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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.

37 projects currently offer this plan

Developer DealOn Sale
Wadan Developments

Weston

Wadan Developments

Dubai Land Residence Complex (DLRC), Dubai, UAE

Special Discount: 17%A 17% purchase discount is explicitly offered for buyers paying 100% upfront, creating a material price incentive for cash purchasers.
Special Discount: 7%A 7% price reduction is explicitly offered for buyers using the 50/50 before-handover payment plan, improving the effective acquisition price.
Post HandoverThe 60/40 PHPP option explicitly defers 40% of the purchase price across installments after completion, extending buyer payments into the post-handover period.

From

650,000

Handover

Q4 2028

Payment Plan

45/55

Down Payment

15%

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.