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FTA Certified Agency to get mortgage in Dubai

Steps to Secure a Mortgage in Dubai: A Comprehensive Guide

Looking to buy property in Dubai? Our comprehensive guide explains how to secure a mortgage in Dubai, from finding the right lender to finalizing your purchase by the guidance of AB Capital Services. Learn about the benefits of investing in Dubai’s booming real estate market, understand the step-by-step mortgage process, and discover how AB Capital Services can simplify your journey with expert advice and streamlined solutions. Whether you’re a first-time buyer or an experienced investor, this guide has everything you need to make your dream property a reality.

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Establish company in Dubai 2025 Ab capital services (1)

How to Establish Company in Dubai? A Complete Guide for Entrepreneurs

Learn how to establish company in Dubai with our comprehensive guide. Discover the benefits of Dubai’s pro-business environment, free zones, tax incentives, and strategic location. Get step-by-step guidance on legal structures, licensing, and more. Partner with AB Capital Services for a smooth, hassle-free setup. Start your journey toward success in Dubai’s thriving market today!

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How to start event management business in Dubai

How to Start an Event Management Business in Dubai?

Looking to start an event management business in Dubai? This comprehensive guide from AB Capital Services covers essential steps, from market research and business structure selection to licensing and marketing strategies. Learn how to navigate Dubai’s business landscape and build a successful event management company.

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what is the Minimum investment to start a business in dubai

Minimum Investment to Start A Business in Dubai 2025: A Guide

Discover the Minimum Investment to Start Business in Dubai, including key cost components, low-cost setup options like free zones, and expert advice from AB Capital Services. Learn how to minimize costs and navigate the business setup process with ease. Book a free consultation today!

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FTA Private Clarifications Guide

Detailed Overview of FTA Private Clarifications Guide | AB Capital Services

FTA Private Clarifications Guide by FTA Certified Agency, their eligibility criteria, application process, and common mistakes to avoid. Simplify tax compliance with AB Capital Services’ expert assistance.

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Dubai International Financial Center

Dubai International Financial Center (DIFC): Your Gateway To Global Business

Discover why Dubai International Financial Centre (DIFC) is the ultimate global financial hub. Explore its strategic location, tax advantages, robust legal framework, and world-class facilities. Learn how AB Capital Services simplifies DIFC business setup with expert advisory, financial planning, and compliance solutions for success in the MEASA region.

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From Russia to Dubai

Expand From Russia To Dubai: A Smart Business Move

Expand your business from Russia to Dubai with ease. Discover Dubai’s strategic advantages, tax-free business environment, and access to global markets. Learn how AB Capital Services can simplify your transition and help your business thrive in the UAE.

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How to get a mortgage in Dubai

