Developer DealNew Launch
80/20 payment plan
You pay 80% in instalments while the project is under construction and the remaining 20% on handover. Developers set the instalment dates and the booking amount per project — the project page carries the schedule we hold.
80%
20%
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
- 80%During construction 1,200,000
- 20%On handover 300,000
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.
157 projects currently offer this plan
Developer Deal
Developer DealOn Sale
Developer DealOn Sale
Developer Deal
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
30,000,000
Handover
Q4 2028
Payment Plan
80/20
Down Payment
20%
Developer Deal
Special Payment Plan: ADCB off-plan financing after 50% paid at Nad Al Sheba GardensEligible buyers at Nad Al Sheba Gardens can access ADCB home-financing solutions after paying 50% of the property's value to the developer, irrespective of construction progress.
Special Payment Plan: ADCB off-plan financing access after 50% paid to MeraasEligible buyers at Nad Al Sheba Gardens can access ADCB home-financing solutions after paying 50% of the property's value to the developer, 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.
Special Payment Plan: ADCB off-plan financing after 50% payment thresholdEligible buyers can access ADCB home-financing solutions after paying 50% of the property value to Meraas, irrespective of construction progress.
From
1,355,000
Handover
Q1 2029
Payment Plan
80/20
Down Payment
20%
Developer DealOn Sale
Developer DealOn Sale
Developer DealOn Sale
DLD Waiver: 4%DAMAC's offer page advertises a 4% DLD waiver across the named selected projects, subject to terms and conditions.
Special Discount: 5%DAMAC’s official offer page lists DAMAC Casa among the developments eligible for 5% off the total price, paired with a 50/50 payment plan and a 10% down payment.
From
2,480,000
Handover
Q1 2028
Payment Plan
80/20
Down Payment
20%
Developer DealOn Sale
Special Payment Plan: 90/10 payment plan with 10% upon 100% construction completionEmaar's official offers page lists a limited-time launch offer for Seapoint with 90% during construction and 10% payable upon 100% construction completion.
Special Payment Plan: 90% during construction / 10% upon 100% construction completionEmaar's official offers page lists a limited-time launch offer for Seapoint with 10% payable upon full construction completion.
Special Payment Plan: 90% during construction and 10% on 100% construction completionEmaar's current offers page advertises a limited-time launch payment structure for Seapoint at Emaar Beachfront. No expiry date or other conditions are published in the opened HTML.
+1 more
From
5,041,888
Handover
Q2 2028
Payment Plan
80/20
Down Payment
10%
Developer DealOn Sale
Special Payment Plan: Limited-time 80/20 construction-completion payment planEmaar's offers page states that 80% is payable during construction and 20% upon 100% construction completion for Seascape.
Special Payment Plan: 80% during construction and 20% on 100% construction completionEmaar's current offers page advertises a limited-time launch payment structure for Seascape. No expiry date or detailed unit-level terms are published in the opened HTML.
From
1,725,000
Handover
Q4 2026
Payment Plan
80/20
Down Payment
10%
Developer Deal
Special Payment Plan: Limited-time 80/20 construction-completion payment planEmaar's offers page states that 80% is payable during construction and 20% upon 100% construction completion for Park Horizon.
From
5,296,888
Handover
Q3 2026
Payment Plan
80/20
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.