Off Plan Payment Plans Explained
A UAE off plan payment plan splits the price into a down payment (often 10–20%), installments during construction, and a balance at handover. Common splits are 40/60, 60/40 and 80/20; post-handover plans let you keep paying after you receive the keys.
How payment plans work
Instead of paying in full, you pay a down payment on booking, then installments linked to construction progress or set dates, with the remainder due at handover. This lets buyers enter with a fraction of the price upfront.
What does 40/60 or 60/40 mean?
The two numbers are the split between during-construction and on-handover. A 40/60 plan means 40% is paid across construction and 60% at handover; 60/40 is the reverse. An 80/20 plan is 80% during construction and 20% at handover.
Post-handover payment plans
Some developers offer post-handover plans where you continue paying installments for 1–5 years after receiving the keys — useful for buyers who want to move in or rent while still paying.
Which developers offer the best plans?
Plans vary by project. Browse Emaar, Damac, Sobha and other developers to compare current payment plans.
Frequently Asked Questions
What is the down payment for off plan in Dubai?
Down payments are typically 10–20% of the property price, paid on booking, though some launches start as low as 5%.
What is a post-handover payment plan?
It lets you pay part of the price in installments after the property is handed over, often over 1–5 years.
