From
AED 1,800,000
Handover
Q3 2027
Payment Plan
70/30
Down Payment
10%
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
- 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
On Sale
Samana Ivy Gardens 2
Samana DevelopersAl Manal Residence 1, Al Manal Residence, Dubai Silicon Oasis (DSO), Dubai, UAE
From
AED 659,000
Handover
Q4 2027
Payment Plan
70/30
Down Payment
20%
From
AED 750,000
Handover
Q1 2027
Payment Plan
70/30
Down Payment
20%
From
AED 6,460,000
Handover
Q4 2027
Payment Plan
70/30
Down Payment
20%
On Sale
From
AED 2,130,000
Handover
Q1 2027
Payment Plan
70/30
Down Payment
20%
From
AED 7,613,000
Handover
Q3 2027
Payment Plan
70/30
Down Payment
10%
Hillmont Residences
Ellington PropertiesHillmont Residences, JVC District 15, Jumeirah Village Circle (JVC), Dubai, UAE
From
AED 1,330,000
Handover
Q4 2026
Payment Plan
70/30
Down Payment
20%
Lagoon Views
DAMAC PropertiesFrom
AED 979,000
Handover
Q1 2027
Payment Plan
70/30
Down Payment
20%
F1FTH Tower
Object One Real Estate DevelopmentFrom
AED 576,000
Handover
Q4 2026
Payment Plan
70/30
Down Payment
20%
From
AED 1,989,000
Handover
Q4 2026
Payment Plan
70/30
Down Payment
5%
From
AED 650,000
Handover
Q2 2027
Payment Plan
70/30
Down Payment
20%
From
AED 10,299,999
Handover
Q4 2026
Payment Plan
70/30
Down Payment
5%
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.