Question: I invested in a property in Dubai in 2008. The project did not take off. We were promised that the project would be liquidated and the money returned to investors but this has yet to happen.
I had taken a mortgage to pay for this unit, so I have had to pay back a loan with interest. I was told that my money was put into an escrow account, can it not be released?
When a fellow investor who had bought a unit in the same project went to the site recently, they found construction on another development progressing.
I live overseas. Who can I approach for this matter to be resolved? MN, Belgium
Answer: Developers in the past were able to sell units from projects that didn’t have escrow accounts in place. Thankfully many changes to the real estate laws have now taken place in Dubai, which protect any investors entering into transactions with developers.
The only way any money that is now sitting in an escrow account can be withdrawn or distributed is with a court order.
I’m sure you have entered into discussions with the developer, but if you have not received any satisfaction due to the long delays, you will be able to find a solution only by filing a case at the Dubai courts. They will have the power to instruct the developers to compensate any investor or to get any of the money invested back, especially if the project has been officially cancelled by the Real Estate Regulatory Authority.
My advice would also be to appoint a law firm to fight your case and if you live abroad, it would also be useful if you appointed a power of attorney to help you so you will not need to travel.
Q: I recently invested in a studio in Dubai. I purchased the ready unit at a competitive price and am confident that it will appreciate in price in the next few years.
I’d like to earn rental income from it. Is it more lucrative to rent it out short term as a holiday home or opt for the traditional one-year lease?
If I opt for the former, can I handle it myself or is it recommended to go through a property management company? Do they charge exorbitant fees, which will erode my returns?
Are there any disadvantages for short-term rentals? Will my unit get damaged quicker because many customers will be using it?
How do I decide if I should live in the unit myself or rent it out? I am confused. JJ, Dubai
A: Buying a property as an investment, especially long-term, will give you a great rate of return but deciding whether to rent out your studio either long-term or short term is a personal preference.
I would urge you to do your research to ascertain what would work better for you as there are pros and cons when deciding, so I’ll list a few here so you can choose yourself.
Firstly, not knowing exactly where the studio is will blind me in my advice to you, but if it is in a popular location, renting short-term could financially be more rewarding, especially during high season.
You can rent it short-term yourself, but you would need a licence from the Department of Tourism and Commerce Marketing. If you do not have this, I suggest it would be better if you employ the services of many short-term rental companies that operate legally via their own licence granted by the same authority.
The fees vary and I would urge you to do your research and due diligence before deciding what’s best for you.
When renting short-term, there are a few disadvantages,. One would be the constant wear and tear of your unit with many different people staying and living differently to others, so the upkeep and obligatory requirement of cleaning and ensuring all is 100 per cent satisfactory could take its toll.
There is also the threat of noise, as some guests may hold parties or could be a nuisance to your neighbours, so this is definitely something to think about.
The rent amount can be constantly evaluated as the unit will always be available to others when vacant.
Renting long-term gives you potentially less income but more peace of mind as you will be able to have a business relationship with your tenant and lay down more concrete rules or regulations of how things get done, etc.
Remember that both options will still give you any appreciation on the unit provided the market continues to increase over the years.
The rent at renewal is subject to the Dubai Land Department rent calculator, which is regulated, so the rent will always be at the mercy of this and not calculated by market conditions.
Whether you live in or rent the property can be decided only by you. If you need a place to live and the location of your studio suits you, I suggest you live there.
However, if you decide that the income from either short or long-term renting of the studio is greater than any rent you will have to pay should you decide to live elsewhere, you ought to consider renting the studio and find alternative accommodation for yourself.
