On Sale
40/60 payment plan
You pay 40% in instalments while the project is under construction and the remaining 60% on handover. Developers set the instalment dates and the booking amount per project — the project page carries the schedule we hold.
40%
60%
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
- 40%During construction 600,000
- 60%On handover 900,000
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.
193 projects currently offer this plan
On Sale
Marea Residence
Sharafi Real-EstateBeach Residences Dubai Islands, Rixos Dubai Islands Hotel & Residences, Dubai Islands, Dubai, UAE
From
2,749,440
Handover
Q3 2027
Payment Plan
40/60
Down Payment
5%
Norah Residence
Al Tareq Star Real Estate DevelopmentHyati Avenue, JVC District 14, Jumeirah Village Circle (JVC), Dubai, UAE
From
1,211,102
Handover
Q4 2027
Payment Plan
40/60
Down Payment
10%
From
2,127,407
Handover
Q4 2027
Payment Plan
40/60
Down Payment
10%
From
2,000,000
Handover
Q1 2027
Payment Plan
40/60
Down Payment
10%
From
1,440,000
Handover
Q1 2027
Payment Plan
40/60
Down Payment
10%
From
8,250,000
Handover
Q2 2028
Payment Plan
40/60
Down Payment
10%
On Sale
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.