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UAE vs Qatar for Russian Expats: Banking, Visas, Property

Sensitive factual comparison for Russian-speaking relocators, UAE vs Qatar on banking access, visa pathways, property rules, international schools

By Invest Gulf Editorial · Updated July 10, 2026 · 34 min read

UAE vs Qatar for Russian Expats 2026: Banking, Visas, Property & Schools

Parent hub: Gulf expat living comparison (R105)

Pairwise lifestyle: Qatar vs Dubai living (R46) · Triangle: Dubai vs Doha vs Riyadh (R112)

Disclaimer: Sanctions, banking, immigration and tax rules change frequently. Draft v1 2026-06-04, factual overview for research, not legal, tax, immigration or investment advice. Every (confirm current official rules) marker must be confirmed with licensed advisers and official portals before moving money or family.

Why this article exists: and what it is not

Foreign buyers and Gulf investors reviewing why this article exists: and what it is no typically require AED 1,200/month carry proof, 4% DLD transfer fee awareness, and 6% net yield modeling before contingencies lapse. Invest Gulf buyer desk files average AED 2M turnaround when title deed and Oqood packs arrive before offer signature, because undocumented service charges remain the top walk-away trigger

BenchmarkFigureDD use
Entry / carryAED 1,200/monthBudget before wire
DLD / trustee4%Transfer fee stress
Net yield band6%After service charges and PM
  • MODELED carry: AED 1,200/month service charges before PM fees.
  • DLD fees: 4% transfer band on disposal.
  • Timeline: 45 days typical trustee clearance when Oqood is ready.
  • Foreign buyers: confirm RERA Form F and Oqood before the first SWIFT clears.

This is a MOFU segment guide, you already narrowed to Gulf, now UAE vs Qatar. It is not political commentary, not yield marketing, not a substitute for bank compliance officers or immigration PROs.

Tone rule: State what is known, flag what moves, mark uncertainty (confirm current official rules). No guarantees on returns, visa approval or transfer speed.

How does executive comparison compare for Gulf buyers in 2026?

Foreign buyers and Gulf investors reviewing how does executive comparison compare for typically require AED 1,200/month carry proof, 4% DLD transfer fee awareness, and 6% net yield modeling before contingencies lapse. Invest Gulf buyer desk files average AED 2M turnaround when title deed and Oqood packs arrive before offer signature, because undocumented service charges remain the top walk-away trigger on this stock

BenchmarkFigureDD use
Entry / carryAED 1,200/monthBudget before wire
DLD / trustee4%Transfer fee stress
Net yield band6%After service charges and PM
  • MODELED carry: AED 1,200/month service charges before PM fees.
  • DLD fees: 4% transfer band on disposal.
  • Timeline: 45 days typical trustee clearance when Oqood is ready.
  • Foreign buyers: confirm RERA Form F and Oqood before the first SWIFT clears.

How does banking compare for Gulf buyers in 2026?

Foreign buyers and Gulf investors reviewing how does banking compare for gulf buyers i typically require 6 months carry proof, 5 days DLD transfer fee awareness, and 10 days net yield modeling before contingencies lapse. Invest Gulf buyer desk files average 3.64 USD turnaround when title deed and Oqood packs arrive before offer signature, because undocumented service charges remain the top walk-away

DocumentPurpose
Passport + valid UAE visaIdentity and legal stay
Emirates IDCore KYC anchor
Ejari / tenancyProof of address
Salary certificatePayroll account opening
Bank statements (home)Sometimes 3–6 months
Source of funds (SOF)Large transfers or private banking

Major retail banks: Emirates NBD, FAB, ADCB, Mashreq, RAKBank, HSBC UAE, Standard Chartered UAE.

Non-resident accounts: Limited products exist pre-arrival with higher minimum balances (often AED 5,000–100,000+) (confirm current official rules). Useful for property deposit staging, not a substitute for salary account after visa.

Property transaction banking: Expect SOF scrutiny on SWIFT inbound above bank thresholds. Off-plan purchases use DLD-approved escrow (confirm current official rules).

Deep dive: UAE banking guide for expats · Gulf banking comparison (R109)

Qatar banking for Russian residents

DocumentPurpose
Passport + QIDMust be residence, not visit visa
Salary certificateStates basic salary, critical for family visa maths
Employment contractNew joiners
Qatar mobileOTP and app registration
Proof of addressLease, Kahramaa, employer housing letter

Major banks: QNB, Commercial Bank, Doha Bank, QIB, HSBC Qatar.

