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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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

Property price (AED)

30%During constructionAED 450,000
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

Presale / EOI

Verdana IX

Reportage

From

AED 931,811

Handover

Q2 2029

Payment Plan

30/70

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.