Mario Volpi is head of brokerage at Novvi Properties and has worked in the property sector for 40 years in London and Dubai. The opinions expressed do not constitute legal advice and are provided for information only. Please send any questions to mario@novviproperties.com
The National's picks
4.35pm: Tilal Al Khalediah
5.10pm: Continous
5.45pm: Raging Torrent
6.20pm: West Acre
7pm: Flood Zone
7.40pm: Straight No Chaser
8.15pm: Romantic Warrior
8.50pm: Calandogan
9.30pm: Forever Young
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The specs
Engine: 1.5-litre, 4-cylinder turbo
Transmission: CVT
Power: 170bhp
Torque: 220Nm
Price: Dh98,900
FA Cup quarter-final draw
The matches will be played across the weekend of 21 and 22 March
Sheffield United v Arsenal
Newcastle v Manchester City
Norwich v Derby/Manchester United
Leicester City v Chelsea
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The alternatives
• Founded in 2014, Telr is a payment aggregator and gateway with an office in Silicon Oasis. It’s e-commerce entry plan costs Dh349 monthly (plus VAT). QR codes direct customers to an online payment page and merchants can generate payments through messaging apps.
• Business Bay’s Pallapay claims 40,000-plus active merchants who can invoice customers and receive payment by card. Fees range from 1.99 per cent plus Dh1 per transaction depending on payment method and location, such as online or via UAE mobile.
• Tap started in May 2013 in Kuwait, allowing Middle East businesses to bill, accept, receive and make payments online “easier, faster and smoother” via goSell and goCollect. It supports more than 10,000 merchants. Monthly fees range from US$65-100, plus card charges of 2.75-3.75 per cent and Dh1.2 per sale.
• 2checkout’s “all-in-one payment gateway and merchant account” accepts payments in 200-plus markets for 2.4-3.9 per cent, plus a Dh1.2-Dh1.8 currency conversion charge. The US provider processes online shop and mobile transactions and has 17,000-plus active digital commerce users.
• PayPal is probably the best-known online goods payment method - usually used for eBay purchases - but can be used to receive funds, providing everyone’s signed up. Costs from 2.9 per cent plus Dh1.2 per transaction.
Dhadak 2
Director: Shazia Iqbal
Starring: Siddhant Chaturvedi, Triptii Dimri
Rating: 1/5
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UAE currency: the story behind the money in your pockets
Results
5pm: Handicap (PA) Dh80,000 (Turf) 1,600m; Winner: Nadhra, Fabrice Veron (jockey), Eric Lemartinel (trainer)
5.30pm: Maiden (PA) Dh80,000 (T) 1,400m; Winner: AF Dars, Tadhg O’Shea, Ernst Oertel
6pm: Handicap (PA) Dh80,000 (T) 1,400m; Winner: AF Musannef, Tadhg O’Shea, Ernst Oertel
6.30pm: Handicap (PA) Dh80,000 (T) 1,200m; Winner: AF Taghzel, Malin Holmberg, Ernst Oertel
7pm: Wathba Stallions Cup Handicap (PA) Dh70,000 (T) 2,200m; Winner: M’Y Yaromoon, Khalifa Al Neyadi, Jesus Rosales
7.30pm: Handicap (TB) Dh100,000 (PA) 1,400m; Winner: Hakeem, Jim Crowley, Ali Rashid Al Raihe
MOUNTAINHEAD REVIEW
Starring: Ramy Youssef, Steve Carell, Jason Schwartzman
Director: Jesse Armstrong
Rating: 3.5/5
The specs: 2019 Haval H6
Price, base: Dh69,900
Engine: 2.0-litre turbocharged four-cylinder
Transmission: Seven-speed automatic
Power: 197hp @ 5,500rpm
Torque: 315Nm @ 2,000rpm
Fuel economy, combined: 7.0L / 100km
Did you know?
Brunch has been around, is some form or another, for more than a century. The word was first mentioned in print in an 1895 edition of Hunter’s Weekly, after making the rounds among university students in Britain. The article, entitled Brunch: A Plea, argued the case for a later, more sociable weekend meal. “By eliminating the need to get up early on Sunday, brunch would make life brighter for Saturday night carousers. It would promote human happiness in other ways as well,” the piece read. “It is talk-compelling. It puts you in a good temper, it makes you satisfied with yourself and your fellow beings, it sweeps away the worries and cobwebs of the week.” More than 100 years later, author Guy Beringer’s words still ring true, especially in the UAE, where brunches are often used to mark special, sociable occasions.
