Main payments made before or at handover.

Post-Handover

Part during construction, remainder after handover.

11

Payment Example – €300,000

Plan Down Payment Construction Handover
On-Handover €72,000 €108,000 €120,000
Post-Handover €72,000 €123,000 €105,000*

*After handover

12

Exclusivity and EOI

Some projects aren't available to everyone – they're only sold to selected investors. We have access to all top projects.

EOI (Expression of Interest)

A refundable payment (€50,000 – €125,000) to reserve a unit before launch. If you don't buy, you get the money back in full.

13

Investment Zones – A vs. B

A Areas – from €450,000

Downtown, Dubai Islands, Business Bay, Dubai Hills, Sobha Hartland II

Faster value appreciation

B Areas – from €180,000

JVC, JVT, Dubai Land, Production City

More stable for long-term rental

14

Beachfront Properties

Beach in Dubai is limited – a smart investment! Beachfront properties offer higher Airbnb returns. From €500,000+ you can buy beach apartments or villas.

15

Investing in Villas

Villas – the new investment trend in Dubai!

  • From €600,000 in Damac Hills, Arabian Ranches, The Valley
  • Faster appreciation – land is limited
  • Green spaces, privacy, and tranquility
16

Dubai vs. Europe

Dubai Europe
Rental Tax 0% 20-45%
Value Appreciation 10-15%/year 3-5%/year
Capital Gains Tax 0% up to 30%
Rent Payment 1 year upfront Monthly
17

Frequently Asked Questions (FAQ)

Can I buy as a foreigner?
Yes, any person from any country has the right to buy property in Dubai.
What documents are needed?
Valid passport, address, phone number, email, down payment + 4% DLD tax.
How long does the process take?
For Off-Plan: 7–14 days. For ready properties: 2–4 weeks.
Do I need to be present in Dubai?
No – everything can be done digitally.
Can I sell before completion?
Yes, after 30–40% of payments.
Is there capital gains tax?
No, Dubai has no capital gains tax – the profit is 100% yours.
Can I use Airbnb?
Yes, but you need a license from DTCM.
Do I own the property forever?
Yes, in Freehold zones you own the property forever (not just 99 years).
Do I pay commission when buying Off-Plan?
No, for Off-Plan there is no commission for the buyer.
Can I withdraw money from Dubai?
Yes, profits can be transferred freely out of the UAE.
What happens if the developer goes bankrupt?
Your funds are protected by the Escrow account – you are entitled to a full refund.
How do I find tenants?
We provide full rental support through our agency.
What are the ongoing costs?
Service charges (maintenance) of approx. €15-25/m² per year, depending on building and location.
Can I get a mortgage?
Yes, UAE banks offer mortgages for non-residents (up to 50% of value).
How do I pay from abroad?
International wire transfer, cryptocurrency, or services like Wise are all accepted.
What's the difference between Off-Plan and Ready?
Off-Plan: Under construction (better payment plans, higher appreciation potential). Ready: Move-in ready (immediate rental possible).
Can I buy multiple properties?
Yes, there is no limit on the number of properties foreigners can buy.
Is Dubai safe for investment?
Yes, Dubai has one of the lowest crime rates in the world and a stable political system.
What is Golden Visa?
A 10-year residence visa for investors who buy property worth at least 2 million AED (~€500,000).
Can my family also get a visa?
Yes, with an investor visa you can sponsor your spouse and children.
When is the best time to invest?
Now – Dubai's market continues to grow, and early investors benefit most from appreciation.
18

Conclusion – Why Now?

Investing in Dubai is a strategy for financial growth, passive income, and long-term security.

  • 8%+ return per year, tax-free
  • Rent paid 1 year in advance
  • Residence visa from €190,000
  • Escrow Account guarantees security

Disclaimer: Figures are based on historical averages and do not guarantee future performance.