EASY GUIDE ON HOW TO GET A MORTGAGE IN DUBAI: COMPLETE GUIDE 2025

Are you ready to invest in one of the most active global real estate markets? Bearing in mind that Dubai boasts of and offers luxurious lifestyle, no tax on personal income, and superior quality of life, the city has become one of the most attractive destinations for property purchasers and investors. If you are planning to purchase an affordable property in Dubai and your plan is to use a mortgage, then it is crucial for you to know about how to get a mortgage in Dubai. In this guide, we will explain how to get a mortgage in Dubai on properties, give an overview of the main requirements, and tell you about AB Capital Services as your mortgage broker. Why Choose Dubai for Property Investment? This has made Dubai to be a preferred destination for property investment because of the fast-growing economy, strategic position and high returns. For both residents and international investors, the benefits of owning property here include: High ROI: Rental yields in Dubai are among some of the highest in the world. Tax-Free Income: No property tax or capital gains tax. Stable Economy: A hedged-off, diversified economy based on tourism, financial services, and export. World-Class Infrastructure: Preferably recognized for its hedonistic, spectacular architecture, and superior standards of living. With such strong arguments, it is not shocking to see that the real estate market in Dubai is booming. Nonetheless, the purchase of property using a mortgage entails the right knowledge of the financing opportunities as well as the process. Step-by-Step Guide to Getting a Mortgage in Dubai In order to make a right decision, it is significant to understand how the mortgages work in Dubai and what does the process involve. 1. Understand the Types of Mortgages Available The mortgage market in Dubai has a number of choices for residents and non-residents. Key mortgage types include: Fixed-Rate Mortgages: It provides a fixed and predetermined interest rates with attached tenors, these ranges from one to as high as five years. Variable-Rate Mortgages: The interest rate is adjusted according to the base lending rate of the United Arab Emirates. Islamic Mortgages: Islamic home financing, which is a type of mortgage that complies with the Islamic law. Both are useful, but contain their positives and negatives, depending on market environment and own financial objectives. You can talk to a mortgage advisor such as AB Capital Services to find out which of the two suits you best. 2. Eligibility Criteria for Mortgages in Dubai Mortgage application is open to both residents and non-residents of the UAE, but the conditions vary. Here’s a quick breakdown: UAE Residents: The majority of the banks provide first-time buyer loans at 80% of the property value with a 20% deposit. Non-Residents: Usual proportion of 50 to 75 percent of the property value and down payment of 25 to 50 percent. Income Requirements: Lenders want to be sure that the borrower has a steady income. This encompasses paid employees and business people who can produce income proof. Credit History: It is legalized that payment of damages or any financial product requires a good credit history. 3. Calculate Your Budget and Affordability One of the most important questions that need to be answered when considering property investment is how much one can afford. Consider all costs, including: Down Payment: This is usually 20 percent for residents and about 25-50 percent for non-residents. Mortgage Fees: This is in addition to other charges such as valuation, processing and registration fees. Interest Rates: Deduct fixed and variable rate to determine monthly payment. Mortgage calculators like the ones provided by AB Capital give you an exact figure of what you can afford and one can then budget for an amount accordingly. 4. Documents Required for Mortgage Approval While the exact documents may vary by lender, the following are commonly required: Passport and Visa: Identification and residency proof. Salary Certificate or Trade License: Proof of employment or business ownership. Bank Statements: Typically for the last six months. Credit Score Report: For assessing creditworthiness. Having all documents organized speeds up the mortgage approval process, allowing you to move quickly when you find the right property. Mortgage Approval Process in Dubai After accumulating the necessary papers needed for the mortgage and determining the financial estimation, a person can apply for a mortgage.  The process generally involves: Pre-Approval: Gives you a clear understanding of how much you are willing to borrow and makes you a better negotiator. Property Valuation: A valuation report provides an estimate of the market value of the property at play, confirming the market value, which is crucial in finalizing the amount of the loan required. Final Approval: Upon successful valuation, the bank sends a letter of final approval to the borrower. Transfer of Property Ownership: You can then get to the Dubai Land Department to complete the mortgage contract after approval of the mortgage. Having a reliable partner like AB Capital throughout this journey can make each of them easy and hassle-free. Why Work with AB Capital? Securing a mortgage in Dubai is more than just filling out paperwork. It involves understanding fluctuating interest rates, eligibility requirements, and legal procedures. AB Capital offers the expertise you need to make informed decisions and secure favorable mortgage terms. Book a Free call with AB Capital today by clicking here. Key Benefits of Working with AB Capital: Customized Solutions: AB Capital customizes mortgage options based on individual needs, whether you’re a resident or non-resident. Expert Guidance: AB Capital’s experienced advisors guide you through the entire process, from document collection to final approval. Mortgage Comparison: They offer detailed comparisons of available mortgage options, ensuring you find the best fit. Streamlined Process: Their efficient, client-focused approach reduces delays, ensuring a smooth and stress-free experience. With AB Capital, you’re in capable hands to navigate Dubai’s mortgage landscape confidently and find the best financing solutions for your property investment. Benefits of Getting a Mortgage in Dubai Opting for a mortgage instead of paying outright can be a wise financial

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Real estate business in dubai