Honeymoonish
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MATCH INFO
Barcelona 5 (Lenglet 2', Vidal 29', Messi 34', 75', Suarez 77')
Valladolid 1 (Kiko 15')
more from Janine di Giovanni
Muguruza's singles career in stats
WTA titles 3
Prize money US$11,128,219 (Dh40,873,133.82)
Wins / losses 293 / 149
Benefits of first-time home buyers' scheme
- Priority access to new homes from participating developers
- Discounts on sales price of off-plan units
- Flexible payment plans from developers
- Mortgages with better interest rates, faster approval times and reduced fees
- DLD registration fee can be paid through banks or credit cards at zero interest rates
The specs
Engine: 2.0-litre 4-cyl turbo
Power: 201hp at 5,200rpm
Torque: 320Nm at 1,750-4,000rpm
Transmission: 6-speed auto
Fuel consumption: 8.7L/100km
Price: Dh133,900
On sale: now
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THE CLOWN OF GAZA
Director: Abdulrahman Sabbah
Starring: Alaa Meqdad
Rating: 4/5
If you go
The flights
There are direct flights from Dubai to Sofia with FlyDubai (www.flydubai.com) and Wizz Air (www.wizzair.com), from Dh1,164 and Dh822 return including taxes, respectively.
The trip
Plovdiv is 150km from Sofia, with an hourly bus service taking around 2 hours and costing $16 (Dh58). The Rhodopes can be reached from Sofia in between 2-4hours.
The trip was organised by Bulguides (www.bulguides.com), which organises guided trips throughout Bulgaria. Guiding, accommodation, food and transfers from Plovdiv to the mountains and back costs around 170 USD for a four-day, three-night trip.
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What the law says
Micro-retirement is not a recognised concept or employment status under Federal Decree Law No. 33 of 2021 on the Regulation of Labour Relations (as amended) (UAE Labour Law). As such, it reflects a voluntary work-life balance practice, rather than a recognised legal employment category, according to Dilini Loku, senior associate for law firm Gateley Middle East.
“Some companies may offer formal sabbatical policies or career break programmes; however, beyond such arrangements, there is no automatic right or statutory entitlement to extended breaks,” she explains.
“Any leave taken beyond statutory entitlements, such as annual leave, is typically regarded as unpaid leave in accordance with Article 33 of the UAE Labour Law. While employees may legally take unpaid leave, such requests are subject to the employer’s discretion and require approval.”
If an employee resigns to pursue micro-retirement, the employment contract is terminated, and the employer is under no legal obligation to rehire the employee in the future unless specific contractual agreements are in place (such as return-to-work arrangements), which are generally uncommon, Ms Loku adds.
Read more about the coronavirus
ARGENTINA SQUAD
Goalkeepers: Franco Armani, Agustin Marchesin, Esteban Andrada
Defenders: Juan Foyth, Nicolas Otamendi, German Pezzella, Nicolas Tagliafico, Ramiro Funes Mori, Renzo Saravia, Marcos Acuna, Milton Casco
Midfielders: Leandro Paredes, Guido Rodriguez, Giovani Lo Celso, Exequiel Palacios, Roberto Pereyra, Rodrigo De Paul, Angel Di Maria
Forwards: Lionel Messi, Sergio Aguero, Lautaro Martinez, Paulo Dybala, Matias Suarez
THE SPECS
Engine: 3.5-litre V6
Transmission: six-speed manual
Power: 325bhp
Torque: 370Nm
Speed: 0-100km/h 3.9 seconds
Price: Dh230,000
On sale: now
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READ MORE ABOUT CORONAVIRUS
THE SIXTH SENSE
Starring: Bruce Willis, Toni Collette, Hayley Joel Osment
Director: M. Night Shyamalan
Rating: 5/5
Killing of Qassem Suleimani
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UAE currency: the story behind the money in your pockets
'Doctor Strange in the Multiverse Of Madness'
Director: Sam Raimi
Cast: Benedict Cumberbatch, Elizabeth Olsen, Chiwetel Ejiofor, Benedict Wong, Xochitl Gomez, Michael Stuhlbarg and Rachel McAdams
Rating: 3/5
COMPANY PROFILE
Founders: Alhaan Ahmed, Alyina Ahmed and Maximo Tettamanzi
Total funding: Self funded
