The United Arab Emirates (UAE) has long been a global leader in offering social stability, business-friendly conditions, and high living standards. In order to empower its citizens (Emiratis) and assist its diverse resident population (Expats), the UAE government has launched and expanded a number of programs as we approach 2025 under the “Year of Community” concept.
From long-term residency visas to multi-billion dirham housing projects, this guide provides a complete breakdown of the UAE government schemes available in 2025.
1. Residency and Visa Schemes (Expats & Investors)
The UAE has revolutionized its immigration system to attract global talent and provide long-term security to its residents.
The UAE Golden Visa (Expanded 2025)
The Golden Visa remains the crown jewel of UAE residency. It offers a 10-year renewable residency without the need for a local sponsor.
- Property Investors: In 2025, those owning real estate worth AED 327 BN or more can apply. Notably, even mortgaged properties are eligible if the down payment meets specific criteria.
- Exceptional Talents: Doctors, scientists, AI specialists, and top-tier professionals in the creative industry (artists and filmmakers) can secure this visa based on their expertise.
- Outstanding Students: High-achieving students from UAE schools and top 100 global universities are eligible for 10-year residency for themselves and their families.
The Green Visa
Launched for those who want more flexibility, the 5-year Green Visa is designed for:
- Freelancers and Self-Employed: No employer sponsor required.
- Skilled Employees: Requires a valid employment contract and a specific salary threshold (typically AED 15,000+).
Remote Work Visa (Digital Nomad Visa)
The UAE has enhanced the Remote Work Visa in 2025, making it easier for professionals working for companies outside the UAE to live in cities like Dubai and Abu Dhabi while enjoying zero income tax on their foreign earnings.
2. Housing and Community Schemes (Emiratis)
2025 has seen record-breaking investments in the housing sector to ensure every Emirati family has a home.
Sheikh Zayed Housing Programme
This federal program continues to be the primary support system for Emirati housing. In the first three quarters of 2025 alone, over AED 2 billion worth of housing approvals were issued, benefiting thousands of families across the Northern Emirates.
Abu Dhabi Housing Authority (ADHA) Packages
Under the directives of UAE President Sheikh Mohamed bin Zayed Al Nahyan, Abu Dhabi has released multiple housing packages in 2025.
- Loan Exemptions: Low-income retirees and families of deceased citizens are frequently granted exemptions from loan repayments.
- The “Value Housing” Program: A new initiative launched in 2025 by the Department of Municipalities and Transport to provide high-quality, affordable housing units for UAE nationals.
Dubai Social Housing Projects
Dubai has signed agreements in 2025 to deliver over 17,000 affordable housing units specifically for key sector workers and citizens, ensuring that urban development remains inclusive.
3. Employment and Labor Market Schemes
The UAE is focusing heavily on human capital through “Emiratization” and professional development.
The NAFIS Program
NAFIS is a federal program designed to increase the competitiveness of Emirati human resources and encourage them to work in the private sector.
- Salary Support: The government provides a top-up on salaries for Emiratis working in private firms.
- Pension Subsidies: The government bears a portion of the pension contributions for Emirati employees.
- Child Allowance: Emirati parents working in the private sector receive monthly grants per child.
UAE Unemployment Insurance
This mandatory scheme for all employees (Expats and Emiratis) provides a financial safety net. If you lose your job, the scheme provides 60% of your basic salary for up to three months, giving you time to find a new role without financial distress.
4. Business and Entrepreneurship Schemes
The UAE is the startup capital of the Middle East, offering several funding and support mechanisms.
Mohammed Bin Rashid Innovation Fund (MBRIF)
This fund provides up to AED 2 million in interest-free loans and seed financing for innovative startups in sectors like Technology, Health, and Education. It is a non-dilutive capital source, meaning founders keep 100% of their equity.
Khalifa Fund for Enterprise Development
Based in Abu Dhabi, this fund supports Emirati entrepreneurs with:
- Business counseling and mentorship.
- Direct funding for SMEs.
- Exemptions from certain government fees.
5. Education and Healthcare Initiatives
The 2025 budget has prioritized the “Future Skills” of the younger generation.
Zayed Education Foundation
Launched in 2025, this ambitious foundation aims to support 100,000 young talents by 2035. It provides scholarships and training in AI, Renewable Energy, and Space Sciences.
Integration of AI in Schools
The UAE became one of the first countries to make Artificial Intelligence a compulsory subject from Kindergarten to Grade 12 starting in the 2025 academic year.
E-Etmnan Health Scheme
This is a periodic health screening initiative for all citizens and residents, focusing on early detection of chronic diseases like diabetes and heart conditions, often provided at subsidized rates or for free through government health centers.
6. Social Welfare and Inflation Support
To combat global economic shifts, the UAE has implemented “Inflation Allowances.”
- Fuel and Food Allowances: Low-income Emirati families receive monthly subsidies to cover 75% to 85% of the increase in fuel and food prices.
- Electricity & Water Subsidies: Automatic discounts for eligible citizens on their utility bills.
Summary Table: Top UAE Schemes at a Glance
| Scheme Name | Target Audience | Key Benefit |
| Golden Visa | Investors/Talents | 10-year residency |
| NAFIS | Emiratis (Private Sector) | Salary & Pension support |
| Sheikh Zayed Housing | Emirati Citizens | Interest-free home loans |
| MBRIF | Startups/Entrepreneurs | Interest-free loans up to AED 2M |
| Remote Work Visa | Global Professionals | Live in UAE, work anywhere |
| Unemployment Insurance | All Employees | Financial aid during job loss |
Conclusion
The UAE government’s schemes in 2025 reflect a balanced approach: providing a robust safety net for its citizens while offering world-class incentives for expatriates and investors. Whether you are looking to buy a home, start a business, or secure your family’s future with a long-term visa, the UAE’s digital-first government makes these processes seamless through platforms like UAE PASS and the TAM app.
