Estimated Value AdvantageVerified motivated-seller listingsOff-Plan AssignmentsExclusive Investment OpportunitiesNew opportunities added dailyFree for investors
hotdeals.ae

50/50 payment plan

You pay 50% in instalments while the project is under construction and the remaining 50% on handover. Developers set the instalment dates and the booking amount per project — the project page carries the schedule we hold.

50%
50%

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. 50%During constructionAED 750,000
  2. 50%On handoverAED 750,000

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.

264 projects currently offer this plan

113 Residences
Developer DealOn Sale
Iman Developers

113 Residences

Iman Developers

Al Sufouh 1, Al Sufouh, Dubai, UAE

Special Discount: AED 100,000 BonusAn explicit AED 100,000 agency bonus is available when 5 units are closed, creating a higher-tier broker incentive.
Special Discount: AED 50,000 BonusAn explicit AED 50,000 agency bonus is available when 3 units are closed, providing a direct broker sales incentive.
Special Discount: 7%The source explicitly offers brokers a 7% commission, stated as AED 172,793, creating a direct sales incentive for the advertised 2-bedroom unit.

+1 more

From

AED 1,800,000

Handover

Q2 2029

Payment Plan

50/50

Down Payment

20%

View
The Collection at Taiyo
Developer Deal

The Collection at Taiyo

LMD Continental Investments

Wasl Gate, Dubai, UAE

Special Discount: 6%Explicit 6% commission incentive associated with The Collection at Taiyo.

From

AED 675,000

Handover

Q1 2028

Payment Plan

50/50

Down Payment

20%

View
The Central Downtown
Developer Deal

The Central Downtown

Aqua

Al Barsha, Dubai, UAE

Special Discount: AED 50,000Cash bonus offer for 3-bedroom units.
Special Discount: AED 40,000Cash bonus offer for 2-bedroom units.
Special Discount: AED 20,000Cash bonus offer for 1-bedroom units.

+1 more

From

AED 943,272

Handover

Q4 2028

Payment Plan

50/50

Down Payment

10%

View
Celesto 4
Developer DealOn Sale
Tarrad Development

Celesto 4

Tarrad Development

Cove Boulevard by Imtiaz, Dubai Land Residence Complex (DLRC), Dubai, UAE

Special Discount: 8%Explicit 8% broker commission incentive stated for the Celesto 4 retail offering.
Special Discount: 5%Explicit 5% starting discount advertised for Celesto 4 retail in DLRC.

From

AED 540,000

Handover

Q4 2028

Payment Plan

50/50

Down Payment

20%

View
Celesto Tower
Developer Deal
Tarrad Development

Celesto Tower

Tarrad Development

Celesto Tower, Dubai Land Residence Complex (DLRC), Dubai, UAE

Special Discount: 30%30% discount for full cash purchase of a fully fitted retail unit.
Special Discount: 20%20% discount on the 50/50 payment plan for a fully fitted retail unit.
Special Discount: 10%10% discount on the Standard Payment Plan for a fully fitted retail unit.

From

AED 1,211,536

Handover

Q2 2028

Payment Plan

50/50

Down Payment

20%

View
Riverside Views
Developer Deal
DAMAC Properties

Riverside Views

DAMAC Properties
DLD Waiver: 4%Explicit 4% DLD waiver for Riverside Views.
Special Discount: AED 100,000Special price reduced from AED 1.8M to AED 1.7M for Riverside Views.

From

AED 1,309,000

Handover

Q4 2028

Payment Plan

50/50

Down Payment

10%

View
O1ne District - Dawn
New Launch

O1ne District - Dawn

AveNew

From

AED 5,000,000

Handover

Q1 2030

Payment Plan

50/50

Down Payment

10%

View
Soma Residences
New Launch

Soma Residences

Origami Development

Dubai Islands, Dubai, UAE

From

AED 1,670,000

Handover

Q4 2028

Payment Plan

50/50

Down Payment

20%

View
Ayami Residence by Ayat

Ayami Residence by Ayat

Ayat Real Estate Development

X-17, England Cluster, International City, Dubai, UAE

From

AED 475,000

Handover

Q4 2028

Payment Plan

50/50

Down Payment

10%

View
Cheval Residences Dubai Islands

Cheval Residences Dubai Islands

AveNew

Dubai Islands, Dubai, UAE

From

AED 2,800,000

Handover

Q1 2029

Payment Plan

50/50

Down Payment

10%

View
Tresora by Wadan
Wadan Developments

Tresora by Wadan

Wadan Developments

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

From

AED 670,000

Handover

Q1 2028

Payment Plan

50/50

Down Payment

20%

View
Le Chateau by Beyond
Beyond

Le Chateau by Beyond

Beyond

Al Marjan Island, Ras Al Khaimah, UAE

From

AED 2,150,000

Handover

Q4 2029

Payment Plan

50/50

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.