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50/50 payment plan

You pay 50% in instalments while the project is under construction and the remaining 50% on handover. Developers set the instalment dates and the booking amount per project — the project page carries the schedule we hold.

50%
50%

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. 50%During construction 750,000
  2. 50%On handover 750,000

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.

376 projects currently offer this plan

Developer DealOn Sale
Tarrad Development

Celesto 4

Tarrad Development

Cove Boulevard by Imtiaz, Dubai Land Residence Complex (DLRC), Dubai, UAE

Special Discount: AED 34,658The advertised price is AED 34,658 below the original price for a 601 SQFT one-bedroom unit. This is a fixed purchase-price saving relevant to buyers comparing entry pricing.
Special Discount: 10%An explicit 10% purchase-price discount reduces the stated OP price from AED 3,576,019 to AED 3,218,417, creating a direct price incentive for buyers.
Special Discount: 8%The source explicitly states an 8% broker commission for the Celesto 4 retail listing, representing a broker incentive.

+1 more

From

540,000

Handover

Q4 2028

Payment Plan

50/50

Down Payment

20%

View
Developer Deal
Tarrad Development

Celesto Tower

Tarrad Development

Celesto Tower, Dubai Land Residence Complex (DLRC), Dubai, UAE

Special Discount: 30%30% discount for full cash purchase of a fully fitted retail unit.
Special Discount: 20%20% discount on the 50/50 payment plan for a fully fitted retail unit.
Special Discount: 10%10% discount on the Standard Payment Plan for a fully fitted retail unit.

From

1,211,536

Handover

Q2 2028

Payment Plan

50/50

Down Payment

20%

View
Developer DealOn Sale
Beyond Developments

Kanyon by Beyond

Beyond Developments

Bur Dubai, Dubai, UAE

Special Discount: 2%Current BEYOND first-time-home-buyer offer for eligible direct customers, with a 2% property-price discount on off-plan units, one year of free service charges, one-day early access before official sales launches, and a 50% during construction / 50% on handover payment structure. A DLD first-time-home-buyer QR code or certificate is required; terms apply.

From

3,745,000

Handover

Q2 2029

Payment Plan

50/50

Down Payment

10%

View
Developer DealPresale / EOI
Imtiaz Developments

KORE BY IMTIAZ

Imtiaz Developments

Dubailand, Dubai, UAE

Post HandoverThe advertised 60/40 plan explicitly defers 40% of the purchase price for three years after handover, improving buyer payment flexibility.

From

0

Handover

Q4 2028

Payment Plan

50/50

Down Payment

50%

View
Developer DealOn Sale

Listone Residence

Lionstone Development

International City, Dubai, UAE

Post HandoverExplicit post-handover payment option for studio units, with 50% due over two years after handover.

From

605,888

Handover

Q4 2027

Payment Plan

50/50

Down Payment

10%

View
Developer Deal
ONE YARD

Oak Yard

ONE YARD

Hyati Avenue, JVC District 14, Jumeirah Village Circle (JVC), Dubai, UAE

Special Discount: 15%A source-explicit 15% purchase discount is advertised for full-payment 2BR apartments at Oak Yard, creating a material price incentive for buyers. The source also states that handover is in Q1 2027.
Special Discount: 10%A 10% purchase discount is offered for full-payment deals, creating a direct price incentive for cash buyers.
Special Discount: 8%An explicit 8% partner commission is offered, payable within 72 hours after SPA, providing a direct broker-sales incentive.

+1 more

From

1,169,795

Handover

Q1 2027

Payment Plan

50/50

Down Payment

20%

View
Developer Deal
Azizi

Raffi

Azizi

Al Furjan, Dubai, UAE

Special Discount: 14%A 14% purchase discount is advertised for Raffi.

From

824,000

Handover

Q1 2028

Payment Plan

50/50

Down Payment

20%

View
Developer Deal
DAMAC Properties

Riverside Views

DAMAC Properties
DLD Waiver: 4%Explicit 4% DLD waiver for Riverside Views.
Special Discount: AED 100,000Special price reduced from AED 1.8M to AED 1.7M for Riverside Views.

From

1,309,000

Handover

Q4 2028

Payment Plan

50/50

Down Payment

10%

View
Developer Deal
ALAIN

Rove Home – Meydan Horizon

ALAIN

Meydan, Dubai, UAE

DLD Waiver: 4%The artwork explicitly advertises a 4% Dubai Land Department waiver, reducing the stated registration-related cost.
Special Discount: 20%The artwork explicitly advertises units at 20% lower than market price, indicating a material price discount for the named project.
Special Discount: 6%The artwork explicitly states that the broker commission is 6%, creating a sales incentive linked to the project.

From

1,617,777

Handover

Q1 2029

Payment Plan

50/50

Down Payment

20%

View
Developer DealOn Sale
Imtiaz

Sea Cliff

Imtiaz

Dubai Islands, Dubai, UAE

Special Discount: 5%A 5% discount is explicitly listed for Sea Cliff together with a 30/70 payment plan.

From

1,995,000

Handover

Q1 2028

Payment Plan

50/50

Down Payment

20%

View
New Launch

The Bristol Residences at Ramhan Island

Eagle Hills

Ramhan Island, Abu Dhabi, UAE

From

3,100,000

Handover

Q4 2028

Payment Plan

50/50

Down Payment

10%

View
New Launch
ALDAR

Yas Riva Reserve

ALDAR

Yas Island, Abu Dhabi, UAE

From

7,900,000

Handover

Q3 2030

Payment Plan

50/50

Down Payment

5%

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.