Developer Deal
Post HandoverEira explicitly allows 40% of the price to be paid after handover until April 2033.
From
Price on request
Handover
Q2 2029
Payment Plan
40/60
Down Payment
10%
40/60 payment plan
You pay 40% in instalments while the project is under construction and the remaining 60% on handover. Developers set the instalment dates and the booking amount per project — the project page carries the schedule we hold.
40%
60%
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
- 40%During constructionAED 600,000
- 60%On handoverAED 900,000
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.
177 projects currently offer this plan
Developer DealPresale / EOI
Post HandoverThe sales offer defers 40% of the AED 689,000 purchase price to eight semiannual installments after the Dec-28 handover.
From
620,000
Handover
Q4 2028
Payment Plan
40/60
Down Payment
10%
Developer DealOn Sale
Special Discount: AED 6,000An explicit AED 6,000 spot-cash incentive is offered for Whitestone, creating a fixed monetary sales incentive.
Special Discount: 5%A 5% commission incentive is explicitly offered on all apartment types, providing a broker-sales incentive for the Whitestone project.
From
1,217,846
Handover
Q2 2027
Payment Plan
40/60
Down Payment
10%
Developer Deal
Special Discount: 5%5% purchase discount tied to the 20/80 non-post-handover plan.
Special Discount: 4%Explicit broker commission incentive for Residences Du Port.
From
8,141,358
Handover
Q4 2026
Payment Plan
40/60
Down Payment
20%
Developer Deal
Developer Deal
Arka Enclave Residences
Atmosphere LivingBeach Residences Dubai Islands, Rixos Dubai Islands Hotel & Residences, Dubai Islands, Dubai, UAE
Special Discount: 5%Explicit broker commission incentive for Arka Enclave by Atmosphere Living.
Special Discount: 3%3% purchase discount tied to the 40/60 non-post-handover plan.
From
2,612,476
Handover
Q4 2027
Payment Plan
40/60
Down Payment
20%
Developer Deal
Developer DealOn Sale
DLD Waiver: 4%A 4% Dubai Land Department waiver is explicitly stated for Chelsea Gardens, reducing buyer transaction costs.
From
1,645,888
Handover
Q1 2027
Payment Plan
40/60
Down Payment
20%
Developer DealOn Sale
DLD Waiver: 50%· until 30 Sept 2026The artwork explicitly advertises a 50% DLD waiver for Nirvana Residences I, reducing upfront transaction costs. The offer is shown as valid until 30 September 2026.
From
781,493
Handover
Q4 2028
Payment Plan
40/60
Down Payment
20%
Presale / EOI
From
4,250,000
Handover
Q3 2030
Payment Plan
40/60
Down Payment
5%
From
3,140,000
Handover
Q2 2030
Payment Plan
40/60
Down Payment
5%
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.