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.

65/35 Payment Plan Projects in Dubai & the UAE

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

Property price (AED)

65%During constructionAED 975,000
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.

30 projects currently offer this plan

Developer Deal

Sanctuary by Prestige One

Prestige One Developments

Meydan Horizon, Dubai, UAE

DLD Waiver: 4%· until 15 Sept 2026

Special Discount: 7%· until 15 Sept 2026

From

AED 1,840,000

Handover

Q4 2028

Payment Plan

65/35

Down Payment

20%

View

Roudah Expo Valley Views

Expo City

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

From

AED 1,690,000

Handover

Q4 2029

Payment Plan

65/35

Down Payment

10%

View

Q Gardens Aliya

AYS Property Development

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

From

AED 1,750,000

Handover

Q4 2027

Payment Plan

65/35

Down Payment

20%

View

OMYA Residences by Pantheon

Pantheon Properties Ltd

Wasl Gate, Dubai, UAE

From

AED 624,900

Handover

Q2 2028

Payment Plan

65/35

Down Payment

—

View

The Wilds Residences

ALDAR

The Wilds, Dubai, UAE

From

AED 1,600,000

Handover

Q2 2030

Payment Plan

65/35

Down Payment

View

Hilton Residences

Emirates Developments

Hilton Residences, Dubai Maritime City, Dubai, UAE

From

AED 2,800,000

Handover

Q4 2028

Payment Plan

65/35

Down Payment

20%

View

The Row Saadiyat

ALDAR

Saadiyat Cultural District, Saadiyat Island, Abu Dhabi, UAE

From

AED 3,700,000

Handover

Q1 2030

Payment Plan

65/35

Down Payment

View

The Wilds Residences

Aldar Properties

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

From

AED 1,675,700

Handover

Q2 2030

Payment Plan

65/35

Down Payment

View

The Beach House Fahid

ALDAR

Fahid Island, Abu Dhabi, UAE

From

AED 1,800,000

Handover

Q4 2029

Payment Plan

65/35

Down Payment

10%

View

Fahid Beach Residences

ALDAR

Fahid Beach Residences, Fahid Island, Abu Dhabi, UAE

From

AED 3,500,000

Handover

Q1 2029

Payment Plan

65/35

Down Payment

10%

View

Coastal Haven

Prestige One

Dubai Islands, Dubai, UAE

From

AED 2,650,000

Handover

Q4 2027

Payment Plan

65/35

Down Payment

20%

View

Naya 2

Nakheel

District One, Dubai, UAE

From

AED 1,900,000

Handover

Q3 2027

Payment Plan

65/35

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.