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Post-handover payment plans

Part of the price is paid after handover, in instalments over one to several years, while you already own — and can let — the unit. The split and the term are set per project; the project page carries the schedule we hold.

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.

Post-handover terms vary too much between projects for one worked example — the length of the tail and the share paid after keys are set per project. Open a project below for its own schedule.

5 projects currently offer this plan

The Archive by Imtiaz
Developer DealNew Launch
Imtiaz Developments

The Archive by Imtiaz

Imtiaz Developments

The Archive by Imtiaz, Dubai Land Residence Complex (DLRC), Dubai, UAE

Post HandoverThe source explicitly offers a 40% post-handover payment component, which may improve buyer cash-flow flexibility.

From

AED 666,000

Handover

Q3 2028

Payment Plan

60/40

Down Payment

20%

View
The Central Downtown
Developer Deal

The Central Downtown

Aqua

Al Barsha, Dubai, UAE

Special Discount: AED 50,000Cash bonus offer for 3-bedroom units.
Special Discount: AED 40,000Cash bonus offer for 2-bedroom units.
Special Discount: AED 20,000Cash bonus offer for 1-bedroom units.

+1 more

From

AED 943,272

Handover

Q4 2028

Payment Plan

50/50

Down Payment

10%

View
Auresta Tower
Developer DealOn Sale
Tiger Properties

Auresta Tower

Tiger Properties
DLD WaiverSource explicitly states full cash payment with DLD waiver.
Special Discount: 45%Auresta advertises an up-to-45% purchase discount on newly released units, materially improving the entry proposition for eligible buyers.
Special Discount: 20%Plan B offers an explicit 20% purchase discount for fully furnished studios at Auresta Tower.

+3 more

From

AED 727,752

Handover

Q4 2028

Payment Plan

60/40

Down Payment

20%

View
Faradis Tower
Developer DealOn Sale
Tiger Properties

Faradis Tower

Tiger Properties

Al Mamzar, Sharjah, UAE

Post HandoverFaradis Tower explicitly defers 80% of the purchase price until handover, materially reducing the initial cash requirement.

From

AED 1,786,473

Handover

Q1 2027

Payment Plan

70/30

Down Payment

10%

View
Trio Isle
Developer DealOn Sale

Trio Isle

OCTA Properties

Al Marjan Island, Ras Al Khaimah, UAE

Post HandoverUpdated inventory message explicitly states Trio Isle has a 5-year PHPP.

From

AED 2,950,888

Handover

Q4 2027

Payment Plan

60/40

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.