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90/10 payment plan

You pay 90% in instalments while the project is under construction and the remaining 10% on handover. Developers set the instalment dates and the booking amount per project — the project page carries the schedule we hold.

90%
10%

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. 90%During constructionAED 1,350,000
  2. 10%On handoverAED 150,000

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.

70 projects currently offer this plan

Club Drive
Emaar

Club Drive

Emaar

From

AED 1,559,888

Handover

Q1 2028

Payment Plan

90/10

Down Payment

10%

View
Elva at The Valley
Emaar

Elva at The Valley

Emaar

Elva, The Valley by Emaar, Dubai, UAE

From

Price on request

Handover

Q4 2028

Payment Plan

90/10

Down Payment

10%

View
Golf Acres
Emaar

Golf Acres

Emaar

Emaar South, Dubai South, Dubai, UAE

From

Price on request

Handover

Q4 2028

Payment Plan

90/10

Down Payment

10%

View
Golf Edge
Emaar

Golf Edge

Emaar

Emaar South, Dubai South, Dubai, UAE

From

Price on request

Handover

Q1 2029

Payment Plan

90/10

Down Payment

10%

View
Greenridge
Emaar

Greenridge

Emaar

Emaar South, Dubai South, Dubai, UAE

From

Price on request

Handover

Q4 2028

Payment Plan

90/10

Down Payment

10%

View
Greenspoint Emaar South
Emaar

Greenspoint Emaar South

Emaar

Emaar South, Dubai South, Dubai, UAE

From

Price on request

Handover

Q1 2029

Payment Plan

90/10

Down Payment

10%

View
Greenville
Emaar

Greenville

Emaar

Emaar South, Dubai South, Dubai, UAE

From

Price on request

Handover

Q1 2029

Payment Plan

90/10

Down Payment

10%

View
Marina Place
Emaar

Marina Place

Emaar

From

Price on request

Handover

Q4 2028

Payment Plan

90/10

Down Payment

10%

View
Marina Views
Emaar

Marina Views

Emaar

From

Price on request

Handover

Q4 2028

Payment Plan

90/10

Down Payment

10%

View
Ocean Star
Emaar

Ocean Star

Emaar

Ocean Star, Mina Rashid, Dubai, UAE

From

Price on request

Handover

Q3 2028

Payment Plan

90/10

Down Payment

10%

View
Oria
Emaar

Oria

Emaar

From

Price on request

Handover

Q2 2028

Payment Plan

90/10

Down Payment

10%

View
Ovelle The Valley
Emaar

Ovelle The Valley

Emaar

Ikarus Building, Dubai Production City (IMPZ), Dubai, UAE

From

AED 8,897,888

Handover

Q4 2029

Payment Plan

90/10

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.