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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

Presale / EOI

Beverly Crown

HMB Properties

Beverly Crown, JVC District 11, Jumeirah Village Circle (JVC), Dubai, UAE

From

680,000

Handover

Q4 2028

Payment Plan

50/50

Down Payment

10%

On Sale
Binghatti

Binghatti Titania

Binghatti

Majan, Dubai, UAE

From

695,999

Handover

Q1 2027

Payment Plan

50/50

Down Payment

10%

Bloom Living 7

Bloom Holding

Zayed City, Abu Dhabi, UAE

From

6,465,000

Handover

Q4 2027

Payment Plan

50/50

Down Payment

10%

Blue Marina Residence

Shakirov Developments

Beach Residences Dubai Islands, Rixos Dubai Islands Hotel & Residences, Dubai Islands, Dubai, UAE

From

1,830,000

Handover

Q3 2027

Payment Plan

50/50

Down Payment

20%

Bond Enclave

Pearlshire Developments

Miracle Residence, Arjan, Dubai, UAE

From

1,229,777

Handover

Q2 2027

Payment Plan

50/50

Down Payment

10%

Bond Living

Pearlshire Developments

Miracle Residence, Arjan, Dubai, UAE

From

1,434,777

Handover

Q4 2027

Payment Plan

50/50

Down Payment

20%

Emaar

Boulevard Heights

Emaar

Downtown Dubai, Dubai, UAE

From

4,985,888

Handover

—

Payment Plan

50/50

Down Payment

—

Wasl

Boulevard Park 2

Wasl

Jebel Ali Village, Dubai, UAE

From

1,562,000

Handover

Q4 2029

Payment Plan

50/50

Down Payment

10%

Burj Pacific

Pacific Ventures

Millennium Atria, The Atria, Business Bay, Dubai, UAE

From

8,900,100

Handover

Q1 2023

Payment Plan

50/50

Down Payment

15%

Al Sayyah Group

Butterfly Towers

Al Sayyah Group

Arjan, Dubai, UAE

From

1,347,777

Handover

Q2 2028

Payment Plan

50/50

Down Payment

—

Butterfly Towers

Evolutions

Al Barsha South, Al Barsha, Dubai, UAE

From

1,418,777

Handover

Q1 2029

Payment Plan

50/50

Down Payment

20%

Nshama

Camden

Nshama

Town Square, Dubai, UAE

From

1,140,000

Handover

Q1 2028

Payment Plan

50/50

Down Payment

10%

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.