Ajman Property: 5 Projects With Flexible Payment Plans and High Demand in 2025

REAL ESTATE1 month ago

Ajman’s AED 9B real estate market in 2024 (15,125 transactions, 21% year-on-year growth) offers apartments (AED 190K–2M), villas (AED 850K–29.5M), and townhouses (AED 600K–3M) with 7–10% ROI and 10–15% appreciation by 2028. With 240,000 residents (projected 300,000 by 2030) and 1.5M tourists in 2024, demand is driven by affordability (30–50% below Dubai), infrastructure (e.g., Ajman International Airport opening 2026, E311 connectivity), and freehold laws (since 2006 for expats in designated areas like Al Zorah).

Tax advantages zero personal income, capital gains, and inheritance taxes, VAT exemptions on residential properties, and 0% corporate tax for qualifying free zone income boost appeal. Five off-plan projects Seaside Hills Villas, Ajman One Phase 2, Kentia, BlueBell Residence, and Gateway Porto Al Zorah offer flexible payment plans (5–10% down, 5–7 years post-handover) and high demand (85–90% absorption).

These projects, attracting 3,000 foreign transactions in 2024 (AED 2B), blend luxury, affordability, and lifestyle. This guide details each project, its freehold benefits, tax incentives, payment plans, and investment potential, supported by 2024–2025 data.

1. Seaside Hills Villas (Al Zorah)

  • Project Details: A luxury beachfront development by Solidere International in Al Zorah, offering 5-bedroom villas (AED 9.25M–29.5M, 5,651 sqft) with private beach access, pools, and jacuzzis. Features sea views, gyms, sports courts, and proximity to Al Zorah Golf Club and Oberoi Beach Resort (5 min). Handover Q4 2025 with a 50/50 payment plan (10% down, 50% during construction, 40% post-handover over 5 years). Average price: AED 1,638–5,220 psf.
  • Freehold Benefits: 100% freehold ownership for all nationalities in Al Zorah free zone, registered via Ajman Land Department. Enables global resale and wealth transfer.
  • Tax Incentives: Zero-rated first supply avoids 5% VAT (saving AED 462.5K–1.475M). Zero personal income tax on rentals (AED 200K–500K/year), zero capital gains tax on profits (e.g., AED 925K–4.425M by 2028), and zero inheritance tax. Gift transfers reduce 4% RETT to 0.125% (saving AED 37K–589K). Free zone ownership ensures 0% corporate tax.
  • Payment Plan: 50/50 plan with 10% down, 50% during construction (milestone-based), and 40% post-handover over 5 years (interest-free).
  • Investment Potential: 7–9% ROI, with 90% occupancy driven by luxury demand and tourism (1.5M visitors in 2024). AED 500M in 2024 sales, with 10–15% appreciation by 2028 (e.g., AED 9.25M villa to AED 10.18M–10.64M). Golden Visa eligible (AED 2M+).
  • Impact: Upscale beachfront living, tax savings (AED 499K–2.064M), and connectivity to Dubai (25 min via E311) and Sharjah International Airport (20 min) attract HNWIs and families from GCC and Europe.

2. Ajman One Phase 2 (Al Rashidiya)

  • Project Details: A mixed-use development by Aqaar Developments in Ajman Downtown, offering 1,339 units (studios to 2-bedroom apartments, AED 299K–1M, 600–1,200 sqft) across 4 towers. Features waterfront views, retail, and proximity to City Centre Ajman (5 min) and Ajman Corniche (10 min). Handover Q4 2026 with a 10/50/40 payment plan (10% down, 50% during construction, 40% post-handover over 4 years). Average price: AED 498–833 psf.
  • Freehold Benefits: 100% freehold ownership in designated areas, registered via Ajman Land Department. Supports global sales and legacy planning.
  • Tax Incentives: Zero-rated first supply avoids VAT (saving AED 15K–50K). Zero personal income tax on rentals (AED 20K–80K/year), zero capital gains tax on profits (e.g., AED 30K–150K by 2028), and zero inheritance tax. Gift transfers reduce 4% RETT to 0.125% (saving AED 5K–19K). Free zone ownership ensures 0% corporate tax.
  • Payment Plan: 10/50/40 plan with 10% down, 50% during construction, and 40% post-handover over 4 years (interest-free).
  • Investment Potential: 8–10% ROI, with 85% occupancy driven by affordability and Dubai proximity (20 min). AED 400M in 2024 sales, with 10–15% appreciation by 2028 (e.g., AED 299K apartment to AED 329K–344K). Residency visa eligible (AED 750K+).
  • Impact: Budget-friendly urban living, tax savings (AED 20K–69K), and strategic location near Sharjah (10 min) attract young professionals and investors from Asia and GCC.

