Master prompt
Property-investor residence narrative (UAE — Cabinet Resolution 65/2022)
Investor narrative for property-based UAE residence (3-year standard or 10-year Golden Visa). Covers AED 750K-2M emirate thresholds, source-of-funds traceability, and intent of UAE residence.
UAEProperty investorResidence visaGolden VisaCabinet Resolution 65/2022Source of funds
Draft a property-investor residence narrative for [INVESTOR_NAME]'s [VISA_LENGTH] application based on the property holding in [EMIRATE], pursuant to Cabinet Resolution No. 65 of 2022 (or Cabinet Resolution No. 21 of 2022 for 10-year Golden Visa property-investor pathway).
UAE-SPECIFIC FRAMING
- Property-investor residence is one of the most-used pathways for Indian HNW + middle-class investors.
- Thresholds (current as at 2026-05 - verify):
* Dubai: AED 750,000+ property = 3-year investor residence
* Dubai: AED 2,000,000+ property = 10-year Golden Visa
* Abu Dhabi / other emirates: AED 1,000,000+ for 3-year; AED 2,000,000+ for 10-year
* Property must be in designated freehold / leasehold area for foreign ownership
* Mortgaged property: equity must meet threshold (e.g. AED 750K paid down, even on AED 2M mortgaged purchase)
* Off-plan: developer must be RERA-approved (Dubai) or equivalent; payment plan tracked
- Source of funds traceability is highest scrutiny item:
* For Indian residents purchasing UAE property, RBI Liberalised Remittance Scheme (LRS) cap = USD 250K per individual per financial year
* Larger purchases require multiple LRS cycles OR business-sale proceeds repatriated through approved channels
* UAE-side: anti-money-laundering review by developer / land department; bank verification
* Indian-side: income-tax returns showing source; CA-certified source-of-funds statement
- Bilingual Arabic-English recommended for ICP federal; English-only often acceptable for GDRFA Dubai (Land Department Investor Card track).
- Family inclusion automatic once primary investor visa issued.
INVESTOR + PROPERTY SUMMARY
- Investor: [INVESTOR_NAME] (passport [PASSPORT_NUMBER], Indian)
- Emirate: [EMIRATE]
- Property value: AED [PROPERTY_VALUE_AED]
- Visa length: [VISA_LENGTH]
- Property type / status: [PROPERTY_TYPE]
- Source of funds: [SOURCE_OF_FUNDS]
- UAE residence intent: [UAE_RESIDENCE_INTENT]
- Family: Solo
DRAFT NARRATIVE (650-900 words). Sections below.
§1 — HEADER + ADDRESSEE
Top of page:
- [INVESTOR_NAME]
- Passport [PASSPORT_NUMBER], Indian
- Current address (home country + UAE if any)
- Phone + email
- Date Gregorian + Hijri
Addressee:
To: The Director General
General Directorate of Residency and Foreigners Affairs - Dubai
(or Federal Authority for Identity, Citizenship, Customs & Ports Security - ICP federal)
c.c.: Dubai Land Department (for property registration verification) / relevant emirate Land Department
Subject: "Application for [VISA_LENGTH] Property-Investor Residence Visa - [INVESTOR_NAME] - Property at [EMIRATE] - Value AED [PROPERTY_VALUE_AED]"
§2 — OPENING (80-110 words)
"I, [INVESTOR_NAME], a Indian national holding passport number [PASSPORT_NUMBER], respectfully submit this application for the issuance of a [VISA_LENGTH] Residence Visa under the property-investor pathway pursuant to [Cabinet Resolution No. 65 of 2022 / Cabinet Resolution No. 21 of 2022 for 10-year Golden Visa]. The application is based on my ownership of [property description] in [EMIRATE], valued at AED [PROPERTY_VALUE_AED], with verified source of funds and full alignment with the issuing emirate's land-ownership and anti-money-laundering requirements."
§3 — PROPERTY HOLDING DETAILS (200-260 words)
Draw from [PROPERTY_TYPE]:
(a) Property identification:
- Project name + developer (e.g. Emaar Beachfront, Aldar Mamsha)
- Specific unit number / villa number
- Plot number (if standalone)
- Sq. metres / built-up area
- Bedroom configuration
- Title deed number + issue date (or Oqood pre-registration for off-plan)
(b) Value evidence:
- Purchase price: AED [PROPERTY_VALUE_AED]
- Sale & Purchase Agreement (SPA) date + parties
- Current market valuation (broker valuation or land department snapshot)
- For mortgaged: loan amount + lender + equity paid
- For off-plan: developer payment plan + percentage paid to date
(c) Threshold confirmation:
- State the applicable threshold for [VISA_LENGTH] in [EMIRATE]
- Confirm property meets or exceeds threshold
- For mortgage: equity exceeds threshold (cite specific amount paid down)
(d) Registration status:
- Dubai: registered with Dubai Land Department (DLD); Oqood for off-plan
- Abu Dhabi: registered with Abu Dhabi Department of Municipalities & Transport (DMT) - Tawtheeq
- RERA-approved developer (Dubai)
- Title deed in [INVESTOR_NAME]'s sole / joint name
(e) Payment evidence:
- Bank transfers (sender bank, receiver developer / seller bank, dates, amounts in AED)
- SWIFT confirmations
- Land Department fee receipts (DLD: 4% transfer + AED 580 admin)
§4 — SOURCE OF FUNDS (220-300 words)
This is the highest-scrutiny section. Draw from [SOURCE_OF_FUNDS]:
(a) Origin of capital:
- Specific source: salary savings, business sale, property sale in home country, inheritance, dividend income, capital gains on equities, etc.
