My Own Home takes you inside a reader-owned property to ask how much they paid, why they decided to buy and what they have done with it since moving in
Punam Bijlani, a plastic and reconstructive surgeon at Al Zahra Hospital, received her UAE golden visa in 2021, inspiring her to buy her first property in Dubai.
She hunted for a while but it wasn’t until she found her three-bedroom, ground-floor apartment in Remraam, Dubailand that she truly fell in love with a place.
She’s lived there for three years with her family and her dog Buddy – her elderly mother visits regularly, too – and has no plans to move anywhere else any time soon.
The National looks around.
Tell us about your home
It's a lovely three-bedroom, ground-floor apartment with four bathrooms and a large terrace and all the rooms open on to the terrace. I get up in the morning and I see my mother sitting in the garden having her tea and I absolutely love that.
It also has a lovely, long kitchen. We are Indian, so I was very sure I didn't want an open kitchen, because our cooking is full of our masalas and I didn't want that to come into the living room. Our kitchen has a section for cooking and another area for washing machines, and so on. We also built a closet here for the brooms and other things you don’t want to be seen.
Why did you decide to buy?
In 2021, all doctors were given golden visas, so once that happened, we thought we could put down some money for the house.
Everybody in our house loves a garden, so I went on a hunt for a ground-floor apartment where everything would be at one level, so my mother didn't have to go up and down, and she wouldn't be isolated in a villa. I just stumbled upon this one and it was beyond my expectations.
How much did you buy it for?
We bought it three years ago, just post Covid-19, and the prices had dipped down. We were really lucky. I bought it for exactly Dh1 million ($270,000). I believe they’re going for Dh1.8 million to Dh1.9 million now.
The rents are also unaffordable now. I’m so glad we bought it when we did. We’ve made Dh800,000 in equity straight off.
Why did you choose this neighbourhood?
The community is so beautifully landscaped. My daughter and I, we both run and have a very active lifestyle, so we were sure we wanted a place where we could run, swim, do sports, and so on.
The thing about this community is there’s always some tree, or another, blossoming every month. At this time of year, we have the jasmine tree which blossoms for about a month, so the community is just filled with such a heady fragrance, especially at night.
When we bought it three years ago, it was all quite quiet and then there was this boom of construction, so I think now we will probably be the centre of Dubai as all the activity moves towards the south.
We have Expo very close to us and now the new airport is moving out there. Etihad Rail is almost ready and I believe one of the stops is going to be really close by.
I think it's got the right balance of quiet and access to all of what will be the major landmarks of Dubai.
What do you have access to?
We have two tennis courts, four swimming pools, basketball courts, football courts and a cricket pitch. You have a beautiful running trail here, which is tree-lined and absolutely stunning.
We also have a highly subsidised gym – you just pay Dh50 a month. You can't go wrong.
We have two parking spots, and because we are the ground floor apartment, near the fire escape exit, we just step out and the cars are just behind. It’s like living in a villa, but you still have that community feel.
When my mother's here, she goes for a walk and everybody knows her. There are also lots of dogs in the community. They've given us a dog park. They've created a skating rink for the skateboarding lovers.
There’s also always something or the other going on, especially these six months, because it's a large community, and there are so many different cultures living here, so we have Diwali celebrations, we have Christmas, we have Halloween and now National Day will be another big celebration.
What renovations have you done?
When I first came, I thought it had everything, so we didn't break it down to its bones or anything. We did add some things here and there, like crown moulding and all the doors were wooden brown, so we had all of that painted white to add some more light.
We redid the bathrooms and converted the baths into walk-in showers, and did all the kitchen cabinets, otherwise it was pretty much how we wanted it.
We also did a really nice garden for my mother. There was nothing here at first. In fact, when things started growing, my neighbours got inspired and now they've also grown lovely gardens. We share a gardener and we've got a little garden group.
We’ve put up ghaf trees so they form a nice barricade, as we want that privacy, but we still have the breeze. I’ve grown a lot of bougainvillaea outside, I grow my own basil, we grow curry leaves and turmeric.
How would you describe your interior design style?
It’s eclectic. It’s a bit colonial, with some modern touches. I'm from India, so we do like our wood. And I'm not too much into the new Ikea-style furniture. I like my furniture a little more solid.
I also like cane and rattan and that kind of stuff, so we've added a lot of that in our house. I paint, so my work is also all over the walls.
We just wanted it to be, most importantly, like home. I wanted everyone to come home and feel comfortable, not having to worry that they don't need to touch this or that. I just want friends and family to come and feel welcomed. This is a warm place.
For how long will you live in this property?
I look at other places and say, 'This is the one'. When I saw it, it was love at first sight. Even though the garden and the terrace was empty, I saw the potential. I knew this garden was going to thrive.
My visa is valid until 2031. I haven't thought that far ahead, but we’ll see. For now, the UAE is home.