Complete Guide on Starting a Real Estate Business in Dubai

The real estate market therefore, over time has grown and flourished becoming one of the most vibrant and lucrative centers for investors, buyers and developers internationally inclusive of Dubai. Despite the global recession’s impacts on real estate investment, Dubai remains to be an ideal investment haven because of its strategic location, adequate infrastructure and investor friendly policies. Nonetheless, AB Capital Services offers professional advice and wealth management concerning residential, commercial and other real estate businesses, as well as efficient management and implementation of owning shares with no hassle involved for all clients. Why Invest in Dubai’s Real Estate Market? Making Dubai a hub for investments in real estate since the returns are high, the income untaxed and properties modern. In the real estate investment, Dubai presents the investor with luxury homes, free zones, and affordable housing. Over the years, Dubai has provided a clear legal system for the real estate concerning long-term residence through property purchase, making it a strategic investment zone. Some key benefits of investing in Dubai real estate include: Tax-free income: Investors can enjoy tax-free rental income and capital gains. World-class infrastructure: Dubai boasts some of the most advanced infrastructures, from skyscrapers to transportation networks. Residency opportunities: Property owners in Dubai can qualify for long-term residence visas based on their investment. High rental yields: Dubai offers higher rental yields compared to many other global cities. The Role of AB Capital Services in the Dubai Real Estate Sector AB Capital Services plays a pivotal role in helping investors and entrepreneurs enter the Dubai real estate market. As a leading business consultancy, AB Capital offers tailored services to assist clients with property acquisition, legal compliance, and formation in the real estate sector. Whether you are looking to invest, start a real estate agency, or develop property, AB Capital’s expert team is well-equipped to streamline the entire process. With years of experience, AB Capital provides valuable market insights and personalized solutions that cater to each client’s specific needs. They handle everything from property searches to legal documentation, making it easier for clients to navigate the complexities of the Dubai real estate market. How AB Capital Helps with Real Estate Business Formation The real estate laws and regulations within the Middle Eastern country of Dubai make it compulsory for one to complete a series of legal formalities when it comes to establishing a business, and AB Capital Services seals this process. They assist clients with: Business licensing: Ensuring all necessary permits and licenses are obtained to legally operate in Dubai. Company formation: Offering tailored solutions for establishing a real estate company in Dubai’s mainland or free zones. Banking solutions: Assisting in opening business bank accounts and managing finances related to real estate transactions. Tax compliance: Ensuring that clients comply with all VAT and other tax-related regulations in Dubai. Setting Up a Real Estate Company in Dubai One of the most popular ways to tap into the real estate market is by setting up a real estate company. With AB Capital’s expertise, clients can choose between various business models depending on their objectives, such as: Real Estate Brokerage: Assisting clients in buying, selling, or renting properties. Property Development: Involves designing and constructing residential or commercial properties. Property Management: Managing properties on behalf of owners, including rent collection, tenant management, and maintenance. AB Capital guides clients through the process of registering their business with the Dubai Land Department (DLD) and obtaining the required permits, such as the Real Estate Regulatory Agency (RERA) certification. Popular Real Estate Areas in Dubai Dubai offers a wide range of options when it comes to property investments, from high-end luxury areas to affordable housing zones. Some of the most sought-after areas include: Downtown Dubai: Known for iconic landmarks like the Burj Khalifa and The Dubai Mall, Downtown Dubai is a prime location for luxury real estate. Palm Jumeirah: A man-made island known for luxury villas, resorts, and waterfront properties. Dubai Marina: Famous for its vibrant lifestyle, high-rise apartments, and marina views. Jumeirah Village Circle (JVC): A growing community with affordable housing options, making it popular among investors seeking rental income. Legal Requirements for Real Estate Transactions This market is controlled by the legal frameworks such as the Dubai Land Department and the Real Estate Regulatory Agency. Any real estate deal must be registered with the DLD and any real estate broker or agent must be registered with RERA. AB Capital helps the clients to meet all the legal formalities that are required when buying, selling or renting property. Key legal steps include: Property Formation: All property transactions must be registered with the DLD to ensure legality. Real Estate Agent Licensing: Real estate agents must hold a RERA license to operate in Dubai. Title Deed: Once a property is purchased, the buyer must obtain a title deed, which is a legal document confirming ownership. Real Estate Investment Opportunities in Dubai Dubai’s real estate market is diverse, offering opportunities in residential, commercial, and industrial properties. Investors can choose from: Residential properties: Apartments, villas, and townhouses in freehold and leasehold areas. Commercial properties: Offices, retail spaces, and warehouses in key business districts. Mixed-use developments: Areas that combine residential and commercial spaces, such as Business Bay and Jumeirah Lake Towers (JLT). AB Capital provides valuable insights into the best investment opportunities based on current market trends and the client’s financial goals. Financing Options for Real Estate in Dubai AB Capital also helps clients to source for funds for property acquisition in Dubai. Mortgage loans, investor visas relations, and partnerships have made AB Capital to partner with the best financial institutions that will meet the needs of their clients. This involves the mortgage process, the rates of interest and the best loan products in the market to offer. Property Management Services In addition, for clients intending to invest in the real estate market but do not have time or knowledge to handle property, AB Capital provides property management services. Such services include tenant acquisition, rent management, property management, and others. Through AB

