Latest Covid-19 rules in Dubai and Abu Dhabi: what you need to know


Juman Jarallah
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Follow the latest updates on the Covid-19 pandemic here.

As cases of Covid-19 rise around the globe, the UAE is working to keep pace with developments and adjust regulations to ensure people are kept safe while economic activity resumes.

In August, the National Emergency, Crisis and Disaster Management Authority set out the latest nationwide changes. Ncema said local authorities in each emirate would now be responsible for overseeing and amending rules as they see fit, allowing for greater flexibility depending on the local situation.

Individual emirates, including Dubai, have previously set out different capacity levels and regulations for events, while enforcing federal rules, for example, ensuring that masks are worn in all public places.

Here is The National's regular update on the rules.

As of December 21, here are the Covid-19 rules in Dubai:

  • Authorities are encouraging people to receive a booster shot six months after their second dose of a vaccine
  • The two-metre social distancing rule has been reduced to one metre in some areas of the emirate
  • New rules are in place for travel into the UAE from neighbouring countries
  • To enter a federal government department, unvaccinated people must present a negative PCR test result received within 48 hours. From January 3, people will need to have green status on Al Hosn to enter federal government offices across all emirates
  • Hotels have returned to full occupancy, while entertainment venues have capacity limits of 70 per cent (up from 50 per cent)
  • Weddings can be held with up to 100 people at venues and hotels but all staff and guests must be vaccinated
  • Restaurants and cafes can operate at 80 per cent capacity and can remain open until 3am
  • The number of people who can sit at one table is 10 for restaurants and six at cafes
  • Private gatherings held in homes, including weddings, are capped at 30 guests
  • Concerts, sports spectator events and social and institutional events are permitted, providing the audience, participants and staff are vaccinated against Covid-19
  • The maximum attendance for large public events that require permits is 1,500 for indoors and 2,500 for outdoors
  • Face masks are mandatory in public and in private gatherings and people are required to maintain physical distance from others

As of December 21, here are the Covid-19 rules in Abu Dhabi:

  • A green pass system is in place requiring individuals to be vaccinated and regularly tested to access many public places. To maintain the green status, people must undergo a PCR test every two weeks. Green status is also required to enter all federal government offices across the country
  • Authorities are encouraging people to receive a booster shot six months after their second dose of a vaccine
  • New rules are in place for travel into the UAE from neighbouring countries
  • Face masks are no longer required at all times and can be removed in certain areas and under specific circumstances
  • A negative PCR test result received within 96 hours is needed to attend events and exhibitions
  • Quarantine is removed for vaccinated people travelling to Abu Dhabi, as well as for unvaccinated individuals arriving from a green list country. They must instead undergo PCR tests, without quarantine
  • Electronic wristbands, used to monitor home quarantine, are no longer in use for international travellers or people who have come into contact with positive Covid-19 cases. However, they are still required for individuals who test positive for the coronavirus
  • Travellers to Abu Dhabi must register with the Federal Authority for Identity and Citizenship (ICA) before boarding flights
  • Government entities in Abu Dhabi returned to 100 per cent office capacity. Vaccinated employees and those exempted must show green status on Al Hosn app and follow government testing requirements. Unvaccinated employees must test every seven days
  • Capacity limits have increased at gyms, shops, cafe's, restaurants, malls, schools, museums, resorts and theme parks
  • Up to 10 people can sit together at a cafe or restaurant, up from four. Previously, family members could sit together with no limit on numbers
  • Indoor events can operate at 80 per cent capacity, up from 60, provided those attending wear face masks and present a negative PCR test received within 96 hours.
  • Wedding halls can operate at a maximum of 60 per cent capacity but the number of guests should not exceed 100 for indoor halls, 300 for open-air wedding venues, and 60 for weddings hosted at home. Guests should be fully vaccinated and the second dose should have been taken at least two weeks before the event. A negative PCR test taken no more than 48 hours before the event is also a must.
  • Malls and shopping centres are limited to 80 per cent capacity, up from 40 per cent
  • Cinemas, recreational facilities, galleries and museums can operate at 80 per cent capacity, up from 30 per cent
  • Operating capacity for live events is set at 60 per cent, provided that social distancing, mask-wearing and regular sanitisation guidelines are observed
  • To attend a live event, individuals must have received two doses of a coronavirus vaccine with the second dose having been taken within the previous six months. For senior citizens and people with chronic diseases, their second dose should have been received within the previous three months. All attendees should also present a negative PCR test received within 48 hours of the live event
  • Public transportation can operate at 75 per cent capacity, up from 50 per cent. Unvaccinated people must present a negative PCR test result, received within 48 hours, to enter a federal government department
  • People who have come into contact with a positive Covid-19 case must undergo home quarantine but do not require an electronic wristband
  • Gyms as well as private beaches and swimming pools cannot be more than half full

What testing is required to enter Abu Dhabi from other emirates?