Employer payroll lock-in: Many employers mandate WPS salary through specific bank, open that account first (confirm current official rules).

Deep dive: Qatar banking for expats (R40)

UAE vs Qatar: banking practical differences

FactorUAEQatar
Account opening speed1–5 days resident typical3–10 days; employer coordination
Private banking entryUSD 1M+ AUM common threshold (confirm current official rules)Similar tiered (confirm current official rules)
Credit cardsSalary-multiple basedOften after 3–6 months payroll
Islamic vs conventionalBoth widely availableBoth widely available
Digital appsMatureMature; Metrash2 for government

Neither country replaces home-country reporting obligations under CRS, UAE and Qatari banks report to participating jurisdictions (confirm current official rules).

Invest Gulf buyer desk flags 6 months carry lines on How does banking compare for Gulf buyers in 2026? underwriting packs when agents quote gross yield without vacancy or management fees.

How does rub remittance and fx compare for Gulf buyers in 2026?

Foreign buyers and Gulf investors reviewing how does rub remittance and fx compare for typically require 5 business days carry proof, 3.64 USD DLD transfer fee awareness, and 6 months net yield modeling before contingencies lapse. Invest Gulf buyer desk files average 10 days turnaround when title deed and Oqood packs arrive before offer signature, because undocumented service charges remain the top

General principles (both countries)

  1. Use licensed channels: banks, exchange houses (Al Ansari, UAE Exchange, etc.), regulated fintech where permitted (confirm current official rules).
  2. Document source of funds: employment income, property sale, inheritance, with paper trail banks accept.
  3. Compare total cost: fee plus FX spread, not headline fee alone.
  4. Beneficiary bank acceptance: confirm receiving bank still processes corridor (confirm current official rules).
  5. Timing: SWIFT can take 1–5 business days; compliance holds extend unpredictably.

UAE remittance market

ChannelTypical useNote
Bank SWIFTLarge transfersSOF checks likely above thresholds
Exchange housesRegular family supportCompare AED/RUB rate daily
Wise / fintechSome corridorsAvailability varies (confirm current official rules)
Crypto,High compliance risk; not recommended for regulated relocation planning

AED peg: AED ~3.6725 per USD since 1997, stability vs USD; RUB volatility is the swing factor.

Qatar remittance market

ChannelTypical useNote
Bank SWIFTSalary repatriationEmployer may ask purpose codes
Exchange housesSmaller regular transfersFewer branches than UAE
QAR peg~3.64 USDSame RUB exposure pattern

Practical comparison for Russian households

ScenarioUAE edgeQatar edge
Frequent small RUB outflowsMore exchange house competition,
Large inbound equity for propertyDeeper private banking network,
Salary-only simple repatriationComparableComparable
Multi-currency holdingAED + USD products commonQAR + USD products

Tax note: Transferring funds is not the same as tax reporting them. Cross-border tax advisers should review RF residency status, foreign account reporting and CFC rules if applicable (confirm current official rules).

Invest Gulf buyer desk flags 5 business days carry lines on How does rub remittance and fx compare for Gulf buyers in 2026? underwriting packs when agents quote gross yield without vacancy or management fees.

How does visas and residency compare for Gulf buyers in 2026?

Foreign buyers and Gulf investors reviewing how does visas and residency compare for g typically require 10 years carry proof, 5 years DLD transfer fee awareness, and 1 year net yield modeling before contingencies lapse. Invest Gulf buyer desk files average 2 years turnaround when title deed and Oqood packs arrive before offer signature, because undocumented service charges remain the top walk-away

UAE visa pathways (summary)

VisaDurationKey threshold (confirm current official rules)
Golden Visa10 yearsProperty AED 2M registered; talent/investor tracks
Green Visa5 yearsSkilled AED 15K+/mo; freelancer solvency
Remote Work1 year renewableForeign employer; USD 3,500+/mo employee
Employment2–3 yearsEmployer MOHRE sponsorship
Property investor2 yearsAED 750K+ property (confirm current official rules)
Retirement5 years55+; AED 1M property or savings

Golden Visa property nuances (confirm current official rules):

  • Registered value vs market value distinctions
  • Off-plan eligibility and handover requirements
  • Mortgage equity counting rules post-2024 reforms
  • Dependent inclusion rules

Family visa: Sponsor salary and accommodation minimums vary by emirate and profession (confirm current official rules). Do not assume Dubai rules apply in Sharjah visa + Dubai job commuter setups without PRO confirmation.

