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.

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25/75 payment plan

You pay 25% in instalments while the project is under construction and the remaining 75% on handover. Developers set the instalment dates and the booking amount per project — the project page carries the schedule we hold.

25%

75%

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

Property price (AED)

25%During constructionAED 375,000
75%On handoverAED 1,125,000

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.

13 projects currently offer this plan

Developer Deal

The Cove

Emaar

Dubai Creek Harbour, Dubai, UAE

Special Payment Plan: 80% during construction and 20% on 100% construction completion

From

1,600,000

Handover

Q4 2021

Payment Plan

25/75

Down Payment

25%

View

Cove at Lunaya Terraces

Five Holdings

Jebel Ali, Dubai, UAE

From

2,180,000

Handover

Q4 2029

Payment Plan

25/75

Down Payment

View

Emaar

Downtown Dubai, Dubai, UAE

From

Price on request

Handover

Q4 2013

Payment Plan

25/75

Down Payment

—

View

On Sale

Damac Islands 2 - Tahiti 2

DAMAC Properties

DAMAC Islands 2, Dubai, UAE

From

3,559,000

Handover

Q2 2030

Payment Plan

25/75

Down Payment

25%

View

KG Tower

Emaar

Dubai Marina, Dubai, UAE

From

1,660,000

Handover

Q3 2007

Payment Plan

25/75

Down Payment

25%

View

Presale / EOI

Shore At Lunaya Terraces

Zaya

Jebel Ali, Dubai, UAE

From

2,180,000

Handover

Q4 2029

Payment Plan

25/75

Down Payment

View

The Address The BLVD

Emaar

Downtown Dubai, Dubai, UAE

From

6,500,000

Handover

Q1 2017

Payment Plan

25/75

Down Payment

25%

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.