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65/35 payment plan

You pay 65% in instalments while the project is under construction and the remaining 35% on handover. Developers set the instalment dates and the booking amount per project — the project page carries the schedule we hold.

65%
35%

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. 65%During constructionAED 975,000
  2. 35%On handoverAED 525,000

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.

35 projects currently offer this plan

Developer Deal
Meraas

The Acres

Meraas

Ikarus Building, Dubai Production City (IMPZ), Dubai, UAE

Special Payment Plan: ADCB off-plan financing access after 50% paid to MeraasEligible buyers at Meraas' The Acres can access ADCB home-financing solutions after paying 50% of the property's value to the developer, irrespective of construction progress. The offer also includes financing pre-approval validity of up to 18 months, pricing from 3.49% per annum fixed for three years, waived processing and valuation fees, digital onboarding, exclusive rewards, and access to ADCB Mortgage Centers.
Special Payment Plan: ADCB off-plan financing after 50% paid to MeraasEligible buyers can access ADCB home-financing solutions after paying 50% of the property's value to Meraas, irrespective of construction progress.

From

5,090,000

Handover

Q3 2027

Payment Plan

65/35

Down Payment

10%

View

Roudah Expo Valley Views

Expo City

Expo Valley Views, Expo Valley, Expo City, Dubai, UAE

From

1,690,000

Handover

Q4 2029

Payment Plan

65/35

Down Payment

10%

View
AYS Property Development

Q Gardens Aliya

AYS Property Development

JVC District 12, Jumeirah Village Circle (JVC), Dubai, UAE

From

1,750,000

Handover

Q4 2027

Payment Plan

65/35

Down Payment

20%

View
Pantheon Properties Ltd

OMYA Residences by Pantheon

Pantheon Properties Ltd

Wasl Gate, Dubai, UAE

From

624,900

Handover

Q2 2028

Payment Plan

65/35

Down Payment

—

View
Prestige One Developments

Sanctuary by Prestige One

Prestige One Developments

Meydan Horizon, Dubai, UAE

From

1,840,000

Handover

Q4 2028

Payment Plan

65/35

Down Payment

20%

View
ALDAR

The Wilds Residences

ALDAR

The Wilds, Dubai, UAE

From

1,600,000

Handover

Q2 2030

Payment Plan

65/35

Down Payment

5%

View
Emirates Developments

Hilton Residences

Emirates Developments

Hilton Residences, Dubai Maritime City, Dubai, UAE

From

2,800,000

Handover

Q4 2028

Payment Plan

65/35

Down Payment

20%

View
ALDAR

The Row Saadiyat

ALDAR

Saadiyat Cultural District, Saadiyat Island, Abu Dhabi, UAE

From

3,700,000

Handover

Q1 2030

Payment Plan

65/35

Down Payment

5%

View
Aldar Properties

The Wilds Residences

Aldar Properties

The Wilds Residences 2, The Wilds Residences, The Wilds, Dubai, UAE

From

1,675,700

Handover

Q2 2030

Payment Plan

65/35

Down Payment

5%

View
ALDAR

The Beach House Fahid

ALDAR

Fahid Island, Abu Dhabi, UAE

From

1,800,000

Handover

Q4 2029

Payment Plan

65/35

Down Payment

10%

View
ALDAR

Fahid Beach Residences

ALDAR

Fahid Beach Residences, Fahid Island, Abu Dhabi, UAE

From

3,500,000

Handover

Q1 2029

Payment Plan

65/35

Down Payment

10%

View
On Sale

SOLERA

RAK Properties

Ras Al Khaimah, UAE

From

768,000

Handover

Q2 2028

Payment Plan

65/35

Down Payment

10%

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.