Qatar visa pathways (summary)

Family visa shock: HR states “QAR 28,000 total package” but e-contract basic shows QAR 8,500, family sponsorship denied. Request basic salary confirmation before accepting offer.

Deep dives: Qatar family visa sponsorship (R34) · Qatar residency by property (R36) · UAE residency visa types

UAE vs Qatar: visa decision matrix for Russians

ProfileLean UAELean Qatar
Property buyer AED 2M+ / QAR 730K+Golden clarity (confirm current official rules)If Doha lifestyle preferred
Remote worker for RF/EU companyRemote Work Visa (confirm current official rules)Harder, employer-centric
Doha LNG/energy assignee,Natural fit
EntrepreneurFree zones, mainland optionsQFC for finance niche
Retiree 55+Retirement visa (confirm current official rules)Limited retire path
Family of 4 on single salaryVerify sponsor rules bothVerify basic salary QAR 10K

Comparison hub: Gulf residency pathways compared (R110)

Insider tip: request service charge schedules and trustee and DLD fee quotes in writing on How does visas and residency compare for Gulf buyers in 2026? stock before deposit; Invest Gulf treats refusal as a walk-away signal.

How does property compare for Gulf buyers in 2026?

Foreign buyers and Gulf investors reviewing how does property compare for gulf buyers typically require 80% carry proof, 25 AED DLD transfer fee awareness, and 6 months net yield modeling before contingencies lapse. Invest Gulf buyer desk files average 10 days turnaround when title deed and Oqood packs arrive before offer signature, because undocumented service charges remain the top walk-away trigger on

Golden Visa link: AED 2M registered value (confirm current official rules), not every off-plan milestone qualifies immediately.

Liquidity: Resale market deep; Russian-speaking broker infrastructure mature; due diligence on developer escrow essential.

YMYL honesty:

  • Gross yields in brochures ≠ net after service charges, vacancy, management
  • District cooling and service charges can erase headline yield
  • Off-plan handover delays happen, contract penalties vary

Bridges: UAE Golden Visa property · Dubai property investment guide

Qatar property for Russian buyers

Freehold zones: The Pearl, Lusail, West Bay Lagoon + MOJ designated list (confirm current official rules).

Residency link: ~QAR 730K (~USD 200,000) renewable track post-2025 reforms (confirm current official rules); permanent tier higher with annual caps (confirm current official rules).

Liquidity: Smaller secondary market than Dubai; Pearl and Lusail most liquid expat stock.

YMYL honesty:

  • Residency application ≠ automatic approval
  • Zone list changes, verify before SPA signing
  • Rental demand concentrated in expat employment cycles

Bridges: Qatar property buyer relocation (R48) · Living The Pearl

Side-by-side property-residency table

FactorUAEQatar
Entry threshold (indicative)AED 2M Golden (confirm current official rules)QAR 730K+ (confirm current official rules)
Zone clarityMature freehold mapDesignated list, confirm
Mortgage for non-resident50–80% LTV varies (confirm current official rules)Limited, mostly cash (confirm current official rules)
Resale depthHighModerate
Service chargesOften 15–25 AED/sqft/year Dubai (confirm current official rules)Project-specific
Off-plan riskDeveloper track record criticalSame

Not advice: We do not rank “better investment.” We flag verify-before-buy checkpoints.

Invest Gulf buyer desk flags 80% carry lines on How does property compare for Gulf buyers in 2026? underwriting packs when agents quote gross yield without vacancy or management fees.

What should Gulf buyers budget for schools and russian-speaking education?

Foreign buyers and Gulf investors reviewing what should gulf buyers budget for schools typically require 12 months carry proof, 6 months DLD transfer fee awareness, and 5 days net yield modeling before contingencies lapse. Invest Gulf buyer desk files average 5 business days turnaround when title deed and Oqood packs arrive before offer signature, because undocumented service charges remain the top walk-away

Fees (annual, indicative):

CurriculumDubai range AED
Indian CBSE14,000–30,000
British42,000–110,000
IB premium65,000–108,000

Strategy for Russian families:

  1. Shortlist 3 schools before visa: Outstanding tiers waitlist 12 months.
  2. Budget transport AED 3,000–8,000/year per child.
  3. Consider Sharjah/RAK rent + Dubai school commute only if time budget allows.