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How to Open a Bank Account for a Non-Resident in the UAE

How to Open a Bank Account in the UAE for a Non-Resident with AB Capital Services

There are several advantages of opening a bank account in the UAE as a non-resident due to good development of the banking system and the steady increase in the financial industry in the UAE. However, the process is not easy because of the numerous rules and paperwork involved in the process. Through the help of AB Capital Services, non-residents can easily go through this process without many problems when it comes to bank account approvals and formation. Why Open a Bank Account in the UAE as a Non-Resident? The UAE has a sound and internationally accredited banking system which is safe, thus friendly for the non-residents who would wish to access banking services. The ability to open a UAE bank account gives non-residents tax-free banking, Investment portfolio options and a hub for conducting international business. Also, when a business has a local bank account, it’s easy to handle the monetary aspect in the area, thus enhancing the international operations and foreign exchange. Challenges Non-Residents Face in Opening a Bank Account in UAE However, non-residents are subjected to several difficulties when they want to open a bank account in the UAE. The rules and regulation of UAE authorities are very strict and some of them are as follows: Document checklist and verification process. Insurance companies in the UAE must demand that all non-resident applicants adhere to the AML regulation of the UAE, as well as offer valid and transparent documents showing their identity and their financial credibility of the applicant. This can take a very long time and prove very difficult, especially to people who have no knowledge of the laws governing the particular area. Overview of AB Capital Services and Their Expertise AB Capital Services are top business consultants in Dubai, UAE, and deals in banking services, business incorporation, and consultancy for the individuals and other strange enterprises.  Having worked with clients on account opening for years, AB Capital has come up with a flexible service delivery model that caters for non-resident individuals. Their team of experts knows the difficulties that non-residents go through and provides individual approaches to speed up the process. AB Capital’s Step-by-Step Process to Open a Bank Account AB Capital Services simplifies the bank account opening process through a streamlined, step-by-step approach. The process begins with an initial consultation, where the team assesses the client’s financial needs and objectives. After understanding the requirements, AB Capital assists in document preparation, ensuring that all necessary paperwork is in order before submission to the chosen UAE bank. They handle the communication with the bank and ensure that the account is approved within three business days. This hassle-free approach saves clients from the complexity of dealing with various regulatory bodies and banks. Required Documents for Non-Residents to Open a Bank Account To open a bank account in the UAE, non-residents need to provide a set of essential documents, including: A valid passport copy. Proof of residency from the applicant’s home country. Proof of income, such as salary slips or bank statements. Business-related documents (for corporate accounts) such as a trade license or certificate of incorporation. AB Capital ensures that these documents are correctly prepared and submitted, increasing the likelihood of quick approval from the banks. Types of Bank Accounts Available for Non-Residents AB Capital helps non-residents choose the right type of bank account based on their needs. Non-residents can open personal savings accounts for individual use, corporate accounts for business purposes, or even offshore accounts if they want to access international banking services. Each type of account has its own set of requirements, and AB Capital assists clients in determining the best option for their specific needs. Key Benefits of Using AB Capital Services for Bank Account Setup Using AB Capital Services for bank account formation offers several advantages: Quick approval: AB Capital ensures account formation within three days, reducing the waiting time significantly. Tailored services: Their experts customize the process based on the client’s unique financial needs, providing ongoing support throughout the formation process. Comprehensive assistance: From documentation to bank communication, AB Capital handles every step, ensuring a seamless experience for non-residents. Bank Account Fees and Charges for Non-Residents Banks in the UAE charge various fees for non-resident accounts, including account maintenance fees, minimum balance requirements, and transaction charges. AB Capital helps non-residents navigate these costs by recommending banks with competitive fee structures that align with their financial goals. They ensure clients are fully informed about any fees and work to reduce unnecessary expenses. How AB Capital Ensures Confidentiality and Security To this end, we shall ensure that all the user information is kept confidential and secure through our company, AB Capital. They apply intense data security measures to guarantee that financial information documents are protected with the highest level of security. A client can be confident that all their information they enter the account opening process will not be shared with any third party. The Role of AB Capital in Regulatory Compliance AB Capital ensures that all non-resident clients comply with the UAE’s strict banking and financial regulations, including AML and CFT laws. Their team stays up to date with the latest regulatory changes, making sure that clients’ accounts are compliant with all legal requirements. This eliminates the risk of delays or rejections due to incomplete or incorrect documentation. Additional Services Offered by AB Capital for Non-Residents In addition to banking solutions, AB Capital offers a wide range of services for non-residents, including: Company formation services: Assistance with setting up businesses in UAE free zones, offshore, or mainland. VAT consultation: Guidance on VAT registration and compliance. Business advisory services: Corporate finance, auditing, and tax residency certificates. Testimonials from clients who have Opened Bank Accounts with AB Capital Many non-residents have successfully opened bank accounts with the help of AB Capital. Clients have praised the firm for its professionalism, efficiency, and commitment to delivering fast results. Testimonials highlight how AB Capital’s personalized approach has helped individuals and businesses quickly establish banking relationships in the UAE. Conclusion As a

