AED 4,000,000 for the waterway
Aldar lists a five bedroom at Yas Riva Reserve from AED 9,300,000 inland and AED 13,300,000 on the waterway, still to be released and on a smaller plot.
Same developer, same bedrooms, same launch

Our list, counted on 28 September 2026
AED 8,190,000 to 22,000,000 on our list. The beach and the waterway set the top.
Hudayriyat, Saadiyat, Yas and Ramhan hold every villa we list above AED 7 million. Eleven of the twelve are contracts sold on before handover; one is finished.
The top of the villa market
Read on 28 September 2026 from the villas we list above AED 7 million and from the developers' own price lists. One sale or one new release changes a line.
What sets the price
Three checks on our own list and on Aldar's price lists. Each shows a villa priced for where it stands, while one more bedroom moves the figure far less.
Aldar lists a five bedroom at Yas Riva Reserve from AED 9,300,000 inland and AED 13,300,000 on the waterway, still to be released and on a smaller plot.
Same developer, same bedrooms, same launch
Nawayef West on Hudayriyat asks AED 22,000,000 and a beachfront villa on Ramhan AED 15,000,000. Our other ten ask AED 8,190,000 to 13,000,000.
Both are contracts sold on before handover
At Al Naseem a six bedroom asks AED 10,500,000, below the AED 11,000,000 asked for a five bedroom at Saadiyat Lagoons.
Our four 4 bedroom villas sit within AED 60,000 of each other
Where the money goes
Four islands hold every villa we list above AED 7 million. Each row gives our count, the lowest price listed or at launch and, where a developer publishes sizes, what a square foot costs.
FromAED 8,190,0006 listed, all contracts
Al Naseem from AED 8,190,000, Nawayef West at AED 22,000,000. Wadeem Gardens: AED 1,858 a sq ft of home, five bedrooms.
FromAED 8,200,0003 listed, all contracts
Our three sit at Saadiyat Lagoons. Talay launches from AED 13,500,000, and Aldar has published no sizes for it.
FromAED 7,900,0002 listed, 1 finished
Five bedrooms at Yas Riva Reserve: AED 1,793 a sq ft of home and 1,043 of plot inland, 2,238 and 1,541 on the waterway.
FromAED 13,500,0001 listed, a contract
Infinity Villas from AED 13,500,000 for three bedrooms in our catalogue. Our beachfront resale asks AED 15,000,000.
Rates divide a developer's starting price by its published average size. Our listings record house and plot inconsistently, so we do not divide their prices.
Listed with us
Six villas across the four islands, finished and still being built. Open a card for the full listing, then ask us for the payment plan and the handover date.
AED 22,000,0005 bed · 11,993 sq ft
Nawayef West, Al Hudayriat Island
View
AED 15,000,000
AED 11,000,000
AED 10,900,000
AED 9,400,000
AED 8,190,000Launched and finished
Four launches, one on each island, then HIDD Al Saadiyat, finished on the beach, and Faya Al Saadiyat, where the eight bedroom mansions carry no public price.
By bedrooms
The count is our own list. Price and home size come from the two newest launches that publish both, Yas Riva Reserve and Wadeem Gardens, so each row compares like with like.
| Size | Listed with us | From, newest launches | Home size published |
|---|---|---|---|
| 4 bedroomsYas Riva Reserve, on a 7,653 sq ft plot. Wadeem Gardens: AED 8,700,000 on a 5,726 sq ft plot. | 4 | AED 7,900,000 | 4,628 to 4,704 sq ft |
| 5 bedroomsYas Riva Reserve inland. Its waterway five bedroom, still to be released: AED 13,300,000. | 6 | AED 9,300,000 | 5,188 to 5,942 sq ft |
| 6 bedroomsYas Riva Reserve inland, waterway AED 14,500,000 when released. Wadeem Gardens: AED 11,600,000. | 2 | AED 10,500,000 | 5,791 to 6,555 sq ft |
| 7 and 8 bedroomsFaya Al Saadiyat, all sold or reserved. HIDD's finished seven bedroom: AED 25,000,000. | None | No price published | 20,724 to 55,146 sq ft |
Finished or contract
At this level most villas change hands before they are built, so the real choice is an owner's house, a first buyer's contract or the next launch.