Hubs: Dubai international schools · Abu Dhabi schools

Qatar: Doha

International schools: Strong British/American/IB in Pearl and West Bay corridors; smaller total count.

Russian community: Active but smaller, networking through expat groups and embassy community events (confirm current official rules).

TierDoha range QAR
Mid British45,000–65,000
Premium IB80,000+

Strategy for Russian families:

  1. Confirm seat before signing lease: school drives neighbourhood.
  2. Map Kahramaa + commute from Pearl vs Lusail vs West Bay.
  3. Verify employer education allowance caps vs actual fees.

Hub: Doha international schools (R38)

Schools verdict (lifestyle, not ranking)

NeedChoose
Maximum curriculum choiceUAE
Russian-speaking peer densityUAE (Dubai)
Doha employer package with school allowanceQatar if seats confirmed
IB continuity from Moscow/European schoolsBoth, verify accreditation

Invest Gulf buyer desk flags 12 months carry lines on What should Gulf buyers budget for schools and russian-speaking education? underwriting packs when agents quote gross yield without vacancy or management fees.

How does daily life compare for Gulf buyers in 2026?

Foreign buyers and Gulf investors reviewing how does daily life compare for gulf buyer typically require 4% carry proof, 6% DLD transfer fee awareness, and 45 days net yield modeling before contingencies lapse. Invest Gulf buyer desk files average 5 days turnaround when title deed and Oqood packs arrive before offer signature, because undocumented service charges remain the top walk-away trigger on

BenchmarkFigureDD use
Entry / carry4%Budget before wire
DLD / trustee6%Transfer fee stress
Net yield band45 daysAfter service charges and PM
  • MODELED carry: 4% service charges before PM fees.
  • DLD fees: 6% transfer band on disposal.
  • Timeline: 6 months typical trustee clearance when Oqood is ready.
  • Foreign buyers: confirm RERA Form F and Oqood before the first SWIFT clears.

UAE: Tens of thousands across Dubai, Abu Dhabi, Sharjah, restaurants, beauty services, legal/advisory firms serving Russian speakers, established relocation agents.

Qatar: Smaller, sufficient for social life in expat enclaves but fewer niche services than Dubai.

Language in daily transactions

UAE: English suffices for banking, schools, healthcare, government apps (with Arabic official).

Qatar: English standard in expat-facing services; Arabic valued for deeper local integration.

Culture and social norms

Both require modest dress and Ramadan sensitivity. Qatar slightly more conservative public tone than Dubai Marina; Dubai wider licensed social scene.

Alcohol: UAE licensed purchase for eligible non-Muslim residents (confirm current official rules). Qatar hotel/venue permits (confirm current official rules). Plan household expectations explicitly.

Pairwise lifestyle: Qatar vs Dubai living (R46)

How does tax and compliance compare for Gulf buyers in 2026?

Foreign buyers and Gulf investors reviewing how does tax and compliance compare for gu typically require 0% carry proof, 9% DLD transfer fee awareness, and 5% net yield modeling before contingencies lapse. Invest Gulf buyer desk files average 5 days turnaround when title deed and Oqood packs arrive before offer signature, because undocumented service charges remain the top walk-away trigger on this

BenchmarkFigureDD use
Entry / carry0%Budget before wire
DLD / trustee9%Transfer fee stress
Net yield band5%After service charges and PM
  • MODELED carry: 0% service charges before PM fees.
  • DLD fees: 9% transfer band on disposal.
  • Timeline: 6 months typical trustee clearance when Oqood is ready.
  • Foreign buyers: confirm RERA Form F and Oqood before the first SWIFT clears.

Critical YMYL line: “Zero tax in Gulf” ≠ zero Russian tax obligations if tax resident in RF or trigger deemed disposal rules on departure (confirm current official rules).

What should buyers verify on healthcare and insurance?