New checks designed to identify commuters with Covid-19 are in effect at the Abu Dhabi-Dubai border from December 19.

Motorists stop at a gated checkpoint and officers use a mobile phone application to scan for signs of fever and other symptoms of Covid-19. Anyone found to have signs of the virus is sent for a free antigen test at a nearby screening centre, with the results ready in 20 minutes.

People who reside in Abu Dhabi and test positive will be sent home to quarantine for 10 days. Drivers from outside Abu Dhabi must return home and alert the authorities in their home emirate.

When can I remove my face mask?

Wearing face masks in most public places is mandatory throughout the UAE with Dh3,000 fines for anyone who does not comply.

People should keep their face masks on while in public whenever possible to protect themselves against infection. However, there are occasions when you can take it off without risk of being fined.

In Abu Dhabi, people are not required to wear their mask when exercising in a public place, at the beach or at the pool. On September 22, the Ministry of Health and Prevention and Ncema announced masks are no longer required while undergoing "personal services" including hair cuts, facials or other spa services that involved the head or face. Masks are no longer mandatory during health appointments at medical centres or clinics while undergoing diagnosis and treatment or while travelling in a car with people who live in the same household.

In Dubai, people are allowed to remove their mask when exercising alone outdoors. In Abu Dhabi, people have to wear their masks while exercising, but can lower them if feeling unwell at any point to catch their breath.

What are is the green pass system to access public places in Abu Dhabi?

Abu Dhabi restricted access to some public areas to only vaccinated people.

Those who remain unvaccinated are unable to access a number of venues, including restaurants, cafes, malls and shops.

The list also includes gyms, sports centres, health clubs, resorts, museums, galleries and theme parks, as well as universities, colleges, nurseries and schools.

Vaccinated people are admitted through having green status on Al Hosn, the UAE's vaccination app.

Green status is displayed on the app after a negative PCR test result. It remains valid for 30 days for fully vaccinated people who received their second dose at least 28 days prior.

What are the capacity limits in public places in Abu Dhabi?

In August, capacity limits increased to 80 per cent at malls, entertainment centres, cultural centres, museums, movie theatres, restaurants and cafes.

Operating capacities for health clubs, sports academies, gyms and spas remain at 50 per cent.

Community and sports events, including corporate events such as exhibitions and conferences, concerts and theatre plays are limited to 60 per cent capacity. Wedding halls will also be able to 100 people.

Officials authorised increasing the operating capacity of public transportation to 75 per cent, as well as taxi capacity, so that a taxi driver can travel with up to three passengers in a five-person taxi and four passengers in a seven-person taxi.

How many people can sit at a single table in a restaurant?

In Abu Dhabi, only four people can sit at a single table at a restaurant if they are not from the same household. The exception to the rule is for children, who can sit at the same table as their family. As of June 5, family members can sit together at restaurants and cafes with no limit of numbers. Larger mixed groups will be split into tables of four, spaced two metres apart.

In Dubai, 10 people can sit together at a restaurant. This is up from seven. The number of people who can sit together in a cafe is now six. Entertainment activities can resume in restaurants, cafes and shopping malls for a trial period of one month.

What are the rules at a beach club or swimming pool?

Swimming pools and beach clubs are open across the country. Loungers are spaced two metres apart and capacity limits are in place in some emirates to prevent crowding.

Previously, visitors to beach clubs or private pools were required to wear face masks at all times except when swimming or eating - specifically when walking around. Under recent reduced restrictions, it is advisable to call ahead to find out requirements.

In Abu Dhabi, face masks are no longer mandatory at open beaches and swimming pools.

Cove Beach on Reem Island. Victor Besa / The National
Cove Beach on Reem Island. Victor Besa / The National

What are the UAE's Covid-19 fines?

Following the Covid-19 outbreak, the UAE introduced a list of fines to protect people from the virus' spread. They included Dh3,000 fines for not wearing a face mask in public and heftier fines for breaking mandated home quarantine or refusing to undergo Covid-19 testing.

In August, authorities updated the list to include a new focus on deception offences, including fines for cheating or providing incorrect information to evade quarantine or precautionary measures. See the full list here.

Are entertainment venues such as amusement parks open? What are the rules there?

Water parks and other amusement parks have all reopened. All have reduced capacity to prevent crowding on rides. Hand sanitiser stations and face masks are mandatory.