The Uefa Awards winners
Uefa Men's Player of the Year: Virgil van Dijk (Liverpool)
Uefa Women's Player of the Year: Lucy Bronze (Lyon)
Best players of the 2018/19 Uefa Champions League
Goalkeeper: Alisson (Liverpool)
Defender: Virgil van Dijk (Liverpool)
Midfielder: Frenkie de Jong (Ajax)
Forward: Lionel Messi (Barcelona)
Uefa President's Award: Eric Cantona
The schedule
December 5 - 23: Shooting competition, Al Dhafra Shooting Club
December 9 - 24: Handicrafts competition, from 4pm until 10pm, Heritage Souq
December 11 - 20: Dates competition, from 4pm
December 12 - 20: Sour milk competition
December 13: Falcon beauty competition
December 14 and 20: Saluki races
December 15: Arabian horse races, from 4pm
December 16 - 19: Falconry competition
December 18: Camel milk competition, from 7.30 - 9.30 am
December 20 and 21: Sheep beauty competition, from 10am
December 22: The best herd of 30 camels
Company%20Profile
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Mercer, the investment consulting arm of US services company Marsh & McLennan, expects its wealth division to at least double its assets under management (AUM) in the Middle East as wealth in the region continues to grow despite economic headwinds, a company official said.
Mercer Wealth, which globally has $160 billion in AUM, plans to boost its AUM in the region to $2-$3bn in the next 2-3 years from the present $1bn, said Yasir AbuShaban, a Dubai-based principal with Mercer Wealth.
“Within the next two to three years, we are looking at reaching $2 to $3 billion as a conservative estimate and we do see an opportunity to do so,” said Mr AbuShaban.
Mercer does not directly make investments, but allocates clients’ money they have discretion to, to professional asset managers. They also provide advice to clients.
“We have buying power. We can negotiate on their (client’s) behalf with asset managers to provide them lower fees than they otherwise would have to get on their own,” he added.
Mercer Wealth’s clients include sovereign wealth funds, family offices, and insurance companies among others.
From its office in Dubai, Mercer also looks after Africa, India and Turkey, where they also see opportunity for growth.
Wealth creation in Middle East and Africa (MEA) grew 8.5 per cent to $8.1 trillion last year from $7.5tn in 2015, higher than last year’s global average of 6 per cent and the second-highest growth in a region after Asia-Pacific which grew 9.9 per cent, according to consultancy Boston Consulting Group (BCG). In the region, where wealth grew just 1.9 per cent in 2015 compared with 2014, a pickup in oil prices has helped in wealth generation.
BCG is forecasting MEA wealth will rise to $12tn by 2021, growing at an annual average of 8 per cent.
Drivers of wealth generation in the region will be split evenly between new wealth creation and growth of performance of existing assets, according to BCG.
Another general trend in the region is clients’ looking for a comprehensive approach to investing, according to Mr AbuShaban.
“Institutional investors or some of the families are seeing a slowdown in the available capital they have to invest and in that sense they are looking at optimizing the way they manage their portfolios and making sure they are not investing haphazardly and different parts of their investment are working together,” said Mr AbuShaban.
Some clients also have a higher appetite for risk, given the low interest-rate environment that does not provide enough yield for some institutional investors. These clients are keen to invest in illiquid assets, such as private equity and infrastructure.
“What we have seen is a desire for higher returns in what has been a low-return environment specifically in various fixed income or bonds,” he said.
“In this environment, we have seen a de facto increase in the risk that clients are taking in things like illiquid investments, private equity investments, infrastructure and private debt, those kind of investments were higher illiquidity results in incrementally higher returns.”
The Abu Dhabi Investment Authority, one of the largest sovereign wealth funds, said in its 2016 report that has gradually increased its exposure in direct private equity and private credit transactions, mainly in Asian markets and especially in China and India. The authority’s private equity department focused on structured equities owing to “their defensive characteristics.”
TV: World Cup Qualifier 2018 matches will be aired on on OSN Sports HD Cricket channel
LOVE%20AGAIN
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Living in...
This article is part of a guide on where to live in the UAE. Our reporters will profile some of the country’s most desirable districts, provide an estimate of rental prices and introduce you to some of the residents who call each area home.
