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.

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70/30 payment plan

You pay 70% in instalments while the project is under construction and the remaining 30% on handover. Developers set the instalment dates and the booking amount per project — the project page carries the schedule we hold.

70%

30%

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)

70%During constructionAED 1,050,000
30%On handoverAED 450,000

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.

145 projects currently offer this plan

Developer Deal

Greenz by Danube

Danube Properties

Greenz by Danube, Dubai, UAE

Special Discount: AED 25,000

Special Discount: AED 20,000

Special Discount: AED 15,000

From

AED 3,500,000

Handover

Q4 2029

Payment Plan

70/30

Down Payment

10%

View

Developer Deal

Ashley Hills

TownX

Art of Living, Al Barsha 2, Al Barsha, Dubai, UAE

DLD Waiver: 4%

From

AED 839,000

Handover

Q1 2027

Payment Plan

70/30

Down Payment

30%

View

Developer DealOn Sale

Faradis Tower

Tiger Properties

Al Mamzar, Sharjah, UAE

Post Handover

From

AED 1,786,473

Handover

Q1 2027

Payment Plan

70/30

Down Payment

10%

View

⁠Everly Place MBR

Ellington Properties Development

Meydan Horizon, Dubai, UAE

From

AED 1,900,000

Handover

Q2 2030

Payment Plan

70/30

Down Payment

20%

View

On Sale

Binghatti Wraith

Binghatti

Binghatti Wraith, Al Jaddaf, Dubai, UAE

From

AED 800,000

Handover

Q1 2029

Payment Plan

70/30

Down Payment

20%

View

On Sale

Vision Iconic Tower

Binghatti

Meydan, Dubai, UAE

From

AED 2,600,000

Handover

Q2 2028

Payment Plan

70/30

Down Payment

20%

View

On Sale

Binghatti Skyflame

Binghatti

Majan, Dubai, UAE

From

AED 699,999

Handover

Q4 2027

Payment Plan

70/30

Down Payment

20%

View

Meriva Collection Dubai Islands

Ellington Properties

Dubai Islands, Dubai, UAE

From

AED 2,700,000

Handover

Q2 2030

Payment Plan

70/30

Down Payment

20%

View

Tonino Lamborghini by BNW

BNW Developments

From

AED 1,690,000

Handover

Q1 2029

Payment Plan

70/30

Down Payment

10%

View

Binghatti Ruby

Binghatti

Jumeirah Village Circle (JVC), Dubai, UAE

From

AED 4,594,794

Handover

Q4 2026

Payment Plan

70/30

Down Payment

20%

View

On Sale

Maybach 6

Binghatti

Meydan, Dubai, UAE

From

AED 1,350,000

Handover

Q3 2027

Payment Plan

70/30

Down Payment

10%

View

On Sale

Vision Mercedes-Maybach Ultimate Luxury

Binghatti

Meydan, Dubai, UAE

From

AED 1,350,000

Handover

Q3 2027

Payment Plan

70/30

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.