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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

Trevino
Avelon Developments

Trevino

Avelon Developments

JVC District 15, Jumeirah Village Circle (JVC), Dubai, UAE

From

AED 759,500

Handover

Q2 2027

Payment Plan

60/40

Down Payment

20%

View
Trussardi Residences Phase Two
Mira Developments

Trussardi Residences Phase Two

Mira Developments

Al Furjan, Dubai, UAE

From

AED 1,138,250

Handover

Q3 2027

Payment Plan

60/40

Down Payment

10%

View
V1V1D Tower
Object 1

V1V1D Tower

Object 1

Jumeirah Village Triangle (JVT), Dubai, UAE

From

AED 908,148

Handover

Q3 2026

Payment Plan

60/40

Down Payment

10%

View
Valencia
DAMAC Properties

Valencia

DAMAC Properties

DAMAC Lagoons, Dubai, UAE

From

AED 725,000

Handover

Q1 2029

Payment Plan

60/40

Down Payment

5%

View
VERDAN1A 4
Object 1

VERDAN1A 4

Object 1

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

From

AED 1,117,607

Handover

Q2 2028

Payment Plan

60/40

Down Payment

10%

View
W1NNER
On Sale
Object 1

W1NNER

Object 1

From

AED 1,456,697

Handover

Q1 2026

Payment Plan

60/40

Down Payment

10%

View
Weybridge Gardens 3

Weybridge Gardens 3

LEOS

Dubailand, Dubai, UAE

From

AED 811,870

Handover

Q3 2026

Payment Plan

60/40

Down Payment

20%

View
Wynwood
On Sale
Imtiaz

Wynwood

Imtiaz

Beach Residences Dubai Islands, Rixos Dubai Islands Hotel & Residences, Dubai Islands, Dubai, UAE

From

AED 4,499,695

Handover

Q3 2027

Payment Plan

60/40

Down Payment

20%

View
Y Views at Bayn

Y Views at Bayn

ORA Developers

From

AED 22,020,000

Handover

Q4 2029

Payment Plan

60/40

Down Payment

10%

View
Yachtside Marina Residences
On Sale

Yachtside Marina Residences

SOBHA

From

AED 1,417,779

Handover

Q2 2029

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.