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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.

339 projects currently offer this plan

The Archive by Imtiaz
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

AED 666,000

Handover

Q3 2028

Payment Plan

60/40

Down Payment

20%

View
Sobha Sanctuary
Developer DealOn Sale

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

AED 4,150,000

Handover

Q3 2029

Payment Plan

60/40

Down Payment

20%

View
The Pinnacle at Sobha Central
Developer DealOn Sale

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

AED 1,779,057

Handover

Q4 2030

Payment Plan

60/40

Down Payment

20%

View
Sunset Bay Grand
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

AED 1,950,000

Handover

Q4 2027

Payment Plan

60/40

Down Payment

20%

View
Sierra
Developer Deal
Iman Developers

Sierra

Iman Developers

Motor City, Dubai, UAE

Special Discount: 8%A 2BR cancellation unit in Motor City is advertised at AED 1,860,824 with an 8% discount.
Special Payment Plan: 40/60The same Motor City 2BR cancellation listing includes a 40/60 payment plan.

From

AED 880,348

Handover

Q2 2029

Payment Plan

60/40

Down Payment

20%

View
Rise by Athlon
Developer Deal

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

AED 1,350,000

Handover

Q1 2030

Payment Plan

60/40

Down Payment

5%

View
Wynwood Horizon
Developer Deal
Imtiaz Developments

Wynwood Horizon

Imtiaz Developments

Meydan, Dubai, UAE

Special Discount: 5%Explicit 5% discount included in the ending-soon offer for Wynwood Horizon.

From

AED 1,800,000

Handover

Q2 2028

Payment Plan

60/40

Down Payment

20%

View
Vega
Developer Deal

Vega

Acube Developers

Dubai Sports City, Dubai, UAE

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

AED 892,476

Handover

Q2 2027

Payment Plan

60/40

Down Payment

20%

View
Mackerel Tower
Developer Deal
Tarrad Development

Mackerel Tower

Tarrad Development

Dubai Islands, Dubai, UAE

Special Discount: 8%An explicit 8% commission incentive is attached to the advertised 4-bedroom penthouse, making it commercially relevant for broker sales efforts. The source does not specify the commission basis or eligibility conditions.

From

AED 2,823,031

Handover

Q4 2026

Payment Plan

60/40

Down Payment

15%

View
Vela Viento
Developer Deal

Vela Viento

Omniyat Properties

Vela Viento, Business Bay, Dubai, UAE

Special Discount: 5%The Business Bay projects PDF explicitly lists a 5% commission for Vela Viento in Marasi Bay, providing a broker sales incentive.

From

AED 25,750,368

Handover

Q4 2027

Payment Plan

60/40

Down Payment

5%

View
Chelsea Residences
Developer Deal
DAMAC Properties

Chelsea Residences

DAMAC Properties
DLD Waiver: 4%Explicit 4% Dubai Land Department waiver promotion for Chelsea Residences by DAMAC - Tower C.
Special Discount: 4%Explicit 4% rebate promotion for Chelsea Residences by DAMAC - Tower C.

From

AED 2,160,000

Handover

Q2 2030

Payment Plan

60/40

Down Payment

20%

View
Auresta Tower
Developer DealOn Sale
Tiger Properties

Auresta Tower

Tiger Properties
DLD WaiverSource explicitly states full cash payment with DLD waiver.
Special Discount: 45%The cash offer advertises an explicit 45% purchase discount, with starting pricing of AED 448K.
Special Discount: 20%Plan B offers an explicit 20% purchase discount for fully furnished studios at Auresta Tower.

+3 more

From

AED 727,752

Handover

Q4 2028

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.