FIRST TIME HOME BUYERS IN DUBAI | STRAIGHT TALK EP 04

In this important episode of Straight Talk, Nafisa Kopcic sits down with Cameron Deggin to break down Dubai’s brand-new First Time Homebuyer Program — a government-backed initiative designed to help residents transition from renting to owning.

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Straight Talk airs on the Place Overseas YouTube channel. Hosted by journalist Nafisa Kopcic and Cameron Deggin, founder of Place Overseas, the show cuts through the noise and explains what really matters — in a simple, honest, and conversational way.

0:00 – Intro
0:24 – Who is this episode for?
0:50 – The new First Time Homebuyer Program explained
1:35 – Eligibility: who qualifies and why
2:30 – Priority access, pricing, and developer partnerships
3:37 – What “pre-launch” really means (and why it's risky)
6:00 – Off-plan vs ready homes for first-time buyers
8:23 – Why pre-launch prices are usually restricted to insiders
9:28 – How developers will allocate units to first-time residents
10:38 – How Place Overseas can guide buyers
12:01 – Hidden costs: 4% fee, service charges, commissions
13:05 – Mortgage structure: the 25-year tailored repayment model
14:20 – Fixed vs variable rates, and UAE interest trends
16:07 – Risks for first-time homebuyers
17:15 – Income planning: don’t overstretch your lifestyle
18:12 – The “7% rule” every buyer must budget for
20:35 – Understanding interest rate volatility
21:43 – Investor angle: What this program means for YOU
22:41 – Dubai’s population targets: 7–8 million
23:27 – Where families will live — the KEY to exit strategy
24:42 – Cameron’s three pillars: buy low, earn stable, EXIT well
26:51 – Why vision + understanding future trends is everything
27:23 – Closing thoughts from Nafisa
28:03 – Outro

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