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How to get TRC certificate in the uae for Legal Person

TRC Certificate in the UAE for Legal Person: Step-by-Step Process by AB Capital Services

Introduction The UAE has a very favorable climate for doing business and has signed double taxation agreements with many countries. In order to take advantage of these tax treaties, the companies and other legal entities require a Tax Residency Certificate (TRC). This certificate helps businesses to escape the double taxation, get the best tax rates, and meet the international tax standards. In this blog, we will explain how to get a TRC certificate in the UAE for Legal Person, the advantages of this document, and how AB Capital Services, top business consultants in Dubai, can assist your company in this matter. What is a TRC Certificate for Legal Persons? TRC is recognized as an official document, which is released by the UAE’s Federal Tax Authority (FTA). It confirms the legal entity or company residence of the United Arab Emirates for tax Identification purpose. Having TRC means that legal entities can take advantages of UAE tax treaties with other states, and thus it is useful for the companies with global presence. Eligibility Criteria for TRC for Legal Entities For legal persons (companies and other business entities) to be eligible for a TRC in the UAE, they must meet certain criteria: Established in the UAE: The company must be legally operating in the UAE either as a mainland, free zone or offshore company and must be registered. Active Operations: The company must show that it is conducting business within the UAE and that it is conducting business frequently. Physical Presence: The entity must have an office or place of business in the UAE. Compliance: The company should also be in compliance with the laws of the UAE, accounting and VAT if any. Documents Required for TRC Application for Legal Persons To qualify for a TRC in the UAE when applying as a legal person, there are several documents that one is needed to produce. To prevent any form of delay, AB Capital Services makes sure that all the paperwork is well done. The following documents are typically required: Photocopy of the trade license of the company. Certified true copy of the company’s Memorandum of Association (MoA). Company’s shareholders and ownership structure showing the proportion of ownership of each shareholder. Consolidated audited financial statements for the last fiscal year. Lease agreement of the company for the office or operational place. Bank statements for the last six months. Business documents that show that the business is active in the UAE (invoices, contracts, etc.). Letter of board resolution to affirm the company’s decision to apply for the TRC. TRC Application Process with AB Capital Services The application of the TRC is not easy, especially for companies that have international operations and businesses. AB Capital Services makes this process straightforward by offering expert guidance at each step: Initial Consultation: AB Capital checks your company’s compliance with the TRC and examines your existing business model for improvements. Document Preparation: The team helps you compile and submit all necessary documents that meet the FTA’s requirements. Application Submission: AB Capital is responsible for the submission of the application to the FTA and guarantees that all the information provided is correct and all the necessary documents are included. Follow-up and Approval: AB Capital monitors the status of the application and informs the client periodically until the TRC is received. Why Legal Entities Should Obtain a TRC in the UAE? Obtaining a TRC as a legal person provides numerous benefits for businesses, especially those engaged in