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Q: What is the first step to buying a home?

A: Ask yourself the following questions: Do I have steady income? Is my debt lower than my total income? Do I have enough money to pay for the down payment and closing costs? Am I working hard enough to improve bad credit? A house needs constant care and attention. Also ask yourself if your budget will allow for unexpected repairs and upkeep. Once you can honestly answer "yes" to these questions, you are several steps ahead of the game and that much closer to becoming a homeowner.

Q: Is it cost effective to buy rather than rent a property in the Dubai?

A: Yes it is. By paying the equivalent of between seven and eight years rent, an investor will own a home for ever.

Q: Should a buyer use a broker (real estate consultant)?

A: Yes. A real estate consultant is a person who is experienced in the market and who will have information about all the available projects. He will consider the financial,emotional and social needs of the buyer and produce a portfolio of the best properties on the market. However, a property developer will promote their own project directly.

Q: Does the broker provide an after-buying service?

A: A real estate consultant can help the buyer in leasing or renting the


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