Visitors must pass through a thermal scanner on entry and sanitising stations are set up across the venue.

At regular theme parks, visitors must wear a face mask at all times, regularly sanitise their hands and avoid gathering in groups. Fabric masks, rather than disposable masks, are recommended because some rides do not allow disposable masks.

At water parks in Abu Dhabi, a quick-dry mask is handed out free for use between rides.

Visitors at Ferrari World, Abu Dhabi. Victor Besa / The National
Visitors at Ferrari World, Abu Dhabi. Victor Besa / The National

What are the rules at hotels?

Some hotels were briefly closed last year amid a global halt on international travel.

They have since reopened with safety measures in place. These include mandatory use of face masks, physical distancing and reduced capacities.

Buffets and brunches, which ceased briefly, have since resumed, but with partitions in place and staff on hand to serve food to prevent potential contamination.

Restaurants require reservations, more so than before the pandemic, because space is limited with tables kept two metres apart.

In Dubai, hotel occupancy is back at 100 per cent of total capacity.

The facilities are frequently sanitised to ensure the safety of guests.

Are public parks still open? What about gyms?

Public parks and beaches remain open but, in Abu Dhabi, have been capped at 50 per cent capacity.

Gyms in Abu Dhabi have had their capacities reduced to half to ensure visitors are correctly distanced from others.

In Dubai, gyms and fitness centres have brought in safety measures in a bid to cut the chance of coronavirus spreading among clients. Exercise classes have reduced capacity, equipment has been removed and some managers have made mask-wearing mandatory, even when doing strenuous exercise.

The new rules govern entertainment and serving hours in bars and restaurants. Pawan Singh / The National
The new rules govern entertainment and serving hours in bars and restaurants. Pawan Singh / The National

Is live entertainment allowed?

Live entertainment has resumed at restaurants, cafes and shopping malls in Dubai for a trial period of one month, after it had been halted for several months.

The trial period could be extended, Dubai Media Office said.

Music concerts, community sports events, spectator events and social and institutional events will be allowed on the condition that all members of audiences, participants and staff have been vaccinated.

Men wear face masks and gloves while shopping in Musaffah, Abu Dhabi. Victor Besa / The National
Men wear face masks and gloves while shopping in Musaffah, Abu Dhabi. Victor Besa / The National

How many of people are allowed to gather in a house?

In Abu Dhabi, up to 60 guests and 10 catering and hospitality staff are allowed to gather in a home but they must adhere to specific health and safety measures. These include wearing face masks and remaining at least two metres apart. Guests should be fully vaccinated and the second dose should have been taken at least two weeks before the event. They will be required to show a green pass on Al Hosn app.

A negative PCR test taken no more than 48 hours before the event is also a must. Guests will be checked for temperature on arrival and they must wear face masks at all times. The premises should be regularly sanitised.

A fine of Dh10,000 will be imposed on anyone who hosts, invites or organises social gatherings, meetings, private and public celebrations that exceed this number. Participants also face fines of Dh5,000 each.

In Dubai, authorities have said up to 30 people can attend a private gathering in someone's home, including a wedding reception, as long as precautionary measures are observed.

Social events such as weddings held in public venues can now have up to 100 people in attendance, so long as they are vaccinated. Previously, only 10 people were allowed at a wedding and all had to be related.

Worshippers attend a service at St Paul’s church in Musaffah, Abu Dhabi. Reem Mohammed / The National
Worshippers attend a service at St Paul’s church in Musaffah, Abu Dhabi. Reem Mohammed / The National

Are places of worship open?

Yes. All places of worship have reopened, including mosques, temples and churches.

Mosques can open at 50 per cent capacity for all but Friday prayers, which are capped at 30 per cent. Women's prayer halls in Dubai reopened from June 7 after closing in March 2020.

Churches are also open with a capacity limit of 30 per cent and worshippers can book their visits online to prevent crowding.

Hindu temples can receive up to 30 per cent of their maximum capacity, though entry times are restricted.

Strict safety measures are enforced at all places of worship to prevent the spread of Covid-19.

How many people are allowed in a car?

Only three people can travel in the same car, including the driver, if they are not from the same family. If they are from the same family, you can have more than three people in one car.

As soon as more than one person is in a vehicle, face masks must be worn. Rules on public transport are a little different. Face masks must be worn at all times and some seats will be blocked off to ensure physical distancing.

No more than three people are allowed in regular taxis but up to four are allowed to travel in a Dubai Taxi van, which can be booked through the Careem app.

Can I take a bus or taxi between Abu Dhabi and Dubai?