Turkish Ladies
Various artists, Sony Music Turkey
Tips to keep your car cool
- Place a sun reflector in your windshield when not driving
- Park in shaded or covered areas
- Add tint to windows
- Wrap your car to change the exterior colour
- Pick light interiors - choose colours such as beige and cream for seats and dashboard furniture
- Avoid leather interiors as these absorb more heat
Diriyah%20project%20at%20a%20glance
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Timeline
2012-2015
The company offers payments/bribes to win key contracts in the Middle East
May 2017
The UK SFO officially opens investigation into Petrofac’s use of agents, corruption, and potential bribery to secure contracts
September 2021
Petrofac pleads guilty to seven counts of failing to prevent bribery under the UK Bribery Act
October 2021
Court fines Petrofac £77 million for bribery. Former executive receives a two-year suspended sentence
December 2024
Petrofac enters into comprehensive restructuring to strengthen the financial position of the group
May 2025
The High Court of England and Wales approves the company’s restructuring plan
July 2025
The Court of Appeal issues a judgment challenging parts of the restructuring plan
August 2025
Petrofac issues a business update to execute the restructuring and confirms it will appeal the Court of Appeal decision
October 2025
Petrofac loses a major TenneT offshore wind contract worth €13 billion. Holding company files for administration in the UK. Petrofac delisted from the London Stock Exchange
November 2025
180 Petrofac employees laid off in the UAE
'Munich: The Edge of War'
Director: Christian Schwochow
Starring: George MacKay, Jannis Niewohner, Jeremy Irons
Rating: 3/5
Dubai Bling season three
Cast: Loujain Adada, Zeina Khoury, Farhana Bodi, Ebraheem Al Samadi, Mona Kattan, and couples Safa & Fahad Siddiqui and DJ Bliss & Danya Mohammed
Rating: 1/5
Killing of Qassem Suleimani
Avatar: Fire and Ash
Director: James Cameron
Starring: Sam Worthington, Sigourney Weaver, Zoe Saldana
Rating: 4.5/5
UAE currency: the story behind the money in your pockets
LA LIGA FIXTURES
Friday (UAE kick-off times)
Real Sociedad v Leganes (midnight)
Saturday
Alaves v Real Valladolid (4pm)
Valencia v Granada (7pm)
Eibar v Real Madrid (9.30pm)
Barcelona v Celta Vigo (midnight)
Sunday
Real Mallorca v Villarreal (3pm)
Athletic Bilbao v Levante (5pm)
Atletico Madrid v Espanyol (7pm)
Getafe v Osasuna (9.30pm)
Real Betis v Sevilla (midnight)
The biog
Favourite film: The Notebook
Favourite book: What I know for sure by Oprah Winfrey
Favourite quote: “Social equality is the only basis of human happiness” Nelson Madela. Hometown: Emmen, The Netherlands
Favourite activities: Walking on the beach, eating at restaurants and spending time with friends
Job: Founder and Managing Director of Mawaheb from Beautiful Peopl
'Will%20of%20the%20People'
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Thank You for Banking with Us
Director: Laila Abbas
Starring: Yasmine Al Massri, Clara Khoury, Kamel El Basha, Ashraf Barhoum
Rating: 4/5
Three ways to get a gratitude glow
By committing to at least one of these daily, you can bring more gratitude into your life, says Ong.
- During your morning skincare routine, name five things you are thankful for about yourself.
- As you finish your skincare routine, look yourself in the eye and speak an affirmation, such as: “I am grateful for every part of me, including my ability to take care of my skin.”
- In the evening, take some deep breaths, notice how your skin feels, and listen for what your skin is grateful for.
How to increase your savings
- Have a plan for your savings.
- Decide on your emergency fund target and once that's achieved, assign your savings to another financial goal such as saving for a house or investing for retirement.
- Decide on a financial goal that is important to you and put your savings to work for you.
- It's important to have a purpose for your savings as it helps to keep you motivated to continue while also reducing the temptation to spend your savings.
- Carol Glynn, founder of Conscious Finance Coaching
In numbers: China in Dubai
The number of Chinese people living in Dubai: An estimated 200,000
Number of Chinese people in International City: Almost 50,000
Daily visitors to Dragon Mart in 2018/19: 120,000
Daily visitors to Dragon Mart in 2010: 20,000
Percentage increase in visitors in eight years: 500 per cent
Islamophobia definition
A widely accepted definition was made by the All Party Parliamentary Group on British Muslims in 2019: “Islamophobia is rooted in racism and is a type of racism that targets expressions of Muslimness or perceived Muslimness.” It further defines it as “inciting hatred or violence against Muslims”.
Lexus LX700h specs
Engine: 3.4-litre twin-turbo V6 plus supplementary electric motor
Power: 464hp at 5,200rpm
Torque: 790Nm from 2,000-3,600rpm
Transmission: 10-speed auto
Fuel consumption: 11.7L/100km
On sale: Now
Price: From Dh590,000
Know before you go
- Jebel Akhdar is a two-hour drive from Muscat airport or a six-hour drive from Dubai. It’s impossible to visit by car unless you have a 4x4. Phone ahead to the hotel to arrange a transfer.
- If you’re driving, make sure your insurance covers Oman.
- By air: Budget airlines Air Arabia, Flydubai and SalamAir offer direct routes to Muscat from the UAE.
- Tourists from the Emirates (UAE nationals not included) must apply for an Omani visa online before arrival at evisa.rop.gov.om. The process typically takes several days.
- Flash floods are probable due to the terrain and a lack of drainage. Always check the weather before venturing into any canyons or other remote areas and identify a plan of escape that includes high ground, shelter and parking where your car won’t be overtaken by sudden downpours.
Biog
Age: 50
Known as the UAE’s strongest man
Favourite dish: “Everything and sea food”
Hobbies: Drawing, basketball and poetry
Favourite car: Any classic car
Favourite superhero: The Hulk original
The five pillars of Islam
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