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Also define what the 80 m² refers to. Sellers may describe internal floor area, built area or total land area, and those are not interchangeable. Are you flexible on the part of Dubai, and do you have a preferred tenure? Without those two details, it will be difficult to judge whether an asking...

For insurance, don’t stop at the premium. Find out the excess and what events or maintenance issues would not be covered. The policy can reduce some risks, but it shouldn’t be used to justify shrinking the repair reserve.