Roads and Transport Authority intercity buses are currently suspended, but taxis are allowed to travel between emirates.

Passengers will need to undergo the appropriate testing to enter Abu Dhabi.

In Abu Dhabi, buses can carry 50 per cent of their typical passenger capacity. A maximum of three passengers are permitted in a five-person taxi and four passengers in a seven-person taxis.

What happens if someone comes into contact with another person who tested positive for Covid-19?

Rules vary slightly from emirate to emirate. Typically, health authorities will call you in for testing and then advise you to self-isolate from 10 days.

In Dubai, authorities said anyone who is in contact for 15 minutes with someone who has Covid-19 must quarantine at home for 10 days. Government workers have been told that if they are not vaccinated and must isolate for any reason, and cannot work from home, that their annual leave days will be used.

In Abu Dhabi, individuals are required to quarantine at home without the need for an electronic wristband.

Since updating the rules on September 19, authorities have not clarified the quarantine period or if testing is still required.

Prior to September 19, anyone vaccinated, who came into contact with a Covid-19 patient, was required to quarantine for seven days and take a PCR test on day six. If the PCR test result was negative, they could remove the tracker device on day seven. Unvaccinated people were required to quarantine for 10 days and take a PCR test on day nine. If the test result was negative, they could remove the device on day 10.

An electronic wristband is fitted to a patient at the coronavirus centre at Adnec in Abu Dhabi. Victor Besa / The National
An electronic wristband is fitted to a patient at the coronavirus centre at Adnec in Abu Dhabi. Victor Besa / The National

What do I do if I test positive for Covid-19?

If the individual is in Abu Dhabi, they will receive a text message directing them to report to Mafraq Hospital, near Baniyas, to have another PCR test. If that result is also positive, they must return to the hospital the next day to be fitted with a tracker watch to ensure they quarantine at home for at least 10 days. If the person has mild symptoms, they will quarantine normally at home, undergo a PCR test on day eight at home and have their tracker removed on the tenth day. People with stronger symptoms will undergo a medical check-up and be seen by a doctor.

In Dubai, people with mild cases of Covid-19 must isolate at home for 10 days. If a patient develops stronger symptoms, they must contact the Dubai Health Authority (800 342) for advice. Across the UAE, people with Covid-19 must report their infection to the Ministry of Health and Prevention (800 11111), if they have not already received a message from authorities indicating they are aware. Those who do not will face a prison sentence and a fine of between Dh10,000 and Dh50,000.

Which vaccines are available in the UAE?

Five vaccines are available in the UAE. Sinopharm, Pfizer-BioNTech, Moderna and Sputnik V are available across the UAE, although the latter is only for emergency use. Oxford-AstraZeneca is also available in Dubai. All are free and administered on a voluntary basis.

Children aged 3-17 can receive the Sinopharm vaccine, following approval from the Ministry of Health.

The vaccines are now available to all with authorities encouraging residents and Emiratis to book appointments at any of the hundreds of vaccination locations nationwide.

People who received their second dose of a coronavirus vaccine at least six months ago can book a booster shot.

What if I cannot be vaccinated?

Then you need to obtain an exemption from the Ministry of Health and Prevention. There are six types of people who qualify for vaccine exemption:

  • Current Covid-19 patients
  • Children under 12 years old
  • Women who are pregnant
  • People who were previously infected, confirmed by a medical evaluation
  • People who were vaccinated outside of the country
  • Those who are allergic to vaccines or any of the ingredients, as well as people who are suffering from conditions that may “conflict with the vaccine,” to be determined by a doctor

To apply for an exemption, visit the Ministry of Health and Prevention website and fill out the exemption form. You will require your Emirates ID number.

Once completed the report will be submitted for approval.

The applicant will be informed via message whether the application is successful or has been rejected.

If it is successful it will automatically show in the Al Hosn app.

Residents and tourists can also download and use the Al Hosn app to prove their vaccinated status, or show the electronic certificate on their smartphone.

What needs to be done if travelling abroad?

If travelling from the UAE, passengers must check the requirements of the country they are travelling to because these change frequently. When travelling from Dubai with Emirates, a PCR test prior to departure is not needed, unless the destination requires it.

When travelling from Abu Dhabi with Etihad, a PCR test is mandatory before departure, regardless of the destination. This will need to be carried out between 48, 72 or 96 hours ahead of flight departure time depending on the destination.

The test result should be in the language mandated by the government of the destination country. The result must be printed out and presented at check-in. A medical certificate or other relevant document, clearly stating the type of test and the result, must also be presented at check-in.