3. Kentia (Al Amerah)

  • Project Details: A contemporary development by GJ Properties in Ajman Uptown, offering studios to 2-bedroom apartments (AED 172K–600K, 400–1,000 sqft). Features pools, fitness centers, and gardens, with connectivity to E311 (3 min) and Dubai (25 min). Handover Q3 2025 with a 100/0 payment plan (10% down, 90% during construction). Average price: AED 430–600 psf.
  • Freehold Benefits: 100% freehold ownership in designated areas, registered via Ajman Land Department. Enables global resale and wealth transfer.
  • Tax Incentives: Zero-rated first supply avoids VAT (saving AED 8.6K–30K). Zero personal income tax on rentals (AED 15K–50K/year), zero capital gains tax on profits (e.g., AED 17K–90K by 2028), and zero inheritance tax. Gift transfers reduce 4% RETT to 0.125% (saving AED 3K–11K). Free zone ownership ensures 0% corporate tax.
  • Payment Plan: 100/0 plan with 10% down, 1% monthly during construction (interest-free).
  • Investment Potential: 8–10% ROI, with 85% occupancy driven by low entry prices and expat demand. AED 200M in 2024 sales, with 10–15% appreciation by 2028 (e.g., AED 172K studio to AED 189K–198K). Residency visa eligible (AED 750K+).
  • Impact: Affordable modern living, tax savings (AED 11.6K–41K), and proximity to Ajman Corniche (10 min) attract first-time buyers and investors from India and GCC.

4. BlueBell Residence (Al Amerah)

  • Project Details: A modern development by GJ Properties near Ajman Creek, offering 1–3-bedroom apartments (AED 496K–1.2M, 600–1,500 sqft) with fitted kitchens, pools, and gyms. Close to E311 (5 min) and Dubai International Airport (25 min). Handover Q4 2026 with a 100/0 payment plan (10% down, 90% during construction). Average price: AED 827–800 psf.
  • Freehold Benefits: 100% freehold ownership in designated areas, registered via Ajman Land Department. Supports global sales and legacy planning.
  • Tax Incentives: Zero-rated first supply avoids VAT (saving AED 24.8K–60K). Zero personal income tax on rentals (AED 30K–100K/year), zero capital gains tax on profits (e.g., AED 50K–180K by 2028), and zero inheritance tax. Gift transfers reduce 4% RETT to 0.125% (saving AED 6K–23K). Free zone ownership ensures 0% corporate tax.
  • Payment Plan: 100/0 plan with 10% down, 1% monthly during construction (interest-free).
  • Investment Potential: 8–10% ROI, with 85% occupancy driven by proximity to Ajman Creek and affordability. AED 300M in 2024 sales, with 10–15% appreciation by 2028 (e.g., AED 496K apartment to AED 546K–571K). Residency visa eligible (AED 750K+).
  • Impact: Urban lifestyle, tax savings (AED 30.8K–83K), and connectivity to Sharjah (15 min) attract families and investors seeking value-driven properties.

