How to Obtain a Residence Visa in Dubai Without an Employer or Company

Many Dutch and Belgian nationals considering emigrating to Dubai wonder if an employer or a personal company is always required to obtain a residence visa. The answer is no.

In 2025, there are several ways to secure a residence visa without being employed or setting up a business. These routes are particularly interesting for real estate investors, retirees, and private individuals looking to build a life in Dubai.

This article explains the main options, the conditions for each visa type, and what to consider when making your choice.

Property Visa: Residency Rights Through Real Estate Investment

One of the most well-known ways to obtain a residence visa without an employer or company is through property. The Dubai authorities encourage foreign investment and link residency rights to it.

Key Conditions in 2025

You must own property in Dubai with a minimum value of AED 750,000 (approx. €187,500).
The property must not be fully mortgaged. Most banks require you to have contributed at least 50% equity.
The property must be registered in your name with the Dubai Land Department.
The visa is typically valid for 2 years and is renewable for as long as you remain the owner.

Who is it for?

This visa is particularly suitable for real estate investors who purchase an apartment or villa and wish to register the property in their own name. It is less suitable for those investing through a holding structure, as the visa is only linked to individuals.

Golden Visa: Long-Term Residence Permit

For several years, the Golden Visa has been available, a residence permit valid for 10 years. This visa is designed to attract high-net-worth individuals, entrepreneurs, and investors to Dubai long-term.

Options for Real Estate Investors

You must own property with a minimum value of AED 2 million (approx. €500,000).
You may finance this property with a mortgage, provided the bank is government-approved.
The visa is valid for 10 years and can also cover family members.

Benefits

Long validity, less administrative hassle
Ability to bring your family
No obligation to work or run a business

For investors who genuinely wish to settle in Dubai, this is one of the most attractive options.

Retirement Visa: Specifically for Retirees

Those who are retired and wish to move to Dubai can now utilise the Retirement Visa. This is a 5-year visa that is renewable.

Conditions in 2025

You must meet one of the following requirements:

Own property in Dubai with a value of at least AED 1 million (approx. €250,000)
Or have proven savings of AED 1 million
Or have an annual income of at least AED 180,000 (approx. €45,000)

Who is it suitable for?

For retirees who use their pension or savings to live in Dubai. The advantage is that you do not need an employer nor do you have to set up a company. The disadvantage is that the requirements are high, meaning you must demonstrate significant wealth.

Family Sponsorship: Via a Family Member with Residency Status

Another possibility is for a family member who already holds a valid residence visa to sponsor you. This applies, for example, to spouses or parents living in Dubai who have a legal income or property ownership.

Conditions

The sponsor must have a minimum income or a registered property
The application is only for direct family members
The visa is linked to the sponsor's residency

This is an additional route but is less relevant for independent investors.

What Should You Consider?

Although Dubai offers many opportunities, there are also important points to note:

No automatic citizenship: A residence visa does not grant the right to nationality. Your right of residence is always subject to the conditions.
Renewal required: Even with a Golden Visa, you must meet the requirements to renew.
Documentation needed: Think property deeds, bank statements, and income declarations. Dubai is strict on document checks.
Tax position in your home country: Moving to Dubai does not automatically mean your home country no longer considers you a tax resident. Clear emigration planning is necessary.
Costs: A visa application typically costs between AED 5,000 and AED 10,000 (approx. €1,250 to €2,500), including medical tests and the Emirates ID.

Conclusion: Multiple Routes Without an Employer or Company

For Dutch and Belgian nationals wishing to emigrate to Dubai in 2025 without an employer or company, there are sufficient options. The property visa and the Golden Visa are popular with investors, while the Retirement Visa provides a solution for retirees.

Which route is most suitable depends on your financial situation and your plans in Dubai. Always seek professional advice to avoid any surprises.

Would you like to know which residency route best suits your situation? We can connect you with accredited real estate agents and advisors in Dubai who have experience with emigration and real estate investments.