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30/70 payment plan

You pay 30% in instalments while the project is under construction and the remaining 70% on handover. Developers set the instalment dates and the booking amount per project — the project page carries the schedule we hold.

30%
70%

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. 30%During constructionAED 450,000
  2. 70%On handoverAED 1,050,000

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.

79 projects currently offer this plan

Developer Deal
Reportage Properties

Oceana by Reportage

Reportage Properties
Special Discount: 20%OCEANA is offered with a 20% purchase discount at 20% down payment.
Special Discount: 15%OCEANA is offered with a 15% purchase discount at 15% down payment.
Special Discount: 10%OCEANA is offered with a 10% purchase discount at 10% down payment.

+1 more

From

526,210

Handover

Q4 2027

Payment Plan

30/70

Down Payment

30%

View
Developer Deal
Tasmeer Indigo Properties

SquareX One

Tasmeer Indigo Properties

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

Special Discount: 10%The artwork explicitly states that commission will be received within 48 hours after securing a Squarex One unit with 10%. The commission amount and other eligibility conditions are not stated.
Special Discount: 5%The source explicitly offers a 5% broker commission, payable within seven days of SPA signing, creating a direct sales incentive for brokers.

From

742,537

Handover

Q4 2027

Payment Plan

30/70

Down Payment

20%

View
Developer DealOn Sale
Samana

Samana Imperial Garden

Samana

Miracle Residence, Arjan, Dubai, UAE

Special Discount: 5%An explicit additional 5% discount is advertised for Samana Imperial Garden, reducing the purchase price of the promoted inventory.

From

976,667

Handover

Q3 2028

Payment Plan

30/70

Down Payment

20%

View
Developer Deal
Urban Properties Development

Urban Life

Urban Properties Development

Canal Heights 2, Business Bay, Dubai, UAE

Special Discount: 5%A 5% broker commission incentive is stated, with SPA payout within 3 days, making the project commercially relevant for broker sales activity.
Post HandoverA majority of the 2-BHK payment is explicitly scheduled after handover over three years, materially deferring the buyer's payment obligation.

From

1,890,749

Handover

Q2 2026

Payment Plan

30/70

Down Payment

20%

View
New Launch
Azizi

Azizi Florence

Azizi

Azizi Florence, Umm Fanain, Sharjah, UAE

From

1,890,000

Handover

Q4 2029

Payment Plan

30/70

Down Payment

10%

View
New Launch

Olfah 6 by Alef

Alef Group

Muwaileh Commercial, Sharjah, UAE

From

775,000

Handover

Q2 2030

Payment Plan

30/70

Down Payment

10%

View
Samana Developers

Samana South Haven

Samana Developers

Samana South Haven, Dubai Industrial City, Dubai, UAE

From

599,000

Handover

Q4 2028

Payment Plan

30/70

Down Payment

15%

View

Ajwan Residences

Shurooq

Khor Fakkan, Sharjah, UAE

From

1,790,000

Handover

Q4 2026

Payment Plan

30/70

Down Payment

10%

View

Park Golf View Al Zorah

Park Group

Al Zorah, Ajman, UAE

From

698,000

Handover

Q4 2027

Payment Plan

30/70

Down Payment

10%

View

LINAR by Alef Group

Alef Group

Al Mamzar, Dubai, UAE

From

899,000

Handover

—

Payment Plan

30/70

Down Payment

5%

View
Reportage Properties

Verdana 5

Reportage Properties

Verdana 5, Dubai Investments Park 1, Dubai Investments Park (DIP), Dubai, UAE

From

293,000

Handover

Q3 2028

Payment Plan

30/70

Down Payment

30%

View
On Sale
OCTA Properties

Golf Terrace Residences

OCTA Properties

Dubai Production City (IMPZ), Dubai, UAE

From

688,000

Handover

Q4 2027

Payment Plan

30/70

Down Payment

—

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.