| A finished villa or a contract, above AED 7 million | Finished villa | Contract or launch |
|---|---|---|
| On our list today | 1 villa, at West Yas, AED 9,400,000 | 11 contracts, AED 8,190,000 to 22,000,000 |
| Who sells | An owner in a finished community | A first buyer, or the developer at launch |
| How far built | Built and lived in | Al Naseem 40.62%, Yas Riva 13.59% on ADREC's register |
| Keys | At transfer | Al Naseem's first phase Q4 2027, launches Q4 2029 to Q2 2031 |
| Most a bank lends | 70% to an expatriate's first home above AED 5 million | 50% until the villa is finished, whoever buys |
| What you inspect | The house, the garden and the view | The plans, the plot position and the build |
Keys sooner? Modon gives Q4 2027 for Al Naseem's first phase, where four of our contracts sit. Keys later? The launches spread the price to handovers from Q4 2029 to Q2 2031.
The cash you need
Above AED 5 million the Central Bank raises the Down Payment, and while a villa is being built it caps any loan at half. DARI's 2% sits on top of every price here.
| Cost | Amount | Notes |
|---|---|---|
| DARI registration fee | 2% of the price | All four islands sit outside ADGM, so the buyer pays it: AED 188,000 on an AED 9,400,000 villa. |
| Down Payment, finished villa | At least 30% | Central Bank rule for an expatriate's first home. UAE nationals: 25%. |
| Down Payment, still being built | At least 50% | A bank may lend no more than half the value of an off plan villa, whoever the buyer is. |
| Second home or investment | At least 40%, 35% for nationals | The loan cap is 60% for an expatriate and 65% for a UAE national, at any price. |
| Paid before the keys at launch | 25% to 50% of the price | 25% at Wadeem Gardens, 50% at Talay, Yas Riva Reserve and Infinity Villas. |
A first home loan on the finished West Yas villa at AED 9,400,000 leaves AED 3,008,000 to pay: the 30% Down Payment, AED 2,820,000, and DARI's AED 188,000. Borrow on the Yas Riva contract at AED 10,900,000 and at least AED 5,450,000 stays yours until the keys.
Rules from the Central Bank's mortgage regulations, Article 3, and DARI's 2% fee, read on 28 September 2026. A bank may ask for more than the minimum.
Monthly repayments
The slider opens at a 30% Down Payment because every villa here is priced above AED 5 million, where the Central Bank's minimum for an expatriate's first home rises from 20%.
Monthly repaymentAED 41,335
An estimate on the figures you set. The Central Bank allows a term of up to 25 years; put your lender's written rate and Down Payment in here.
Find your villa
Three answers: the setting, the bedrooms and how you want to buy. The tool names a villa we list or a community, with its price today.
Three answers, one villa or community
Matched to the prices, settings and dates on this page.
Start with
SDIC's finished community keeps seven kilometres of private beachfront for residents, with a 175 berth marina. Four to seven bedrooms, from AED 8,500,000 in our catalogue, sold by owners.
See HIDD Al SaadiyatBuilt on our list and the developers' releases of 28 September 2026, so a single sale can change the answer.
A starting point, not a reservation. Contracts and launches move quickly at this level, so ask what is still available before you book a viewing.
Who it suits
The same budget leads to a different island depending on what the buyer puts first. Four common starting points, each matched to a villa or a launch on this page.
West Yas is the one finished villa we list above AED 7 million. HIDD Al Saadiyat is finished too, with its private beach, and sells only through owners.
1 finished villa among our 12
Nawayef West and the Ramhan beachfront villa top our list. For a launch, Talay Beach sits closer to the shore at Marsa Al Saadiyat, with keys in Q2 2031.
AED 22,000,000 and 15,000,000 on our list
At Yas Riva Reserve, Aldar gives 45 waterway homes room for a pontoon. They are still to be released, from AED 13,300,000 for five bedrooms.
