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100/0 payment plan

The price is split 100/0: the first tranche during construction, the last on or after handover, and the rest as instalments between. Developers set the dates 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.

Worked example

This structure does not read as a percentage split, so no example can be drawn.

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.

238 projects currently offer this plan

Al Shaiba Building G25

Private Developer

Al Shaiba Building G25, Dubai Production City (IMPZ), Dubai, UAE

From

515,000

Handover

Q4 2016

Payment Plan

100/0

Down Payment

15%

Al Shaiba Towers

Al Shaibha Family

Barsha Heights (Tecom), Dubai, UAE

From

Price on request

Handover

Q4 2008

Payment Plan

100/0

Down Payment

100%

Al Tameer Building

Private Developer

Al Tameer Building, Al Barsha 1, Al Barsha, Dubai, UAE

From

1,000,000

Handover

Q4 2014

Payment Plan

100/0

Down Payment

20%

Al Tayer Building

Al Tayer Group

Al Nahda (Sharjah), Sharjah, UAE

From

Price on request

Handover

Q4 2004

Payment Plan

100/0

Down Payment

100%

Al Telal 10

Modern Real Estate

Dubai Silicon Oasis (DSO), Dubai, UAE

From

Price on request

Handover

Q4 2016

Payment Plan

100/0

Down Payment

100%

Al Telal 5 Building

Private Developer

Al Telal 5 Building, Al Barsha 1, Al Barsha, Dubai, UAE

From

1,000,000

Handover

Q4 2014

Payment Plan

100/0

Down Payment

10%

Al Thuraya Building

Private Developer

Dubai Silicon Oasis (DSO), Dubai, UAE

From

450,000

Handover

Q4 2006

Payment Plan

100/0

Down Payment

100%

Meraas

Al Warsan

Meraas

Al Warsan, Dubai, UAE

From

1,100,000

Handover

Q4 2016

Payment Plan

100/0

Down Payment

100%

Al Wazir Building

Al Wazir Real Estate

International City Phase 2 (Warsan 4), Dubai, UAE

From

280,000

Handover

—

Payment Plan

100/0

Down Payment

100%

Al Yarmouk

Al Mazaya Real Estate

Queue Point, Liwan, Dubai, UAE

From

320,000

Handover

Q4 2014

Payment Plan

100/0

Down Payment

100%

On Sale
Arada

Aljada East Village The Riff

Arada

Aljada, Sharjah, UAE

From

794,000

Handover

Q4 2022

Payment Plan

100/0

Down Payment

100%

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.