An Emirates staff member assists a passenger at Dubai International Airport.
An Emirates staff member assists a passenger at Dubai International Airport.

Are tourists allowed in the UAE?

Yes. Dubai was among the first global destinations to reopen in July, with stringent safety measures in place. A negative PCR test result, received within 72 hours from the scheduled flight departure time, is required to enter Dubai for tourists from all countries. Visitors from some countries will be tested again on arrival.

Abu Dhabi is also welcoming international tourists to the capital. Travellers will need to present a negative PCR test result received within 96 hours of their scheduled departure, as previously stated. They must undergo a second PCR test on landing in Abu Dhabi and download the Al Hosn app.

Quarantine was removed for vaccinated people travelling to Abu Dhabi, as well as for unvaccinated individuals arriving from a green list country. They are instead required to undergo PCR tests, without quarantine.

Abu Dhabi's latest green list can be found here.

How can a tourist verify their international vaccination certificates to enter Abu Dhabi?

Tourists visiting Abu Dhabi must download the Al Hosn app on landing as a “green status” is required to enter some public places in the emirate from August 20.

Before departure, visitors must register in the Register Arrivals section of the Federal Authority for Identity and Citizenship (ICA) app. This process requires the visitor to upload an international vaccination certificate. Once complete, visitors will receive an SMS that includes a link to download Al Hosn app.

On arrival to Abu Dhabi, visitors and tourists will be given a Unified Identification Number (UID) either at the airport or through the ICA app. This number will need to be entered into the Al Hosn app to successfully download it, as well as the phone number used for ICA registration or when taking a PCR test in the UAE.

Visitors also will be sent a one-time password (OTP) to complete the Al Hosn app registration. The app allows its user to check their status, vaccination information, test results and travel testing requirements. The app also provides a live QR code.

Dubai Rugby Sevens, December 5 -7

World Sevens Series Pools

A – Fiji, France, Argentina, Japan

B – United States, Australia, Scotland, Ireland

C – New Zealand, Samoa, Canada, Wales

D – South Africa, England, Spain, Kenya

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Have you been targeted?

Tuan Phan of SimplyFI.org lists five signs you have been mis-sold to:

1. Your pension fund has been placed inside an offshore insurance wrapper with a hefty upfront commission.

2. The money has been transferred into a structured note. These products have high upfront, recurring commission and should never be in a pension account.

3. You have also been sold investment funds with an upfront initial charge of around 5 per cent. ETFs, for example, have no upfront charges.

4. The adviser charges a 1 per cent charge for managing your assets. They are being paid for doing nothing. They have already claimed massive amounts in hidden upfront commission.

5. Total annual management cost for your pension account is 2 per cent or more, including platform, underlying fund and advice charges.

If you go

The flights
Emirates and Etihad fly direct to Nairobi, with fares starting from Dh1,695. The resort can be reached from Nairobi via a 35-minute flight from Wilson Airport or Jomo Kenyatta International Airport, or by road, which takes at least three hours.

The rooms
Rooms at Fairmont Mount Kenya range from Dh1,870 per night for a deluxe room to Dh11,000 per night for the William Holden Cottage.

About Takalam

Date started: early 2020

Founders: Khawla Hammad and Inas Abu Shashieh

Based: Abu Dhabi

Sector: HealthTech and wellness

Number of staff: 4

Funding to date: Bootstrapped

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Specs

Engine: Duel electric motors
Power: 659hp
Torque: 1075Nm
On sale: Available for pre-order now
Price: On request

THE SPECS

      

 

Engine: 1.5-litre

 

Transmission: 6-speed automatic

 

Power: 110 horsepower 

 

Torque: 147Nm 

 

Price: From Dh59,700 

 

On sale: now  

 
Plan to boost public schools

A major shake-up of government-run schools was rolled out across the country in 2017. Known as the Emirati School Model, it placed more emphasis on maths and science while also adding practical skills to the curriculum.

It was accompanied by the promise of a Dh5 billion investment, over six years, to pay for state-of-the-art infrastructure improvements.

Aspects of the school model will be extended to international private schools, the education minister has previously suggested.

Recent developments have also included the introduction of moral education - which public and private schools both must teach - along with reform of the exams system and tougher teacher licensing requirements.

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THE BIO

Age: 30

Favourite book: The Power of Habit

Favourite quote: "The world is full of good people, if you cannot find one, be one"

Favourite exercise: The snatch

Favourite colour: Blue

THE 12 BREAKAWAY CLUBS

England

Arsenal, Chelsea, Liverpool, Manchester City, Manchester United, Tottenham Hotspur

Italy
AC Milan, Inter Milan, Juventus

Spain
Atletico Madrid, Barcelona, Real Madrid

Labour dispute

The insured employee may still file an ILOE claim even if a labour dispute is ongoing post termination, but the insurer may suspend or reject payment, until the courts resolve the dispute, especially if the reason for termination is contested. The outcome of the labour court proceedings can directly affect eligibility.