Aldar's release of 18 September 2026
Wadeem Gardens asks 25% before the keys and 75% in April 2031. Talay and Yas Riva Reserve split the price 50/50 between the build and handover.
A 5% Down Payment reserves at Wadeem Gardens
How to buy
The order is the same for a contract, a launch or a finished house. Every fee and limit below is DARI's or the Central Bank's.
Beach, waterway or park: at this level the setting moves the price more than a bedroom does.
On a contract, ask what the first buyer has paid, the next instalment and the handover date. On a finished villa, the title deed.
Above AED 5 million the Down Payment starts at 30%, and at 50% while the villa is still being built.
Pay the 2% fee. A finished villa is yours at transfer; a contract moves into your name until handover.
Keep exploring
Villa pages island by island, the launches named here, homes above AED 10 million of every kind, and the rules on freehold and the Golden Visa.
Luxury villas, answered
Answers from our list and the developers' releases, as read on 28 September 2026.
The 12 villas we list at AED 7 million or more ask AED 8,190,000 to 22,000,000, with AED 10,550,000 in the middle, on 28 September 2026. New launches start at AED 7,900,000 at Yas Riva Reserve and AED 13,500,000 at Talay.
On four islands. We list six on Hudayriyat, three on Saadiyat, two on Yas and one on Ramhan. Each island has a launch at this level too: Wadeem Gardens, Talay, Yas Riva Reserve and Infinity Villas.
A five bedroom at Nawayef West on Hudayriyat Island, at AED 22,000,000, with an infinity pool and a beach view. It is a contract that a first buyer is selling before handover.
Mostly off plan. Eleven of the 12 we list above AED 7 million are contracts sold on before handover. The one finished house is at West Yas, at AED 9,400,000. Finished communities such as HIDD Al Saadiyat sell only through owners.
The Central Bank sets the floor: 30% for an expatriate's first home above AED 5 million, 25% for a UAE national, 40% on a second home, and 50% while the villa is still being built. Add DARI's 2% registration fee. An expatriate buying a finished villa at AED 9,400,000 as a first home needs AED 3,008,000 on the day.
Yes, and the developers price it. At Yas Riva Reserve, Aldar lists a five bedroom from AED 9,300,000 inland and AED 13,300,000 on the waterway, where the homes are still to be released. At Yas Riva, launched across the water in 2024, a canal position added AED 2,400,000 to a five bedroom of almost the same size.
Divide a developer's starting price by its published size. Five bedrooms at Yas Riva Reserve come to about AED 1,793 a sq ft of home inland and AED 2,238 on the waterway; at Wadeem Gardens, about AED 1,858. Aldar's sizes are averages, so read these as a guide.
Yes. Hudayriyat, Saadiyat, Yas and Ramhan are freehold for every nationality, and the title is registered in the buyer's name with DARI. ADREC counts 50 investment zones where any nationality can own freehold.
Every villa on this page is above AED 2 million, the property value u.ae gives for the Golden Visa route for property owners. The term and the conditions are set by ICP, so we confirm what your purchase needs before you reserve.
Four at this level: Talay at Marsa Al Saadiyat from AED 13,500,000 (Aldar, 50/50), Yas Riva Reserve from AED 7,900,000 (Aldar, 50/50), Wadeem Gardens from AED 8,700,000 (Modon, 25/75) and Infinity Villas on Ramhan (Eagle Hills, 10/40/50).
Rarely. HIDD Al Saadiyat's finished seven bedroom is quoted at AED 25,000,000 in our catalogue. Faya Al Saadiyat holds ten seven bedroom villas and two eight bedroom mansions of 55,146 sq ft, all sold or reserved, with no public price. We list none today.
Start with the form or a call to 800 666 888. On a contract we check what the first buyer has paid and what the developer is still owed. On a launch we hold the villa with the developer, and on a finished house we negotiate with the owner through to transfer at DARI.
Get the luxury villa list
Tell us the setting, the bedrooms and when you need the keys. We send the villas and launches that match, with each contract's handover date, or tell you plainly that nothing does yet.
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