cross-border transactions: Avoid Double Taxation: The TRC enables a legal entity to escape from being taxed in the UAE and in another country on the same income. Access to Favorable Tax Rates:The advantage of having a TRC is that companies can take advantage of the lower tax rates that are negotiated between the UAE and other countries. Strengthened Business Reputation: Having a TRC puts your company in a better position, proving that the company is in compliance with the international tax laws. Financial Optimization: The TRC enables companies to minimize their tax liability and invest more in their growth and development. Challenges in Obtaining a TRC for Legal Persons and How AB Capital Can Help Although the process of obtaining a TRC holds many advantages, it may have its difficulties for those companies who lack knowledge of corresponding legislation. Common challenges include: Complex Documentation: Meeting the FTA’s requirements on all the documents, you may encounter problems without the help of a professional. Time-Consuming Process: Seeking a TRC may be cumbersome, particularly if some organizations are operating in several different countries. Frequent Changes in Regulations: With UAE taxes and compliance laws, there can be amendments in laws which can make it hard for the businesses to adapt to the changes. These challenges are well handled by AB Capital Services through provision of services that are unique to each client. It also makes sure that approved applications at the time of submission are properly prepared and timely submitted so that they are not rejected by the UAE laws. AB Capital Services: Your Trusted Partner in TRC Applications AB Capital Services has established itself as a trusted partner for businesses seeking tax residency certificates in the UAE. With a team of experienced consultants, they offer comprehensive support for businesses throughout the TRC application process. Here’s why AB Capital is the right choice: Expert Knowledge: Their team has vast knowledge in UAE tax residency laws, which makes your company’s application to be in conformity with the laws. Personalized Solutions: AB Capital offers its services in a way that is most suitable for your business needs, so you get the best services that you need. Transparent and Timely Service: The company is also very professional and keeps the client informed throughout the process and the process is very fast. TRC Certificate for Legal Persons vs. Natural Persons While both legal persons (companies) and natural persons (individuals) can apply for a TRC, the process and requirements differ significantly: Legal Entities: Need to provide a lot of information concerning their activities, financial

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TRC for Natural Person

How to get TRC Certificate in the UAE for Natural Person? AB Capital Services

A TRC Certificate in the UAE (Tax Residency Certificate) offers significant benefits for individuals and businesses, particularly those involved in international trade and investment. With a TRC, UAE residents can leverage the country’s extensive network of tax treaties to avoid double taxation and enjoy favorable tax treatment in over 100 countries. However, obtaining a TRC can be a complex process that requires meeting specific residency criteria and submitting various documents to the Federal Tax Authority (FTA). AB Capital Services, a trusted business consultancy in Dubai, streamlines the application process, ensuring compliance and efficiency, so applicants can secure their TRC with ease. Whether you’re a natural person or a corporate entity, AB Capital provides personalized guidance to make the TRC application process straightforward and legally sound.

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