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100/20 payment plan

You pay 100% in instalments while the project is under construction and the remaining 20% on handover. Developers set the instalment dates and the booking amount per project — the project page carries the schedule we hold.

100%
20%

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

  1. 100%During construction 1,250,000
  2. 20%On handover 250,000

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.

53 projects currently offer this plan

On SaleSpecial Discount 5%+1 more
Iman Developers

One Park Square

Iman Developers

Hyati Avenue, JVC District 14, Jumeirah Village Circle (JVC), Dubai, UAE

From

750,000

Handover

Q2 2028

Payment Plan

100/20

Down Payment

20%

View
On SaleSpecial Discount 4%
Iman Developers

Oxford Cove

Iman Developers

Hyati Avenue, JVC District 14, Jumeirah Village Circle (JVC), Dubai, UAE

From

1,674,068

Handover

Q1 2029

Payment Plan

100/20

Down Payment

20%

View
On SaleSpecial Discount 15%+2 more
Samana

Samana Business Hub

Samana

From

1,918,100

Handover

Q2 2029

Payment Plan

100/20

Down Payment

20%

View
On SaleSpecial Payment Plan+2 more
Samana Developers

Samana Portside

Samana Developers

Jebel Ali, Dubai, UAE

From

1,099,000

Handover

—

Payment Plan

100/20

Down Payment

20%

View
On SaleSpecial Payment Plan 15/85+2 more
Samana Developers

Samana Portside 2

Samana Developers

Jebel Ali, Dubai, UAE

From

1,099,000

Handover

—

Payment Plan

100/20

Down Payment

20%

View
On SalePost Handover
Samana

Samana Waves

Samana

Hyati Avenue, JVC District 14, Jumeirah Village Circle (JVC), Dubai, UAE

From

814,235

Handover

Q3 2026

Payment Plan

100/20

Down Payment

20%

View
Special Discount 7%
SOL Properties

Sol Terra Gardens

SOL Properties

Jumeirah Village Circle (JVC), Dubai, UAE

From

730,000

Handover

Q4 2029

Payment Plan

100/20

Down Payment

20%

View
On SaleSpecial Discount 4%
Deyaar

Talia Residences

Deyaar

Al Furjan, Dubai, UAE

From

1,200,000

Handover

Q2 2026

Payment Plan

100/20

Down Payment

20%

View
On Sale
Binghatti

Binghatti Spectre

Binghatti

Al Jaddaf, Dubai, UAE

From

774,999

Handover

Q4 2028

Payment Plan

100/20

Down Payment

20%

View

King Tamar Tbilisi

Archi

From

409,998

Handover

Q4 2029

Payment Plan

100/20

Down Payment

20%

View
Aqua Properties

The Central Uptown

Aqua Properties

Arjan, Dubai, UAE

From

720,888

Handover

Q4 2028

Payment Plan

100/20

Down Payment

20%

View
On Sale
SOBHA

The Serene

SOBHA

From

1,818,195

Handover

Q2 2030

Payment Plan

100/20

Down Payment

20%

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.