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60/40 payment plan

You pay 60% in instalments while the project is under construction and the remaining 40% on handover. Developers set the instalment dates and the booking amount per project — the project page carries the schedule we hold.

60%
40%

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. 60%During constructionAED 900,000
  2. 40%On handoverAED 600,000

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.

408 projects currently offer this plan

Developer DealNew Launch
Imtiaz Developments

The Archive by Imtiaz

Imtiaz Developments

The Archive by Imtiaz, Dubai Land Residence Complex (DLRC), Dubai, UAE

Post HandoverThe source explicitly offers a 40% post-handover payment component, which may improve buyer cash-flow flexibility.

From

666,000

Handover

Q3 2028

Payment Plan

60/40

Down Payment

20%

View
Developer DealOn Sale
SOBHA

Sobha Sanctuary

SOBHA

Sobha Sanctuary, Dubai, UAE

DLD Waiver: 4%An explicit 4% Dubai Land Department waiver is advertised for the 4BR corner townhouse, stated to save AED 228,757. This reduces upfront acquisition costs for the advertised unit.
DLD Waiver: 2%2% DLD waiver for Sobha Sanctuary explicitly stated in the message caption.

From

4,150,000

Handover

Q3 2029

Payment Plan

60/40

Down Payment

20%

View
Developer Deal
Mered

Riviera by MERED

Mered

Al Reem Island, Abu Dhabi, UAE

Special Discount: 14%An explicit 14% purchase discount is stated for ready units in Riviera, providing a material price incentive for sales discussions.

From

1,500,000

Handover

Q1 2030

Payment Plan

60/40

Down Payment

15%

View
Developer DealOn Sale
SOBHA

The Pinnacle at Sobha Central

SOBHA

Sobha Central, Dubai, UAE

DLD Waiver: 4%4% DLD waiver for Sobha Central/The Pinnacle.
DLD Waiver: 2%2% DLD waiver for The Pinnacle at Sobha Central, explicitly stated in the quotation caption.
Special Payment Plan: 20/80Quotation pages for The Pinnacle at Sobha Central explicitly show a 20/80 installment plan.

From

1,779,057

Handover

Q4 2030

Payment Plan

60/40

Down Payment

20%

View
Developer DealOn Sale
Imtiaz Developments

Sunset Bay Grand

Imtiaz Developments

Dubai Islands, Dubai, UAE

Special Discount: 5%Explicit 5% discount included in the ending-soon offer for Sunset Bay Grand.

From

1,950,000

Handover

Q4 2027

Payment Plan

60/40

Down Payment

20%

View
Developer Deal
Iman Developers

Sierra

Iman Developers

Motor City, Dubai, UAE

Special Discount: 8%8% discount for Sierra by Iman in Motor City.
Special Payment Plan: 40/60The same Motor City 2BR cancellation listing includes a 40/60 payment plan.

From

880,348

Handover

Q2 2029

Payment Plan

60/40

Down Payment

20%

View
Developer DealOn Sale
Beyond

Passo

Beyond

Palm Jumeirah, Dubai, UAE

Special Discount: 2%Current BEYOND first-time-home-buyer offer for eligible direct customers, with a 2% property-price discount on off-plan units, one year of free service charges, one-day early access before official sales launches, and a 50% during construction / 50% on handover payment structure. A DLD first-time-home-buyer QR code or certificate is required; terms apply.

From

4,146,000

Handover

Q4 2029

Payment Plan

60/40

Down Payment

10%

View
Developer Deal

Avida Residences

Serene Marina Real Estate Development

Dubai Islands, Dubai, UAE

Special Discount: 5%Explicit broker commission incentive for Avida Residences.
Special Discount: 3.5%3.5% purchase discount tied to the 60/40 non-post-handover plan.

From

1,790,000

Handover

Q4 2027

Payment Plan

60/40

Down Payment

20%

View
Developer Deal
ALDAR

Rise by Athlon

ALDAR

Dubailand, Dubai, UAE

DLD Waiver: AED 68,768The offer explicitly waives the DLD fee for Rise By Athlon 2 unit Cyan-14-06. This reduces buyer closing costs and is directly supported by the stated waived amount.
DLD Waiver: AED 68,135The offer explicitly waives the DLD fee for Rise By Athlon 1 unit Teal-03-06. This reduces buyer closing costs and is directly supported by the stated waived amount.

From

1,350,000

Handover

Q1 2030

Payment Plan

60/40

Down Payment

5%

View
Developer DealOn Sale
Imtiaz Developments

Wynwood Horizon

Imtiaz Developments

Meydan, Dubai, UAE

Special Discount: 5%A 5% discount is explicitly listed for Wynwood Horizon together with a 20/80 payment plan.

From

1,800,000

Handover

Q2 2028

Payment Plan

60/40

Down Payment

20%

View
Developer DealOn Sale
Iman Developers

15 Cascade

Iman Developers

Motor City, Dubai, UAE

Special Discount: 5%A 5% broker commission incentive is explicitly advertised for 15 CASCADE.
Special Discount: 4%A 4% purchase discount is explicitly advertised for 15 CASCADE.

From

879,862

Handover

Q3 2028

Payment Plan

60/40

Down Payment

20%

View
Developer Deal
Acube Developers

Vega

Acube Developers

Dubai Sports City, Dubai, UAE

Special Discount: AED 10,000A fixed 10K bonus is explicitly advertised alongside the broker commission incentive for the VEGA 2BR offering.
Special Discount: 7%Explicit 7% bonus advertised in the source message.
Special Discount: 5%A 5% purchase discount is explicitly advertised for VEGA, reducing the stated acquisition cost if applicable to the selected unit.

From

892,476

Handover

Q2 2027

Payment Plan

60/40

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.