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100/0 payment plan

The price is split 100/0: the first tranche during construction, the last on or after handover, and the rest as instalments between. Developers set the dates per project — the project page carries the schedule we hold.

Why buyers choose it

  • Payments track construction, so cash leaves in stages rather than up front.
  • A larger handover share keeps more of your capital working elsewhere until completion.
  • Developer plans usually carry no interest, unlike a mortgage drawn from day one.

What to check

  • The handover payment is one large sum — decide how you will fund it, mortgage or cash, before you book.
  • A construction delay moves the handover date, not your instalment dates during construction.
  • Booking amounts, instalment dates and late-payment terms differ per project — read the sales agreement.

At handover the remaining balance is due before keys and title transfer. A mortgage on an off-plan unit is normally arranged in the final months before completion, and UAE banks generally finance up to 50% of the price for expatriate buyers.

Worked example

This structure does not read as a percentage split, so no example can be drawn.

Amounts are in AED and exclude the 4% Dubai Land Department fee, Oqood registration, agency fees and service charges unless the developer's offer says otherwise.

114 projects currently offer this plan

Binghatti Aurora
On Sale
Binghatti

Binghatti Aurora

Binghatti

Binghatti Aurora, JVC District 12, Jumeirah Village Circle (JVC), Dubai, UAE

From

AED 650,000

Handover

Q1 2026

Payment Plan

100/0

Down Payment

90%

View
Samana Lake Views 2
Samana

Samana Lake Views 2

Samana

Dubai Production City (IMPZ), Dubai, UAE

From

AED 1,348,941

Handover

Q4 2027

Payment Plan

100/0

Down Payment

100%

View
Val by Kasco
Kasco Properties

Val by Kasco

Kasco Properties

Val by Kasco, Culture Village (Jaddaf Waterfront), Dubai, UAE

From

AED 870,000

Handover

Q4 2026

Payment Plan

100/0

Down Payment

20%

View
Reem Hills

Reem Hills

Q Properties

Reem Hills, Al Reem Island, Abu Dhabi, UAE

From

AED 970,000

Handover

Q4 2026

Payment Plan

100/0

Down Payment

100%

View
Gardens 2
On Sale
Iman Developers

Gardens 2

Iman Developers

Arjan, Dubai, UAE

From

AED 650,000

Handover

Q2 2026

Payment Plan

100/0

Down Payment

100%

View
Parkside Views
Emaar

Parkside Views

Emaar

Parkside Views, Dubai Hills Estate, Dubai, UAE

From

AED 1,730,000

Handover

Q3 2027

Payment Plan

100/0

Down Payment

100%

View
Palace Residences North
Emaar

Palace Residences North

Emaar

Palace Residences, Dubai Creek Harbour, Dubai, UAE

From

AED 1,230,000

Handover

Q2 2027

Payment Plan

100/0

Down Payment

10%

View
Alreeman 2

Alreeman 2

ALDAR

From

AED 3,500,000

Handover

Q4 2026

Payment Plan

100/0

Down Payment

100%

View
Al Gurm

Al Gurm

ALDAR

Al Gurm, Abu Dhabi, UAE

From

AED 8,587,625

Handover

Q2 2025

Payment Plan

100/0

Down Payment

100%

View
Binghatti Crystals
Binghatti

Binghatti Crystals

Binghatti

Binghatti Crystals, Dubai Silicon Oasis (DSO), Dubai, UAE

From

AED 520,000

Handover

Q1 2023

Payment Plan

100/0

Down Payment

100%

View
Noya

Noya

ALDAR

Noya, Yas Island, Abu Dhabi, UAE

From

AED 2,000,000

Handover

Q3 2023

Payment Plan

100/0

Down Payment

5%

View

Payment plan questions

Is the payment plan the same for every unit in a project?
Usually, but developers can vary booking amounts and instalment dates by launch phase or unit type. The project page shows the plan we hold; confirm the schedule in the sales and purchase agreement.
Can I get a mortgage on an off-plan payment plan?
Yes — typically for the handover payment. UAE banks generally finance up to 50% of an off-plan purchase price for expatriates, with the construction-stage instalments paid from your own funds.
What happens if I miss an instalment?
The sales agreement sets the grace period and any penalty, and Dubai Land Department rules allow a developer to terminate after prolonged default. Read the agreement and keep a buffer ahead of each date.
Does the plan include DLD fees and service charges?
No. The 4% DLD registration fee, Oqood registration, agency fees and annual service charges are separate unless the developer's promotion says otherwise.