Saving for a down payment on a property in the UAE can be a challenge but there are various strategies to help you gather the funds. Here are some methods to consider:

1. Early Gratuity Release: Some employers may allow long-term employees to access their end-of-service gratuity early. While not required by law, this option can provide a helpful financial boost. However, it’s up to individual company policies and many employers prefer to follow the standard legal guidelines.

2. High-Interest Savings Accounts: To grow your savings faster, consider placing your funds in a high-interest savings account like those offered by digital banks such as Wio which offers around 4.25% interest.

3. Fractional Ownership & Rent-to-Own: If you're unable to buy an entire property, fractional ownership allows you to invest in a share of a property while rent-to-own schemes give you the option to rent with the eventual goal of purchasing the property.

4. Budgeting and Cutting Expenses: Financial experts like Carol Glynn recommend being intentional with your spending. Small adjustments like reducing dining out can add up over time, helping you save for your down payment.

5. Property Investment Strategies: Start small by investing in more affordable properties like studios or one-bedroom apartments which offer good rental returns. Alternatively, consider buying multiple smaller properties rather than one large one to build a property portfolio over time.

6. Mortgage Pre-Approval: Before purchasing, get pre-approved for a mortgage to determine what you can afford and avoid overspending. A mortgage consultant can help assess your financial situation and guide you on the best options.

7. Co-investing with Friends or Partners: If you're unable to afford a property on your own, consider co-investing with friends or family. This can help you access larger properties or take advantage of attractive off-plan payment plans where you pay in installments during construction.

By exploring these options, prospective buyers can gather the necessary funds for their down payment and navigate the UAE property market more confidently.