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20/80 payment plan

You pay 20% in instalments while the project is under construction and the remaining 80% on handover. Developers set the instalment dates and the booking amount per project — the project page carries the schedule we hold.

20%
80%

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

  1. 20%During construction 300,000
  2. 80%On handover 1,200,000

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.

48 projects currently offer this plan

Developer Deal
Nakheel

Palm Views East

Nakheel

Palm Jumeirah, Dubai, UAE

Special Payment Plan: ADCB off-plan financing access after 50% paid to NakheelEligible Palm Jebel Ali buyers can access ADCB home-financing solutions after paying 50% of the property's value to Nakheel, irrespective of construction progress. The offer also includes financing pre-approval validity of up to 18 months, pricing from 3.49% per annum fixed for three years, waived processing and valuation fees, digital onboarding, exclusive rewards, and access to ADCB Mortgage Centers.

From

1,450,000

Handover

Q4 2014

Payment Plan

20/80

Down Payment

20%

View

VR Vake Sky Tower

VR Holding

From

101,000

Handover

Q4 2031

Payment Plan

20/80

Down Payment

20%

View

MIRAGGIO

Source of Fate

Miraggio, Al Marjan Island, Ras Al Khaimah, UAE

From

1,200,000

Handover

Q4 2028

Payment Plan

20/80

Down Payment

20%

View

Bali Residences

Bali Builders & Developers Ltd

JVT District 3, Jumeirah Village Triangle (JVT), Dubai, UAE

From

385,000

Handover

Q4 2024

Payment Plan

20/80

Down Payment

20%

View
Emaar

Yasmin Villas

Emaar

Arabian Ranches 2, Dubai, UAE

From

5,000,000

Handover

Q4 2018

Payment Plan

20/80

Down Payment

20%

View
Emaar

Socio Tower

Emaar

Dubai Hills Estate, Dubai, UAE

From

661,000

Handover

Q3 2023

Payment Plan

20/80

Down Payment

20%

View
ALDAR

Al Muneera

ALDAR

Al Raha Beach, Abu Dhabi, UAE

From

Price on request

Handover

Q4 2011

Payment Plan

20/80

Down Payment

20%

View

La Residenza By Dalands

Dalands

Jumeirah Village Circle (JVC), Dubai, UAE

From

795,000

Handover

Q4 2024

Payment Plan

20/80

Down Payment

20%

View

Nudra

Imkan

Saadiyat Cultural District, Saadiyat Island, Abu Dhabi, UAE

From

9,170,000

Handover

Q4 2025

Payment Plan

20/80

Down Payment

20%

View
Nshama

UNA Apartments

Nshama

Town Square, Dubai, UAE

From

425,625

Handover

Q1 2021

Payment Plan

20/80

Down Payment

20%

View
Time Properties

Arabian Gate 1 By Time Properties

Time Properties

Dubai Land Residence Complex (DLRC), Dubai, UAE

From

430,000

Handover

Q4 2022

Payment Plan

20/80

Down Payment

20%

View
DAMAC Properties

Akoya Park

DAMAC Properties

DAMAC Hills, Dubai, UAE

From

2,000,000

Handover

—

Payment Plan

20/80

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.