- For Indian residents: each remittance under LRS (USD 250K/individual/FY); multiple cycles if needed
- For business-sale proceeds: corporate-level source identified (XYZ Trading Pvt Ltd sale agreement dated [...])
(b) Tax compliance evidence:
- India: ITR for last 5 years; PAN-linked
- Audited financial statements (if business owner)
- Capital-gains tax paid on India-side sale (CA certificate)
- Form 15CB / 15CA where applicable for outward remittance
(c) Banking traceability:
- Funds routed from named Indian bank to UAE bank
- LRS-compliant declaration filed with Indian bank for each tranche
- UAE-receiving bank statement showing inflow
- No conversion through third-party / hawala / unregulated channels
(d) AML clearance:
- Property developer's AML review passed
- UAE-receiving bank AML review (KYC)
- PCC from country of nationality showing no financial-crime convictions
(e) Net worth statement:
- CA-certified statement of total assets / liabilities at point of purchase
- Source of funds covers the property value with margin
§5 — UAE RESIDENCE INTENT (140-200 words)
Draw from [UAE_RESIDENCE_INTENT]. Tailor to investor profile:
(a) Primary-residence intent (relocating family to UAE):
- Reasons: education for children (UAE international schools), business operations, retirement, family lifestyle
- Confirm UAE-based health insurance arranged for self + family
- School enrolment letters (for children) attached
- Statement that property will be principal residence; no rental sub-letting beyond personal-use basis
(b) Investment-base + intermittent UAE presence:
- Property as long-term asset + UAE base for periodic stays
- Underlying business in home country / globally that brings investor to UAE periodically
- Confirm property will not violate any short-let / leasing restrictions (DLD / RERA rules)
(c) Pure investment:
- Property as rental yield asset
- Investor stays in UAE on entry permit-basis; resident visa retained as legal anchor
- Confirm compliance with 6-month residence rule (or absence-of-6-month rule for Golden Visa; standard investor residence requires periodic UAE presence)
§6 — COMPLIANCE + CHARACTER (100-140 words)
(a) PCC from country of nationality - attested chain
(b) No prior UAE refusals, overstays, or bans
(c) Medical fitness arranged (post-entry)
(d) Health insurance arranged for self + family
(e) Statement of intent to comply with UAE laws, community standards, cultural norms
(f) For Indian residents: declaration that UAE residence does not violate Indian tax-residency rules; intent re tax-residency switch (if applicable) disclosed
§7 — FAMILY INCLUSION (Solo)
If Solo:
"This application is for solo residence. Family residence will be addressed separately under Family Residence sponsorship pathway upon issuance of primary investor visa."
If family included:
- Each family member listed (spouse, children, parents per applicable rules)
- Relationship documents (attested marriage certificate, birth certificates)
- Confirm primary investor visa will cover family dependent visas
- For Golden Visa property-investor: family included on primary's visa
- For 3-year investor: family residence applied for as separate sub-applications
§8 — CLOSING + SIGNATURE
"I respectfully submit this application and remain available for any further documentation or clarification. I undertake to comply with all UAE residence requirements and to notify GDRFA / ICP of any change in property ownership, address, or material circumstances."
Signed:
- [INVESTOR_NAME]
- Passport number + nationality
- Date
§9 — ENCLOSURES
A. Passport copy (all pages with stamps)
B. Passport-style photo (4.3x5.5cm, white background)
C. Title deed / Oqood pre-registration / SPA
D. Developer payment plan + receipts (for off-plan)
E. Mortgage statement (if applicable) showing equity paid
F. Property valuation (broker or DLD / DMT snapshot)
G. Source of funds documentation:
- Indian ITR for last 5 years
- CA-certified net worth statement
- Business-sale agreement (if applicable) - attested
- Bank statements (Indian + UAE) showing remittance trail
- LRS declarations
- Form 15CB / 15CA
H. PCC from country of nationality - attested chain
I. UAE bank statement (AED account)
J. Health insurance policy
K. Medical Fitness Certificate (post-entry)
L. For family: marriage / birth certificates - attested chain
M. Children's school admission letter (UAE side)
N. Tenancy contract / Ejari for residential occupancy (if property not occupied immediately; otherwise title deed serves)
O. Fee receipts
P. Application form printout
§10 — SUBMISSION + FEES
Submission tracks:
- Dubai: GDRFA Dubai + DLD Investor Visa fast-track (online via Dubai REST app / DLD smart app + GDRFA Amer)
- Abu Dhabi: ICP federal + ADGM / Saadiyat Investor track
- Other emirates: ICP federal + emirate Land Department
Fees (verify current):
- 3-year investor residence:
* Entry permit: AED 1,150-1,250
* Medical fitness: AED 380
* Emirates ID (3-year): AED 570
* Residence visa stamping: AED 460
* Investor visa fee: AED 1,150-2,250 depending on emirate
* Total: approximately AED 4,000-5,000
- 10-year Golden Visa (property-investor track):
* Application: AED 2,800-3,800
* Issuance: AED 1,150
* Medical: AED 880
* Emirates ID (10-year): variable
* Total: approximately AED 4,800-5,800
End with: "DRAFT investor residence narrative - for UAE-licensed law firm + Land Department coordination. Verify against current Cabinet Resolution 65/2022 + 21/2022 + emirate-specific thresholds (Dubai vs Abu Dhabi vs Sharjah differ materially). Source-of-funds documentation is the single most reviewed item - prepare CA-certified statement + LRS-compliant remittance chain + Indian ITR for last 5 years; insufficient source-of-funds traceability is a common refusal trigger. For Indian investors purchasing above LRS cycle limits, plan remittance across multiple financial years or via business-sale proceeds with full tax compliance. For off-plan property, verify RERA approval and developer escrow account integrity. Not legal advice."Unlock the vault to see the full prompt