5. Gateway Porto Al Zorah (Al Zorah)

  • Project Details: A beachfront development by Al Zorah Development Company in Al Zorah, offering studios to 3-bedroom apartments and duplexes (AED 685K–2M, 685–2,000 sqft). Features creek views, Al Zorah Golf Club membership, and Oberoi Beach Resort access (5 min). Handover Q1 2026 with a 10/50/40 payment plan (10% down, 50% during construction, 40% post-handover over 4 years). Average price: AED 1,000–1,200 psf.
  • Freehold Benefits: 100% freehold ownership in Al Zorah free zone, registered via Ajman Land Department. Enables global resale and wealth transfer.
  • Tax Incentives: Zero-rated first supply avoids VAT (saving AED 34.25K–100K). Zero personal income tax on rentals (AED 40K–150K/year), zero capital gains tax on profits (e.g., AED 69K–300K by 2028), and zero inheritance tax. Gift transfers reduce 4% RETT to 0.125% (saving AED 8K–39K). Free zone ownership ensures 0% corporate tax.
  • Payment Plan: 10/50/40 plan with 10% down, 50% during construction, and 40% post-handover over 4 years (interest-free).
  • Investment Potential: 7–9% ROI, with 90% occupancy driven by tourism and resort-style amenities. AED 600M in 2024 sales, with 10–15% appreciation by 2028 (e.g., AED 685K apartment to AED 754K–788K). Golden Visa eligible (AED 2M+).
  • Impact: Resort-style coastal living, tax savings (AED 42.25K–139K), and proximity to Dubai (25 min) attract families and investors from GCC and Europe.
  • Yields and Appreciation: Ajman offers 7–10% ROI (apartments 8–10%, villas 7–9%) and 10–15% appreciation, driven by AED 9B in 2024 sales (21% YoY growth) and 7–11% rental growth. Off-plan sales (60% of transactions) dominate, with 5,000 units expected by 2028. Prices rose 10–18% in 2024 (AED 430–5,220 psf).
  • Freehold and Tax Environment: Freehold laws since 2006 allow 100% expat ownership in designated areas (e.g., Al Zorah), with inheritance rights, boosting demand (3,000 foreign transactions in 2024, AED 2B). Zero personal income, capital gains, and inheritance taxes, plus VAT exemptions, ensure tax efficiency. The 4% RETT (2% buyer in some cases) drops to 0.125% via gift transfers, saving AED 3K–589K. Free zone entities (e.g., Ajman Free Zone) offer 0% corporate tax. No RETT changes confirmed for 2025.
  • Infrastructure Impact: Ajman International Airport (opening 2026, 2M passengers), E311 upgrades, and Ajman Vision 2030 boost values by 5–10%. Tourism (1.5M visitors in 2024) and 85–90% occupancy drive rental demand (AED 500–2,000/night short-term). Short-stay rentals (introduced May 2024) enhance flexibility.
  • Investor Drivers: Freehold status, 100% foreign ownership, and flexible payment plans (5–10% down, up to 7 years post-handover) fuel 60% of demand. Golden Visa eligibility (AED 750K–2M threshold) and affordability (30–50% below Dubai) attract buyers from India, GCC, and Europe. Coastal and community-focused designs drive end-user demand.
  • Risks: Oversupply (5,000 units by 2028), AML compliance costs (AED 2K–7K), and off-plan delays pose a 10–12% correction risk in H2 2025. Mitigated by 85–90% absorption, escrow accounts, and RERA regulations.
  • Regulatory Framework: Ajman Land Department ensures transparency with digital portals (e.g., Ajman One). Escrow laws protect off-plan investments (e.g., Seaside Hills, handover Q4 2025). Freehold zones like Al Zorah allow inheritance rights for expats.

Investment Strategy

  • Diversification: Invest in Seaside Hills Villas (AED 9.25M–29.5M, 7–9% ROI) for luxury, Ajman One Phase 2 (AED 299K–1M, 8–10% ROI) for affordability, Kentia (AED 172K–600K, 8–10% ROI) for low entry, BlueBell Residence (AED 496K–1.2M, 8–10% ROI) for urban appeal, or Gateway Porto Al Zorah (AED 685K–2M, 7–9% ROI) for resort-style living.
  • Entry Points: Off-plan units with 5–10% down (e.g., Kentia, 1% monthly) offer flexibility. Ready-to-move units in Al Zorah suit immediate rentals (AED 15K–500K/year).
  • Tax Optimization: Hold properties personally to avoid 9% corporate tax or use free zone entities (e.g., Ajman Free Zone) for 0% corporate tax. Use gift transfers (0.125% RETT) or payment plans to reduce costs. Recover input VAT (AED 2K–50K/year) via FTA registration. Consult advisors like Shuraa Tax for compliance.
  • Process: Verify freehold status (expats limited to designated areas) and tax benefits via Ajman Land Department portals (e.g., Ajman One). Pay 2–4% RETT and secure NOC. Use platforms like Property Finder, Bayut, or squareyards.ae. Required documents: passport copy, proof of funds, no UAE visa needed. Documents must be translated into Arabic and legalized.

Conclusion

In 2025, Ajman’s five off-plan projects—Seaside Hills Villas, Ajman One Phase 2, Kentia, BlueBell Residence, and Gateway Porto Al Zorah offer 7–10% ROI and 10–15% appreciation, backed by AED 9B in 2024 sales.

Freehold laws (since 2006 for expats in designated areas) enable global ownership and inheritance, while tax advantages zero personal income, capital gains, and inheritance taxes, VAT exemptions, and gift transfers (saving AED 3K–589K) maximize returns. Flexible payment plans (5–10% down, up to 7 years post-handover) and high demand (85–90% absorption) drive investment. Despite a 10–12% correction risk from oversupply, escrow protections, RERA regulations, and infrastructure (e.g., Ajman International Airport, E311) ensure stability.

With affordability (30–50% below Dubai), coastal and urban appeal, and connectivity to Dubai (20–25 min), these projects attract families and investors. Explore opportunities via Property Finder, Bayut, or developers like Solidere, Aqaar, and GJ Properties for high-return, tax-efficient investments in Ajman’s thriving market. Ajman Property

read more: Ras Al Khaimah Real Estate: 6 Resort-Led Communities Offering Lifestyle and ROI in 2025

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