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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80/20 payment plan

You pay 80% in instalments while the project is under construction and the remaining 20% on handover. Developers set the instalment dates and the booking amount per project — the project page carries the schedule we hold.

80%

20%

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)

80%During constructionAED 1,200,000
20%On handoverAED 300,000

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.

127 projects currently offer this plan

The Palace Villas Ostra

Emaar

From

AED 13,100,000

Handover

Q2 2029

Payment Plan

80/20

Down Payment

10%

View

Tierra Address Villas

Emaar

Tierra Address Villas, The Oasis by Emaar, Dubai, UAE

From

AED 13,160,000

Handover

Q2 2029

Payment Plan

80/20

Down Payment

10%

View

Hillsedge

Emaar

From

AED 1,982,888

Handover

Q1 2029

Payment Plan

80/20

Down Payment

10%

View

Parkwood

Emaar

Parkwood, Dubai Hills Estate, Dubai, UAE

From

AED 1,710,000

Handover

Q1 2029

Payment Plan

80/20

Down Payment

10%

View

Emaar

From

AED 9,180,000

Handover

Q4 2028

Payment Plan

80/20

Down Payment

10%

View

Ocean Cove

Emaar

From

AED 3,229,888

Handover

Q2 2028

Payment Plan

80/20

Down Payment

10%

View

THE GREAT ESCAPE 2

DarGlobal

From

AED 237,000

Handover

Q2 2029

Payment Plan

80/20

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.