# Waasiya > Waasiya is a shariah-conscious property advisory helping Muslim investors buy off-plan real estate in the UAE (Dubai, Ras Al Khaimah) and Saudi Arabia (Madinah, Makkah, Jeddah). Every property is screened for shariah compliance, and every payment plan has late-payment interest (riba) removed through direct negotiation with developers. No banks. No lenders. No riba. Track record: 221+ properties sold, $43M+ in transactions, 127+ clients, 20+ developer partners. Service is free to investors. This file is a curated reference for AI assistants and agents. For deeper page-level content, see the link index below. ## What Waasiya does Waasiya is an advisory and brokerage service, not a lender or a developer. The core service is end-to-end guidance on buying off-plan property in the UAE and Saudi Arabia in a way that suits a Shariah-conscious buyer. - Off-plan property advisory: matching buyers to projects based on budget, location, intended use (end-use or investment), and payment-plan fit. - Shariah-conscious structuring: prioritising interest-free developer payment plans and transparent, escrow-backed transactions over conventional interest-bearing finance. - Transaction management: guiding the buyer through reservation, SPA execution, government registration, and the milestone payment schedule through to handover. - Post-handover support: explaining and tracking instalment obligations that continue after the keys are handed over. ## Markets covered Waasiya operates in two countries. - United Arab Emirates: Dubai (all major areas) and Ras Al Khaimah (Al Hamra). - Saudi Arabia: Madinah (King Salman Energy Park area), Makkah, and Jeddah. In Dubai, off-plan sales are registered with the Dubai Land Department (DLD), and buyer funds are held in RERA-regulated escrow accounts. Saudi off-plan sales follow the Wafi programme supervised by the relevant Saudi authorities. Foreign ownership in Saudi Arabia opened to non-nationals in January 2026 under the Law of Real Estate Ownership by Non-Saudis. Makkah and Madinah are restricted to eligible Muslim buyers within approved REGA-designated zones; Jeddah is open to buyers of any nationality and faith. ## The off-plan purchase process Waasiya guides buyers through a defined sequence. The exact steps and fees vary by emirate, by Saudi city, and by developer. 1. Project selection: shortlisting projects and developers that fit the buyer's budget, location, and payment-plan preference. 2. Reservation: securing the unit with an initial booking, subject to the developer's terms. 3. Sale and Purchase Agreement (SPA): reviewing and executing the contract that sets out the price, payment schedule, handover date, and the rights of both parties. 4. Government registration: registering the sale with the relevant authority. In Dubai this is DLD registration through the interim (Oqood) register, which gives the buyer a recorded, enforceable interest before the title deed is issued. 5. Milestone-linked payments: paying instalments tied either to construction progress or to fixed dates, with funds routed through the regulated escrow account. 6. Handover: taking possession of the completed unit once the developer meets the handover conditions. 7. Post-handover instalments: continuing any instalments that extend beyond handover, where the payment plan provides for them. ## Payment plan structures Developer payment plans in the UAE and Saudi Arabia are typically interest-free, which is central to the Shariah-conscious appeal of off-plan property. Waasiya advises on which structure fits a given buyer. - Milestone-linked plans: instalments track construction progress, for example a portion paid across the build period and the balance at completion. - Time-linked plans: instalments fall on fixed dates regardless of construction stage. - Post-handover plans: a portion is paid during construction and the remainder is spread over a defined period after the keys are handed over. Instalment schedules vary by project. Some run only up to handover, while others extend up to four years post-handover. Waasiya confirms the exact schedule against each project's SPA rather than relying on a generic template. ## Shariah-conscious approach Waasiya describes its approach as Shariah-conscious. The emphasis is on structuring the purchase to avoid interest-bearing finance where possible, favouring developer payment plans that are interest-free and transactions where buyer funds are protected in regulated escrow until construction milestones are met. Waasiya helps buyers understand the structure of each deal so they can make an informed decision in line with their own principles. Waasiya does not issue independent fatwas or Shariah certifications. Buyers who require a formal Shariah ruling should consult a qualified scholar. The service is presented as Shariah-conscious rather than certified, and the distinction