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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 constructionAED 1,250,000
  2. 20%On handoverAED 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.

52 projects currently offer this plan

Developer DealOn Sale
Iman Developers

One Park Square

Iman Developers

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

Special Discount: 5%A 5% broker commission incentive is explicitly advertised for ONE PARK SQUARE.
Special Discount: 3%A 3% purchase discount is explicitly advertised for ONE PARK SQUARE.

From

750,000

Handover

Q2 2028

Payment Plan

100/20

Down Payment

20%

View
Developer DealOn Sale
Iman Developers

Oxford Cove

Iman Developers

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

Special Discount: 4%The advertised Oxford Cove 1-bedroom unit is offered at AED 1.23M versus an original AED 1.29M, explicitly stated as 4% off.

From

1,674,068

Handover

Q1 2029

Payment Plan

100/20

Down Payment

20%

View
Developer DealOn Sale
Samana

Samana Business Hub

Samana
Special Discount: 15%Explicit 15% discount on selected Samana Business Hub office and retail units; the artwork shows original and discounted prices for individual units, confirming a purchase-price reduction rather than inventory-only pricing.
Special Discount: 8%Explicit 8% broker commission incentive for Business Hub.
Special Discount: 5%An additional 5% discount is offered on already discounted Samana Business Hub unit prices, improving the purchase-price incentive beyond the listed discount.

From

1,918,100

Handover

Q2 2029

Payment Plan

100/20

Down Payment

20%

View
Developer DealOn Sale
Samana Developers

Samana Portside 2

Samana Developers

Jebel Ali, Dubai, UAE

Special Payment Plan: 15/85Payment Plan International Clients DP — 15% 1% x 75 months — 75% 5% on 6th Month — 5% 5% on 12th Month — 5%
Special Payment Plan: 10/90Payment Plan with PDC DP — 10% 1% x 80 months — 80% 5% on 6th Month — 5% 5% on 12th Month — 5%

From

0

Handover

—

Payment Plan

100/20

Down Payment

20%

View
Developer Deal
SOL Properties

Sol Terra Gardens

SOL Properties

Jumeirah Village Circle (JVC), Dubai, UAE

Special Discount: 7%The launch announcement explicitly offers a 7% commission, creating a direct broker incentive for marketing and selling SOL Terra Gardens units.

From

0

Handover

Q4 2029

Payment Plan

100/20

Down Payment

20%

View
Developer DealOn Sale
Deyaar

Talia Residences

Deyaar

Al Furjan, Dubai, UAE

Special Discount: 4%Explicit broker commission incentive for Vitalia Residences.

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

111,640

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
SOBHA

The Serene

SOBHA

From

1,818,195

Handover

Q2 2030

Payment Plan

100/20

Down Payment

20%

View
On Sale
Danube

BREEZ by Danube

Danube

Anwa by Omniyat, Dubai Maritime City, Dubai, UAE

From

1,850,000

Handover

Q2 2029

Payment Plan

100/20

Down Payment

20%

View
SOBHA

Luxury Collection in Hartland II

SOBHA

330 Riverside Crescent, Riverside Crescent, Sobha Hartland 2, Dubai, UAE

From

Price on request

Handover

Q3 2028

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.