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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

  1. 80%During construction 1,200,000
  2. 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
Emaar

Emaar Beachfront

Emaar

Emaar Beachfront, Dubai Harbour, Dubai, UAE

Special Payment Plan: Limited-time 90/10 construction-completion payment planEmaar's current offers page states that 90% is payable during construction and 10% upon 100% construction completion for Emaar Beachfront.

From

1,900,000

Handover

Q3 2029

Payment Plan

80/20

Down Payment

10%

View
Developer Deal
Meraas

Nad Al Sheba Gardens Phase 11

Meraas
Special Payment Plan: ADCB bespoke off-plan financing after 50% paid to MeraasEligible buyers can access ADCB home-financing solutions after paying 50% of the property's value to Meraas, irrespective of construction progress. The offer includes financing pre-approval valid for 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

13,553,000

Handover

Q2 2029

Payment Plan

80/20

Down Payment

20%

View
New Launch
DarGlobal

Padel Living Residences Jeddah

DarGlobal

From

210,000

Handover

Q4 2030

Payment Plan

80/20

Down Payment

20%

View
Nakheel

Bay Estate by Nakheel Dubai Islands

Nakheel

Dubai Islands, Dubai, UAE

From

4,700,000

Handover

Q4 2029

Payment Plan

80/20

Down Payment

25%

View
Emaar

Alva at The Valley

Emaar

The Valley by Emaar, Dubai, UAE

From

4,380,000

Handover

Q4 2029

Payment Plan

80/20

Down Payment

20%

View
On Sale
Emaar

Valia Tower

Emaar

Valia Tower, Dubai Creek Harbour, Dubai, UAE

From

2,140,000

Handover

Q3 2030

Payment Plan

80/20

Down Payment

10%

View

VR Shekvetili Forest~Beach

VR Holding

From

53,430

Handover

Q4 2029

Payment Plan

80/20

Down Payment

20%

View
On Sale
Emaar

Grove Ridge

Emaar

Dubai South, Dubai, UAE

From

2,612,888

Handover

Q3 2029

Payment Plan

80/20

Down Payment

10%

View
On Sale
Emaar

Salva The Heights

Emaar

Serro, The Heights Country Club and Wellness, Dubai, UAE

From

6,762,888

Handover

Q3 2030

Payment Plan

80/20

Down Payment

10%

View
On Sale
Emaar

Greencrest

Emaar

Dubai Hills Estate, Dubai, UAE

From

1,570,000

Handover

Q2 2029

Payment Plan

80/20

Down Payment

10%

View
Nakheel

Bay Villas

Nakheel

Bay Villas, Dubai Islands, Dubai, UAE

From

4,700,000

Handover

Q2 2027

Payment Plan

80/20

Down Payment

15%

View
On Sale
Emaar

The Heights Country Club & Wellness

Emaar

The Heights Country Club and Wellness, Dubai, UAE

From

2,490,000

Handover

Q4 2028

Payment Plan

80/20

Down Payment

10%

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.