- Abdullah Ishnaneh, Partner, BSA Law 

Countries recognising Palestine

France, UK, Canada, Australia, Portugal, Belgium, Malta, Luxembourg, San Marino and Andorra

 

The smuggler

Eldarir had arrived at JFK in January 2020 with three suitcases, containing goods he valued at $300, when he was directed to a search area.
Officers found 41 gold artefacts among the bags, including amulets from a funerary set which prepared the deceased for the afterlife.
Also found was a cartouche of a Ptolemaic king on a relief that was originally part of a royal building or temple. 
The largest single group of items found in Eldarir’s cases were 400 shabtis, or figurines.

Khouli conviction

Khouli smuggled items into the US by making false declarations to customs about the country of origin and value of the items.
According to Immigration and Customs Enforcement, he provided “false provenances which stated that [two] Egyptian antiquities were part of a collection assembled by Khouli's father in Israel in the 1960s” when in fact “Khouli acquired the Egyptian antiquities from other dealers”.
He was sentenced to one year of probation, six months of home confinement and 200 hours of community service in 2012 after admitting buying and smuggling Egyptian antiquities, including coffins, funerary boats and limestone figures.

For sale

A number of other items said to come from the collection of Ezeldeen Taha Eldarir are currently or recently for sale.
Their provenance is described in near identical terms as the British Museum shabti: bought from Salahaddin Sirmali, "authenticated and appraised" by Hossen Rashed, then imported to the US in 1948.

- An Egyptian Mummy mask dating from 700BC-30BC, is on offer for £11,807 ($15,275) online by a seller in Mexico

- A coffin lid dating back to 664BC-332BC was offered for sale by a Colorado-based art dealer, with a starting price of $65,000

- A shabti that was on sale through a Chicago-based coin dealer, dating from 1567BC-1085BC, is up for $1,950

How to help

Send “thenational” to the following numbers or call the hotline on: 0502955999
2289 – Dh10
2252 – Dh 50
6025 – Dh20
6027 – Dh 100
6026 – Dh 200

Financial considerations before buying a property

Buyers should try to pay as much in cash as possible for a property, limiting the mortgage value to as little as they can afford. This means they not only pay less in interest but their monthly costs are also reduced. Ideally, the monthly mortgage payment should not exceed 20 per cent of the purchaser’s total household income, says Carol Glynn, founder of Conscious Finance Coaching.

“If it’s a rental property, plan for the property to have periods when it does not have a tenant. Ensure you have enough cash set aside to pay the mortgage and other costs during these periods, ideally at least six months,” she says. 

Also, shop around for the best mortgage interest rate. Understand the terms and conditions, especially what happens after any introductory periods, Ms Glynn adds.

Using a good mortgage broker is worth the investment to obtain the best rate available for a buyer’s needs and circumstances. A good mortgage broker will help the buyer understand the terms and conditions of the mortgage and make the purchasing process efficient and easier. 

Crazy Rich Asians

Director: Jon M Chu

Starring: Constance Wu, Henry Golding, Michelle Yeon, Gemma Chan

Four stars

Sinopharm vaccine explained

The Sinopharm vaccine was created using techniques that have been around for decades. 

“This is an inactivated vaccine. Simply what it means is that the virus is taken, cultured and inactivated," said Dr Nawal Al Kaabi, chair of the UAE's National Covid-19 Clinical Management Committee.

"What is left is a skeleton of the virus so it looks like a virus, but it is not live."

This is then injected into the body.

"The body will recognise it and form antibodies but because it is inactive, we will need more than one dose. The body will not develop immunity with one dose," she said.

"You have to be exposed more than one time to what we call the antigen."

The vaccine should offer protection for at least months, but no one knows how long beyond that.

Dr Al Kaabi said early vaccine volunteers in China were given shots last spring and still have antibodies today.

“Since it is inactivated, it will not last forever," she said.

LIVING IN...

This article is part of a guide on where to live in the UAE. Our reporters will profile some of the country’s most desirable districts, provide an estimate of rental prices and introduce you to some of the residents who call each area home.

Generational responses to the pandemic

Devesh Mamtani from Century Financial believes the cash-hoarding tendency of each generation is influenced by what stage of the employment cycle they are in. He offers the following insights:

Baby boomers (those born before 1964): Owing to market uncertainty and the need to survive amid competition, many in this generation are looking for options to hoard more cash and increase their overall savings/investments towards risk-free assets.

