From
AED 681,000
Handover
Q3 2028
Payment Plan
50/50
Down Payment
20%
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
- 50%During constructionAED 750,000
- 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
Jaddaf Beach Oasis
AziziFrom
AED 750,000
Handover
Q4 2028
Payment Plan
50/50
Down Payment
20%
From
AED 4,700,000
Handover
Q4 2030
Payment Plan
50/50
Down Payment
10%
On Sale
Kaia Residences
Amwaj DevelopmentBeach Residences Dubai Islands, Rixos Dubai Islands Hotel & Residences, Dubai Islands, Dubai, UAE
From
AED 59,000,000
Handover
Q4 2028
Payment Plan
50/50
Down Payment
20%
On Sale
From
AED 3,745,000
Handover
Q2 2029
Payment Plan
50/50
Down Payment
10%
From
AED 3,618,888
Handover
Q3 2028
Payment Plan
50/50
Down Payment
10%
On Sale
From
AED 2,170,758
Handover
Q4 2027
Payment Plan
50/50
Down Payment
20%
Liora Residences
Jaiedco DevelopmentBeach Residences Dubai Islands, Rixos Dubai Islands Hotel & Residences, Dubai Islands, Dubai, UAE
From
AED 1,900,000
Handover
Q4 2028
Payment Plan
50/50
Down Payment
10%
On Sale
From
AED 605,888
Handover
Q4 2027
Payment Plan
50/50
Down Payment
10%
Livel Residenza
Vantage PropertiesFrom
AED 795,000
Handover
Q4 2026
Payment Plan
50/50
Down Payment
10%
Luzora Residence
Dia DevelopmentBeach Residences Dubai Islands, Rixos Dubai Islands Hotel & Residences, Dubai Islands, Dubai, UAE
From
AED 1,767,178
Handover
Q2 2027
Payment Plan
50/50
Down Payment
10%
Manchester City Yas Residences by Ohana
Ohana DevelopmentsFrom
AED 2,000,000
Handover
Q4 2029
Payment Plan
50/50
Down Payment
10%
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.