Ajman

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Cost of Living

Sections

1. Types of Housing Available in Ajman

Ajman offers a variety of housing options to suit different budgets and preferences. These include:

a. Apartments

  • Studio Apartments: Ideal for singles or couples, these are compact and affordable.
  • 1-Bedroom Apartments: Suitable for small families or individuals who need more space.
  • 2- and 3-Bedroom Apartments: Popular among families, offering more space and amenities.
  • Luxury Apartments: Found in newer developments, often with modern facilities like gyms, pools, and parking.

b. Villas

  • Standalone Villas: Spacious homes with private gardens, ideal for larger families.
  • Townhouses: Smaller villas, often part of gated communities with shared amenities.
  • Luxury Villas: High-end properties with premium features like private pools and beachfront access.

c. Shared Accommodation

  • Common among single professionals or students, shared housing involves renting a room in a larger apartment or villa.

d. Serviced Apartments

  • Fully furnished apartments with hotel-like services, suitable for short-term stays or those who prefer convenience.

2. Rental Costs in Ajman

Ajman is significantly more affordable than Dubai or Abu Dhabi, making it a popular choice for those seeking cost-effective housing. Below are approximate rental costs as of 2023:

a. Apartments

  • Studio Apartments: AED 12,000–20,000 per year
  • 1-Bedroom Apartments: AED 18,000–30,000 per year
  • 2-Bedroom Apartments: AED 25,000–45,000 per year
  • 3-Bedroom Apartments: AED 40,000–60,000 per year

b. Villas

  • 2-Bedroom Villas: AED 40,000–60,000 per year
  • 3-Bedroom Villas: AED 60,000–90,000 per year
  • 4-Bedroom Villas and Larger: AED 90,000–150,000+ per year

c. Shared Accommodation

  • Single Room in a Shared Apartment: AED 1,000–2,500 per month
  • Bed Space in a Shared Room: AED 500–1,000 per month

d. Serviced Apartments

  • Studio Serviced Apartments: AED 3,000–5,000 per month
  • 1-Bedroom Serviced Apartments: AED 5,000–8,000 per month

3. Additional Costs

When renting a property in Ajman, you should budget for the following additional costs:

a. Utilities

  • Electricity and Water: Managed by the Federal Electricity and Water Authority (FEWA). Costs depend on usage but typically range from AED 300–800 per month for apartments and AED 800–2,000 per month for villas.
  • Air Conditioning (Chiller Fees): In some buildings, air conditioning is billed separately and can cost AED 200–500 per month.

b. Internet and TV

  • Internet and TV packages from providers like Etisalat or du cost around AED 300–500 per month.

c. Maintenance Fees

  • In most cases, landlords cover major maintenance, but tenants may be responsible for minor repairs. Clarify this in the rental agreement.

d. Security Deposit

  • Typically one month’s rent, refundable at the end of the lease if no damages are incurred.

e. Agency Fees

  • If you use a real estate agent, expect to pay a commission of 5% of the annual rent.

f. Ejari Registration

  • While Ejari (tenancy contract registration) is mandatory in Dubai, Ajman has its own tenancy registration system. Fees are minimal, around AED 200–500.

4. The Process of Renting a Property in Ajman

Renting a property in Ajman is straightforward but involves several steps:

a. Search for Properties

  • Use online platforms like Bayut, Dubizzle, or Property Finder.
  • Alternatively, visit local real estate agencies for assistance.

b. View the Property

  • Schedule a visit to inspect the property. Check for maintenance issues, parking availability, and proximity to amenities like schools, supermarkets, and public transport.

c. Negotiate the Rent

  • Rent is often negotiable, especially for long-term leases or if the property has been vacant for a while.

d. Sign the Tenancy Contract

  • The contract should clearly outline the rent, payment terms, maintenance responsibilities, and other conditions.
  • Ensure the contract is written in both English and Arabic.

e. Payment Terms

  • Rent is typically paid in post-dated cheques, with 1–4 cheques being the most common arrangement. Some landlords may accept monthly payments, but this is less common.

f. Register the Tenancy

  • Register the tenancy contract with the Ajman Municipality or the relevant authority. This is essential for legal protection and utility connections.

g. Set Up Utilities

  • Apply for FEWA services for electricity and water. You’ll need your tenancy contract, Emirates ID, and passport copy.

5. Cultural and Procedural Considerations

When renting in Ajman, keep the following in mind:

a. Family-Only Buildings

  • Some residential buildings are designated as "family-only," meaning single men or women may not be allowed to rent there. Always confirm this with the landlord or agent.

b. Respect for Local Customs

  • Ajman is more conservative than Dubai. Dress modestly and respect local customs, especially in family-oriented neighborhoods.

c. Noise Restrictions

  • Be mindful of noise levels, particularly in residential areas. Loud parties or disturbances may lead to complaints.

d. Security and Safety

  • Ajman is generally safe, but ensure your property has proper security measures like CCTV and secure access.

e. Pet Policies

  • Not all landlords allow pets. If you have pets, confirm this before signing the lease.

f. Subletting

  • Subletting is generally not allowed unless explicitly stated in the tenancy contract.

6. Tips for Finding Affordable Housing in Ajman

  • Look Beyond the City Center: Areas like Al Nuaimiya, Al Rashidiya, and Al Jurf offer more affordable options.
  • Consider Older Buildings: While newer developments have modern amenities, older buildings often have lower rents.
  • Negotiate: Landlords are often open to negotiation, especially for long-term leases.
  • Use Trusted Agents: Work with licensed real estate agents to avoid scams.

Conclusion

Ajman offers a wide range of housing options at competitive prices, making it an attractive destination for expatriates and families. By understanding the rental process, associated costs, and cultural considerations, you can find a home that suits your needs and budget. Whether you’re looking for a cozy studio or a spacious villa, Ajman provides excellent value for money while maintaining a high standard of living.