Generation X (born between 1965 and 1980): Gen X is currently in its prime working years. With their personal and family finances taking a hit, Generation X is looking at multiple options, including taking out short-term loan facilities with competitive interest rates instead of dipping into their savings account.

Millennials (born between 1981 and 1996): This market situation is giving them a valuable lesson about investing early. Many millennials who had previously not saved or invested are looking to start doing so now.

if you go

The flights Fly Dubai, Air Arabia, Emirates, Etihad, and Royal Jordanian all offer direct, three-and-a-half-hour flights from the UAE to the Jordanian capital Amman. Alternatively, from June Fly Dubai will offer a new direct service from Dubai to Aqaba in the south of the country. See the airlines’ respective sites for varying prices or search on reliable price-comparison site Skyscanner.

The trip 

Jamie Lafferty was a guest of the Jordan Tourist Board. For more information on adventure tourism in Jordan see Visit Jordan. A number of new and established tour companies offer the chance to go caving, rock-climbing, canyoning, and mountaineering in Jordan. Prices vary depending on how many activities you want to do and how many days you plan to stay in the country. Among the leaders are Terhaal, who offer a two-day canyoning trip from Dh845 per person. If you really want to push your limits, contact the Stronger Team. For a more trek-focused trip, KE Adventure offers an eight-day trip from Dh5,300 per person.

Meydan racecard:

6.30pm: Handicap | US$135,000 (Dirt) | 1,400 metres

7.05pm: Handicap | $135,000 (Turf) | 1,200m

7.40pm: Dubai Millennium Stakes | Group 3 | $200,000 (T) | 2,000m

8.15pm: UAE Oaks | Group 3 | $250,000 (D) | 1,900m

8.50pm: Zabeel Mile | Group 2 | $250,000 (T) | 1,600m

9.20pm: Handicap | $135,000 (T) | 1,600m

Company profile

Name: Steppi

Founders: Joe Franklin and Milos Savic

Launched: February 2020

Size: 10,000 users by the end of July and a goal of 200,000 users by the end of the year

Employees: Five

Based: Jumeirah Lakes Towers, Dubai

Financing stage: Two seed rounds – the first sourced from angel investors and the founders' personal savings

Second round raised Dh720,000 from silent investors in June this year

Hydrogen: Market potential

Hydrogen has an estimated $11 trillion market potential, according to Bank of America Securities and is expected to generate $2.5tn in direct revenues and $11tn of indirect infrastructure by 2050 as its production increases six-fold.

"We believe we are reaching the point of harnessing the element that comprises 90 per cent of the universe, effectively and economically,” the bank said in a recent report.

Falling costs of renewable energy and electrolysers used in green hydrogen production is one of the main catalysts for the increasingly bullish sentiment over the element.

The cost of electrolysers used in green hydrogen production has halved over the last five years and will fall to 60 to 90 per cent by the end of the decade, acceding to Haim Israel, equity strategist at Merrill Lynch. A global focus on decarbonisation and sustainability is also a big driver in its development.

Types of fraud

Phishing: Fraudsters send an unsolicited email that appears to be from a financial institution or online retailer. The hoax email requests that you provide sensitive information, often by clicking on to a link leading to a fake website.

Smishing: The SMS equivalent of phishing. Fraudsters falsify the telephone number through “text spoofing,” so that it appears to be a genuine text from the bank.

Vishing: The telephone equivalent of phishing and smishing. Fraudsters may pose as bank staff, police or government officials. They may persuade the consumer to transfer money or divulge personal information.

SIM swap: Fraudsters duplicate the SIM of your mobile number without your knowledge or authorisation, allowing them to conduct financial transactions with your bank.

Identity theft: Someone illegally obtains your confidential information, through various ways, such as theft of your wallet, bank and utility bill statements, computer intrusion and social networks.

Prize scams: Fraudsters claiming to be authorised representatives from well-known organisations (such as Etisalat, du, Dubai Shopping Festival, Expo2020, Lulu Hypermarket etc) contact victims to tell them they have won a cash prize and request them to share confidential banking details to transfer the prize money.

* Nada El Sawy

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Tips on buying property during a pandemic

Islay Robinson, group chief executive of mortgage broker Enness Global, offers his advice on buying property in today's market.

While many have been quick to call a market collapse, this simply isn’t what we’re seeing on the ground. Many pockets of the global property market, including London and the UAE, continue to be compelling locations to invest in real estate.