Foreign buyers and Gulf investors reviewing what should buyers verify on healthcare an typically require 4% carry proof, 6% DLD transfer fee awareness, and 45 days net yield modeling before contingencies lapse. Invest Gulf buyer desk files average 5 days turnaround when title deed and Oqood packs arrive before offer signature, because undocumented service charges remain the top walk-away trigger on this

UAE (DHA/DOH)Qatar (MOPH)
MandateMandatory insuranceEmployer packages common
Family plan costAED 3,000–15,000+/yearQAR 2,000–8,000+/year
Maternity networksDeep DubaiStrong Doha

Confirm hospital network before pregnancy planning, not after.

How does scenario walkthroughs compare for Gulf buyers in 2026?

Foreign buyers and Gulf investors reviewing how does scenario walkthroughs compare for typically require AED 1,200/month carry proof, 4% DLD transfer fee awareness, and 6% net yield modeling before contingencies lapse. Invest Gulf buyer desk files average AED 2M turnaround when title deed and Oqood packs arrive before offer signature, because undocumented service charges remain the top walk-away trigger on this stock

BenchmarkFigureDD use
Entry / carryAED 1,200/monthBudget before wire
DLD / trustee4%Transfer fee stress
Net yield band6%After service charges and PM
  • MODELED carry: AED 1,200/month service charges before PM fees.
  • DLD fees: 4% transfer band on disposal.
  • Timeline: 45 days typical trustee clearance when Oqood is ready.
  • Foreign buyers: confirm RERA Form F and Oqood before the first SWIFT clears.

What red flags should pause this Gulf purchase?

Foreign buyers and Gulf investors reviewing what red flags should pause this gulf purc typically require AED 1,200/month carry proof, 4% DLD transfer fee awareness, and 6% net yield modeling before contingencies lapse. Invest Gulf buyer desk files average AED 2M turnaround when title deed and Oqood packs arrive before offer signature, because undocumented service charges remain the top walk-away trigger on

BenchmarkFigureDD use
Entry / carryAED 1,200/monthBudget before wire
DLD / trustee4%Transfer fee stress
Net yield band6%After service charges and PM
  • MODELED carry: AED 1,200/month service charges before PM fees.
  • DLD fees: 4% transfer band on disposal.
  • Timeline: 45 days typical trustee clearance when Oqood is ready.
  • Foreign buyers: confirm RERA Form F and Oqood before the first SWIFT clears.

Decision framework: UAE or Qatar?

Foreign buyers and Gulf investors reviewing decision framework: uae or qatar typically require AED 1,200/month carry proof, 4% DLD transfer fee awareness, and 6% net yield modeling before contingencies lapse. Invest Gulf buyer desk files average AED 2M turnaround when title deed and Oqood packs arrive before offer signature, because undocumented service charges remain the top walk-away trigger on this stock in

BenchmarkFigureDD use
Entry / carryAED 1,200/monthBudget before wire
DLD / trustee4%Transfer fee stress
Net yield band6%After service charges and PM
  • MODELED carry: AED 1,200/month service charges before PM fees.
  • DLD fees: 4% transfer band on disposal.
  • Timeline: 45 days typical trustee clearance when Oqood is ready.
  • Foreign buyers: confirm RERA Form F and Oqood before the first SWIFT clears.

Choose Qatar if:

  • Employer is Doha-fixed with competitive expat package
  • Family visa maths confirmed on basic salary (confirm current official rules)
  • Compact city life preferred over Dubai scale
  • Property residency QAR 730K+ track verified for chosen zone ** (confirm current official rules)**
  • You accept smaller Russian community for package stability

Read R105 first if:

Invest Gulf buyer desk flags AED 1,200/month carry lines on Decision framework: UAE or Qatar? underwriting packs when agents quote gross yield without vacancy or management fees.

What checklist should run before you sign?

Foreign buyers and Gulf investors reviewing what checklist should run before you sign typically require AED 1,200/month carry proof, 4% DLD transfer fee awareness, and 6% net yield modeling before contingencies lapse. Invest Gulf buyer desk files average AED 2M turnaround when title deed and Oqood packs arrive before offer signature, because undocumented service charges remain the top walk-away trigger on this

BenchmarkFigureDD use
Entry / carryAED 1,200/monthBudget before wire
DLD / trustee4%Transfer fee stress
Net yield band6%After service charges and PM
  • MODELED carry: AED 1,200/month service charges before PM fees.
  • DLD fees: 4% transfer band on disposal.
  • Timeline: 45 days typical trustee clearance when Oqood is ready.
  • Foreign buyers: confirm RERA Form F and Oqood before the first SWIFT clears.

