Dubai, UAE – A revolutionary property ownership model is set to reshape the real estate landscape in the United Arab Emirates, allowing residents to co-own properties by investing as little as Dh500. This new initiative aims to make real estate investment more accessible to UAE residents, including young professionals, expatriates, and middle-income individuals who previously found property ownership financially challenging.
The Dubai Land Department (DLD), in collaboration with multiple private real estate technology platforms, is in the final stages of launching a “fractional property ownership” system. Under this model, individuals can purchase small shares-or fractions-of a property, such as a residential apartment, holiday home, or commercial unit, by paying a minimum amount starting from Dh500.
This innovative scheme works similarly to crowdfunding investment, where multiple investors jointly purchase a real estate asset and earn proportional returns from rental income or capital appreciation. Once the property is acquired, it is managed by a licensed property management firm, and profits are distributed to investors based on their share percentage.
According to real estate experts, fractional ownership will open the door for thousands of UAE residents to enter the property market-previously considered a sector dominated by wealthy investors or long-term buyers. The system is designed to help small investors earn passive income from rent, benefit from rising property values, and diversify their investment portfolios without needing large capital.
“This will democratize real estate in the UAE,” said Ahmed Kazim, a Dubai-based property analyst. “Even individuals who cannot afford full property ownership will now have access to institutional-grade real estate and enjoy all the benefits of property investment.”
The initiative is expected to boost foreign investment as well, as global investors will be able to digitally purchase fractional shares of UAE properties without physically visiting the country. Blockchain-based platforms are likely to be used for secure, transparent ownership tracking and digital documentation.
Industry experts predict that fractional ownership will particularly benefit the holiday home and hospitality sectors, allowing investors to co-own hotel apartments and serviced residences in iconic locations such as Downtown Dubai, Dubai Marina, Palm Jumeirah, and Yas Island.
Furthermore, the initiative aligns with the UAE government’s long-term vision to support financial inclusion, smart digital transformation, and the growth of the real estate Sector uae Residents Can Co-Own Properties with Just Dh500 | Real Estate News
which contributed nearly 8.2% to the UAE’s GDP in 2024.
Although the program has not been officially launched, several real estate startups are preparing to launch licensed platforms in early 2026. Dubai Land Department is expected to issue regulatory guidelines, investor protection protocols, and compliance requirements for digital platforms participating in the program.
Real estate professionals say the initiative has the potential to transform the UAE from a luxury-driven property market into a more inclusive, investor-friendly ecosystem.
Once operational, residents and investors will be able to:
Buy shares in properties starting from Dh500.
Own multiple fractional investments in different locations.
Earn rental profits on a monthly or annual basis.
Sell their shares anytime via digital property exchanges.
Receive official ownership certificates issued via DLD.
With this new opportunity, UAE’s real estate sector is expected to attract younger investors and create a new wave of wealth-building
opportunities across the region.