While an air of uncertainty remains, the outlook is far better than anyone could have predicted. However, it is still important to consider the wider threat posed by Covid-19 when buying bricks and mortar. 

Anything with outside space, gardens and private entrances is a must and these property features will see your investment keep its value should the pandemic drag on. In contrast, flats and particularly high-rise developments are falling in popularity and investors should avoid them at all costs.

Attractive investment property can be hard to find amid strong demand and heightened buyer activity. When you do find one, be prepared to move hard and fast to secure it. If you have your finances in order, this shouldn’t be an issue.

Lenders continue to lend and rates remain at an all-time low, so utilise this. There is no point in tying up cash when you can keep this liquidity to maximise other opportunities. 

Keep your head and, as always when investing, take the long-term view. External factors such as coronavirus or Brexit will present challenges in the short-term, but the long-term outlook remains strong. 

Finally, keep an eye on your currency. Whenever currency fluctuations favour foreign buyers, you can bet that demand will increase, as they act to secure what is essentially a discounted property.

Living in...

This article is part of a guide on where to live in the UAE. Our reporters will profile some of the country’s most desirable districts, provide an estimate of rental prices and introduce you to some of the residents who call each area home.

Citizenship-by-investment programmes

United Kingdom

The UK offers three programmes for residency. The UK Overseas Business Representative Visa lets you open an overseas branch office of your existing company in the country at no extra investment. For the UK Tier 1 Innovator Visa, you are required to invest £50,000 (Dh238,000) into a business. You can also get a UK Tier 1 Investor Visa if you invest £2 million, £5m or £10m (the higher the investment, the sooner you obtain your permanent residency).

All UK residency visas get approved in 90 to 120 days and are valid for 3 years. After 3 years, the applicant can apply for extension of another 2 years. Once they have lived in the UK for a minimum of 6 months every year, they are eligible to apply for permanent residency (called Indefinite Leave to Remain). After one year of ILR, the applicant can apply for UK passport.

The Caribbean

Depending on the country, the investment amount starts from $100,000 (Dh367,250) and can go up to $400,000 in real estate. From the date of purchase, it will take between four to five months to receive a passport. 

Portugal

The investment amount ranges from €350,000 to €500,000 (Dh1.5m to Dh2.16m) in real estate. From the date of purchase, it will take a maximum of six months to receive a Golden Visa. Applicants can apply for permanent residency after five years and Portuguese citizenship after six years.

“Among European countries with residency programmes, Portugal has been the most popular because it offers the most cost-effective programme to eventually acquire citizenship of the European Union without ever residing in Portugal,” states Veronica Cotdemiey of Citizenship Invest.

Greece

The real estate investment threshold to acquire residency for Greece is €250,000, making it the cheapest real estate residency visa scheme in Europe. You can apply for residency in four months and citizenship after seven years.

Spain

The real estate investment threshold to acquire residency for Spain is €500,000. You can apply for permanent residency after five years and citizenship after 10 years. It is not necessary to live in Spain to retain and renew the residency visa permit.

Cyprus

Cyprus offers the quickest route to citizenship of a European country in only six months. An investment of €2m in real estate is required, making it the highest priced programme in Europe.

Malta

The Malta citizenship by investment programme is lengthy and investors are required to contribute sums as donations to the Maltese government. The applicant must either contribute at least €650,000 to the National Development & Social Fund. Spouses and children are required to contribute €25,000; unmarried children between 18 and 25 and dependent parents must contribute €50,000 each.

The second step is to make an investment in property of at least €350,000 or enter a property rental contract for at least €16,000 per annum for five years. The third step is to invest at least €150,000 in bonds or shares approved by the Maltese government to be kept for at least five years.

Candidates must commit to a minimum physical presence in Malta before citizenship is granted. While you get residency in two months, you can apply for citizenship after a year.

Egypt 

A one-year residency permit can be bought if you purchase property in Egypt worth $100,000. A three-year residency is available for those who invest $200,000 in property, and five years for those who purchase property worth $400,000.

Source: Citizenship Invest and Aqua Properties

Ziina users can donate to relief efforts in Beirut

Ziina users will be able to use the app to help relief efforts in Beirut, which has been left reeling after an August blast caused an estimated $15 billion in damage and left thousands homeless. Ziina has partnered with the United Nations High Commissioner for Refugees to raise money for the Lebanese capital, co-founder Faisal Toukan says. “As of October 1, the UNHCR has the first certified badge on Ziina and is automatically part of user's top friends' list during this campaign. Users can now donate any amount to the Beirut relief with two clicks. The money raised will go towards rebuilding houses for the families that were impacted by the explosion.”