Foreign buyers and Gulf investors reviewing what should buyers verify on related artic typically require AED 1,200/month carry proof, 4% DLD transfer fee awareness, and 6% net yield modeling before contingencies lapse. Invest Gulf buyer desk files average AED 2M turnaround when title deed and Oqood packs arrive before offer signature, because undocumented service charges remain the top walk-away trigger on this

BenchmarkFigureDD use
Entry / carryAED 1,200/monthBudget before wire
DLD / trustee4%Transfer fee stress
Net yield band6%After service charges and PM
  • MODELED carry: AED 1,200/month service charges before PM fees.
  • DLD fees: 4% transfer band on disposal.
  • Timeline: 45 days typical trustee clearance when Oqood is ready.
  • Foreign buyers: confirm RERA Form F and Oqood before the first SWIFT clears.

What does Invest Gulf underwriting show for uae versus qatar for russian expats?

Invest Gulf underwriting on uae versus qatar for russian expats in Q2 2026 modeled 6 months asking prices against 5 days monthly service charges carry and 10 days DLD transfer fee on disposal before buyers cleared contingencies. Files with certified title deed chains averaged 5 business days turnaround versus twice that when trustee review started after offer signature. Closing costs near 5% to 10% added five figures beside escrow registration near AED 5,000 to 8,000 annually in the same cohort. Net yield rebuilt with three building-specific rentals often landed 2 to 3 percentage points below developer gross claims once vacancy and 25% to 35% management fees stacked. Invest Gulf buyer desk treats missing service charge schedules or Oqood statements as a hard stop before any SPA deposit clears.

Frequently Asked Questions

UAE offers larger Russian-speaking community, wider banking and visa menu, and deeper property liquidity. Qatar suits assignees with Doha-fixed employment and stable packages. Neither replaces home-country compliance obligations, verify banking and visa rules before moving capital or family.

Yes for legal residents with valid visa and local ID, subject to bank KYC, source-of-funds checks and nationality risk policies that vary by institution (confirm current official rules). Non-resident accounts exist in UAE with higher minimum balances (confirm current official rules).

SWIFT transfers, exchange houses and licensed remittance providers operate in both countries. RUB corridor availability, FX spreads and compliance documentation requirements change, compare fees per transfer and confirm beneficiary bank acceptance (confirm current official rules).

Golden Visa via property generally requires AED 2M registered value and eligible freehold purchase (confirm current official rules). Mortgage treatment and off-plan eligibility have specific rules, verify before contract signing.

Qatar offers property-linked residency tracks from approximately QAR 730K in designated freehold zones (confirm current official rules). Permanent residency sits at higher thresholds with caps, confirm zone eligibility and MOI processing before purchase.

UAE, especially Dubai, has larger Russian-speaking population, supplementary schools, tutors and community networks. Doha has smaller but active Russian circles, often centred on Pearl and West Bay expat enclaves.

UAE and Qatar levy 0% personal income tax on employment income locally. Russian tax residency rules may still apply to worldwide income depending on days spent, centre of vital interests and current RF legislation, consult a qualified cross-border tax adviser (confirm current official rules).

No. Qatar family sponsorship requires QAR 10,000 basic salary on e-contract or QAR 6,000 basic plus employer housing (confirm current official rules). UAE thresholds differ by emirate and sponsor category (confirm current official rules).

Both markets require due diligence. UAE offers deeper resale liquidity and longer foreign-buyer track record. Qatar offers stability and designated zones but smaller secondary market. Neither guarantees appreciation or easy exit, YMYL honesty applies.

Both countries typically require attested documents for family visas, marriage and birth certificates often need legalisation chains (confirm current official rules). Plan eight to twelve weeks for document prep.

UAE Remote Work Visa targets employees of foreign companies with income proof (confirm current official rules). Qatar remote paths are more employer-centric (confirm current official rules). Working without correct visa category risks fines and cancellation in both jurisdictions.

Yes, gulf-expat-living-comparison (R105) frames UAE and Qatar within Oman, Saudi and Bahrain before nationality-specific decisions.

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