Estimated Value AdvantageVerified motivated-seller listingsOff-Plan AssignmentsExclusive Investment OpportunitiesNew opportunities added dailyFree for investors
hotdeals.ae

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.

15 projects currently offer this plan

Developer DealOn Sale

Listone Residence

Lionstone Development

International City, Dubai, UAE

Post HandoverExplicit post-handover payment option for studio units, with 50% due over two years after handover.

From

605,888

Handover

Q4 2027

Payment Plan

50/50

Down Payment

10%

View
Developer DealOn Sale
OCTA Properties

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

2,950,888

Handover

Q4 2027

Payment Plan

60/40

Down Payment

20%

View
Developer Deal
Urban Properties Development

Urban Life

Urban Properties Development

Canal Heights 2, Business Bay, Dubai, UAE

Special Discount: 5%A 5% broker commission incentive is stated, with SPA payout within 3 days, making the project commercially relevant for broker sales activity.
Post HandoverThe attached payment-plan artwork specifies that 50% of the 1 BHK purchase price is payable over three years after handover, materially reducing the pre-handover funding requirement.

From

1,890,749

Handover

Q2 2026

Payment Plan

30/70

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.