The complete guide for foreigners: Freehold zones, Golden Visas, investment thresholds, and financing.
Qatar divides foreign ownership into two categories. Understanding the difference is crucial for your long-term strategy.
Full Ownership (Perpetual). You own the land and the unit forever. This is the most popular option for investors seeking residency.
99-Year Lease. You have the right to use the property for 99 years. It is renewable and can be passed down to heirs.
Property investment is the most direct route to Qatari residency. There are two tiers depending on your investment value.
Ensure the property is located in one of the 9 Freehold or 16 Usufruct zones. Verify the developer's reputation.
Sign a Memorandum of Understanding (MOU) or Reservation Agreement. Typically requires a deposit of 10% to 20%.
Submit documents to the Office for Non-Qatari Real Estate Ownership (Ministry of Justice). This includes passport copies and the contract.
If you are taking a mortgage, finalize the approval with a Qatari bank. (See financing section below).
Meet at the Real Estate Registration Department to hand over the manager's cheque and receive your Title Deed immediately.
Non-Qataris can obtain mortgages from local banks like QNB, Doha Bank, and CBQ. Here are the standard terms:
| Feature | Details for Expats |
|---|---|
| Maximum LTV | Up to 70% of property value |
| Down Payment | Minimum 30% required |
| Loan Tenure | Up to 20 years |
| Age Limit | Loan must mature before age 60-65 |
| Interest Rates | Variable, typically tied to Qatar Central Bank rates |
Foreigners can own 100% of property in 9 designated zones.
Invest QAR 730k for temporary or QAR 3.65M for permanent residency.
0% annual property tax. Only a one-time transfer fee applies.
Access to world-class education, healthcare, and safety.
Yes, foreigners can buy plots of land in the designated Freehold zones for construction purposes. The construction usually must be completed within 4 years.
Budget for a 0.25% registration fee (transfer fee) payable to the government. If using an agent, commission is typically 1% to 2%.
Yes, you have full rights to lease the property and repatriate the rental income without restrictions.
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