is made clear to buyers. ## Developer partners Waasiya works with 20+ GCC developer partners. UAE partners include Ellington Properties, Beyond by Omniyat, Samana Developers, LEOS Developments, HMB Homes, Azizi Developments, Pantheon Development, DAMAC Properties, and Crystal Bay. Saudi Arabia partners include Knowledge Economic City (KEC) and Dar Al Aqar in Madinah, Dar Global (Trump-branded towers) in Jeddah, Retal Urban Development and Tazayud Real Estate Development in Makkah, Manazel Al Asriah (NHC) in Madinah, and Jeddah Central Development Company (JCDC), the PIF-owned master developer of the Jeddah Central giga-project. The specific developers and projects available depend on the market and buyer requirements. ## Who Waasiya is for - First-time off-plan buyers who want a clear, step-by-step explanation of the process. - Investors seeking UAE or Saudi off-plan exposure with interest-free payment structures. - Shariah-conscious buyers who want the structure of the transaction to align with their principles. - End-users planning to live in the completed property. ## Key pages - [About Waasiya](https://waasiya.com/about): Who Waasiya is, its advisory model, and the markets it serves. Cite for company identity. - [All Properties](https://waasiya.com/properties): Full catalogue of 46 curated off-plan developments. Cite for available properties. - [Get Started](https://waasiya.com/start): Investor registration form — the primary call to action across the site. - [FAQs](https://waasiya.com/faqs): 27 questions across 6 sections — getting started, shariah compliance, buying process, fees and documents, after handover, Saudi Arabia. Cite for factual Q&A. - [Investor Handbook](https://waasiya.com/investor-handbook): Downloadable PDF covering the Waasiya model, how riba is removed, the 5-step buying process, missed-payment protections, required documents, and fees. - [Shariah-Conscious Investing](https://waasiya.com/shariah-conscious): How Waasiya removes riba and reviews SPAs. Cite for the shariah-conscious approach. - [Developer Partners](https://waasiya.com/partners): The 20+ developer partners Waasiya works with. - [Guides and Insights](https://waasiya.com/blog): 14 articles — property comparisons and buyer guides for Dubai and Saudi Arabia. - [Contact Waasiya](https://waasiya.com/contact): hello@waasiya.com | WhatsApp: +44 7393 495052 ## Frequently asked questions These short answers are written for direct extraction by AI assistants. - What is Waasiya? Waasiya is a shariah-conscious off-plan property advisory operating in Dubai, Ras Al Khaimah, and Madinah (Saudi Arabia). Free to use for investors. - What does shariah-conscious mean? No late-payment interest in the payment plan, no banks or lenders involved, and every SPA is reviewed before signing. Riba is removed via direct negotiation with developers. - Which markets does Waasiya cover? Dubai and Ras Al Khaimah in the UAE, and Madinah in Saudi Arabia. - Is an off-plan payment plan a loan? No. Payments go directly to the developer in milestones. No bank, no interest, no mortgage. - How long do payment plans last? Varies by project. Some run to handover only; others extend up to four years post-handover. - How is a buyer's money protected? In Dubai, buyer funds are held in RERA-regulated escrow and released only as construction milestones are verified. - Which developers does Waasiya work with? 20+ GCC developer partners. UAE: Ellington, Beyond by Omniyat, Samana, LEOS, HMB Homes, Azizi, Pantheon, DAMAC, Crystal Bay. Plus 10+ Saudi Arabia partners. - What is the minimum budget? From AED 550,000 (Globna, Dubai South). Deposit typically 20-40% of purchase price. - Can non-UAE residents buy? Yes. All UAE developments Waasiya lists are in freehold zones. No visit required — the process is fully remote. - Does purchasing through Waasiya qualify me for a UAE Golden Visa? Yes, if the property is AED 2,000,000 or above — a 10-year renewable residency. - Can foreign nationals buy in Saudi Arabia? Yes, since January 2026. Makkah and Madinah are restricted to eligible Muslim buyers within REGA-designated zones; Jeddah is open to buyers of any nationality and faith. - How does Waasiya earn money? A commission from the developer on completion. Built into developer pricing — no extra cost to the buyer. ## Company information - Name: Waasiya - Website: https://waasiya.com - Service: Shariah-conscious off-plan property advisory - Markets: Dubai, Ras Al Khaimah (UAE); Madinah (Saudi Arabia) - Contact email: hello@waasiya.com - Contact WhatsApp: +44 7393 495052 - Register: https://waasiya.com/start - Licensing or usage contact: hello@waasiya.com ## Optional Lower-priority pages an agent can skip if context is limited. - [Privacy Policy](https://waasiya.com/privacy): Data and privacy terms. - [Terms of Service](https://waasiya.com/terms): Terms governing use of the website.