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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

  1. 70%During constructionAED 1,050,000
  2. 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

Breez

Breez

Danube

From

AED 1,308,000

Handover

Q1 2029

Payment Plan

70/30

Down Payment

20%

View
Damac District
DAMAC Properties

Damac District

DAMAC Properties

DAMAC Hills, Dubai, UAE

From

AED 781,000

Handover

Q1 2029

Payment Plan

70/30

Down Payment

20%

View
Binghatti Hillside
Binghatti

Binghatti Hillside

Binghatti

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

From

AED 775,000

Handover

Q2 2026

Payment Plan

70/30

Down Payment

20%

View
Capri Riverside Views
DAMAC Properties

Capri Riverside Views

DAMAC Properties

DAMAC Riverside, Dubai, UAE

From

AED 993,000

Handover

Q1 2029

Payment Plan

70/30

Down Payment

20%

View
Bloom Living Marbella

Bloom Living Marbella

Bloom Properties

Marbella, Bloom Living, Zayed City, Abu Dhabi, UAE

From

AED 3,900,000

Handover

Q4 2028

Payment Plan

70/30

Down Payment

10%

View
Breez by Danube
Danube Properties

Breez by Danube

Danube Properties

Breez by Danube, Dubai Maritime City, Dubai, UAE

From

AED 1,450,000

Handover

Q1 2029

Payment Plan

70/30

Down Payment

10%

View
Avana Residences

Avana Residences

DECA Development

Hyati Avenue, JVC District 14, Jumeirah Village Circle (JVC), Dubai, UAE

From

AED 746,414

Handover

Q4 2027

Payment Plan

70/30

Down Payment

20%

View
Binghatti Flare
Binghatti

Binghatti Flare

Binghatti

Jumeirah Village Triangle (JVT), Dubai, UAE

From

AED 1,321,639

Handover

Q2 2027

Payment Plan

70/30

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.