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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.

61 projects currently offer this plan

Park Lane 2 By Heilbronn

Park Lane 2 By Heilbronn

Heilbronn Properties Ltd.

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

From

AED 1,611,888

Handover

Q1 2026

Payment Plan

30/70

Down Payment

10%

View
Samana Imperial Garden
On Sale
Samana

Samana Imperial Garden

Samana

Miracle Residence, Arjan, Dubai, UAE

From

AED 976,667

Handover

Q3 2028

Payment Plan

30/70

Down Payment

20%

View
Samana Ocean Bay
On Sale
Samana

Samana Ocean Bay

Samana

Beach Residences Dubai Islands, Rixos Dubai Islands Hotel & Residences, Dubai Islands, Dubai, UAE

From

AED 2,997,999

Handover

Q4 2028

Payment Plan

30/70

Down Payment

20%

View
Selora Residences

Selora Residences

Swank Development

From

AED 9,600,000

Handover

Q2 2027

Payment Plan

30/70

Down Payment

15%

View
Sharjah Garden Villas
On Sale

Sharjah Garden Villas

Shoumous Properties

Sharjah Garden City, Sharjah, UAE

From

AED 2,530,000

Handover

Q4 2026

Payment Plan

30/70

Down Payment

10%

View
Sila

Sila

Reportage

Masdar City, Abu Dhabi, UAE

From

AED 1,561,816

Handover

Q3 2029

Payment Plan

30/70

Down Payment

20%

View
The Links Towers
Emaar

The Links Towers

Emaar

The Views, Dubai, UAE

From

Price on request

Handover

Q4 2007

Payment Plan

30/70

Down Payment

30%

View
Urban Oasis

Urban Oasis

DarGlobal

Millennium Atria, The Atria, Business Bay, Dubai, UAE

From

AED 2,500,000

Handover

Q3 2023

Payment Plan

30/70

Down Payment

View
Urban Park Residences

Urban Park Residences

Urban Venture

Dubai Sports City, Dubai, UAE

From

AED 764,560

Handover

Q2 2026

Payment Plan

30/70

Down Payment

20%

View
Vedaire Residences

Vedaire Residences

Elton Real Estate Development

Vedaire Residences, Meydan Avenue, Meydan, Dubai, UAE

From

AED 1,425,000

Handover

Q3 2027

Payment Plan

30/70

Down Payment

10%

View
Vento Tower
Anax Developments

Vento Tower

Anax Developments

Millennium Atria, The Atria, Business Bay, Dubai, UAE

From

AED 1,686,777

Handover

Q4 2026

Payment Plan

30/70

Down Payment

30%

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.