We track 168 Dubai off-plan projects with a published payment plan. The most common split is 10/70/20; the typical down payment is 15%; 80 projects ask 10% or less on booking, and 18 let you pay part of the price after handover.
| Project | Payment plan | Down payment | On / after handover | Handover | Area |
|---|---|---|---|---|---|
| DAMAC Lagoons ValenciaDAMAC Properties | 5/55/40 | 5% | 40% | March 2029 | DAMAC Hills |
| Maison Margiela Residences – Palm JumeirahAlta Real Estate Development | 5/55/40 | 5% | 40% | March 2028 | Palm Jumeirah |
| Address Residences ZabeelEmaar Properties | 10/80/10 | 10% | 10% | September 2029 | Zabeel |
| Address Residences Zabeel Tower 2Emaar Properties | 10/80/10 | 10% | 10% | Q3 2029 | Zabeel |
| Address Villas TierraEmaar | 10/70/20 | 10% | 20% | June 2029 | The Oasis by Emaar |
| Aquamarine Beach ResidencesSobha Realty | 10/50/40 | 10% | 40% | June 2028 | Siniyah Island, Umm Al Quwain |
| Arancia Yards by BeyondBeyond Developments | 10/30/60 | 10% | 60% | 30 October 2028 | City of Arabia |
| Arian by AziziAzizi Developments | 10/50/40 | 10% | 40% | Confirm contractually | Jebel Ali Village |
| AureaEmaar | 10/70/20 | 10% | 20% | 2030 | Mina Rashid |
| Avarra by PalaceEmaar | 10/80/10 | 10% | 10% | 2031 | Business Bay |
| Avelia at The ValleyEmaar Properties | 10/70/20 | 10% | 20% | December 2029 | The Valley |
| Ayami ResidenceAyat Development | 10/40/50 | 10% | 50% | December 2028 | Warsan |
| Azizi AbrahamAzizi Developments | 10/40/50 | 10% | 50% | Q3 2028 | Jebel Ali Village |
| Azizi LinaAzizi Developments | 10/40/50 | 10% | 50% | 30 September 2028 | Downtown Jebel Ali |
| Azizi Milan HeightsAzizi Developments | 10/50/40 | 10% | 40% | Confirm contractually | Majan |
| Azizi NouraAzizi Developments | 10/40/50 | 10% | 50% | 4 July 2028 | Jebel Ali Village |
| Azizi SakandarAzizi Developments | 10/40/50 | 10% | 50% | Q1 2027 | Al Furjan |
| Azizi VeniceAzizi Developments | 10/50/40 | 10% | 40% | see project | Dubai South |
| Bayview Tower 1Emaar Properties | 10/80/10 | 10% | 10% | 2028 | Dubai Marina |
| Bayz 102 by DanubeDanube Properties | 10/60/30 post-handover | 10% | 30% | Q4 2028 | Business Bay |
| Beach Oasis Phase 2Azizi Developments | 10/40/50 | 10% | 50% | April 2026 | Dubai Studio City |
| Beverly BoulevardH M B Development | 10/20/70 | 10% | 70% | September 2024 | Arjan |
| Binghatti HillcrestBinghatti Developers | 10/40/50 | 10% | 50% | Q4 2026 | Arjan |
| Binghatti Sky TerracesBinghatti Developers | 10/60/30 | 10% | 30% | Q4 2027 | Motor City |
| Breez by DanubeDanube Properties | 10/60/30 post-handover | 10% | 30% | March 2029 | Dubai Maritime City |
| Cedarwood EstatesWasl | 10/70/20 | 10% | 20% | see project | Jumeirah Golf Estates |
| Creek BayEmaar Properties | 10/40/30/20 | 10% | 20% | Q2 2030 | Dubai Creek Harbour |
| Creek HavenDubai Creek Harbour | 10/70/20 | 10% | 20% | 31 March 2030 | Dubai Creek Harbour |
| Creek PalaceEmaar | 10/45/45 | 10% | 45% | 2026 | Dubai Creek Harbour |
| Creek Waters 2Emaar Properties | 10/70/20 | 10% | 20% | 2027 | Dubai Creek Harbour |
| Delphine Beach ResidencesSobha Realty | 10/50/40 | 10% | 40% | December 2027 | Siniyah Island, Umm Al Quwain |
| Elitz by DanubeDanube Properties | 10/42/8/40 post-handover | 10% | 48% | Q4 2026 | Jumeirah Village Circle (JVC) |
| Elora at The ValleyEmaar | 10/70/20 | 10% | 20% | 2026 | The Valley |
| Evelyn on the ParkNshama | 10/35/55 | 10% | 55% | 28 February 2029 | Town Square Dubai |
| Fiori Residences - Town SquareNshama | 10/30/60 | 10% | 60% | June 2028 | Town Square Dubai |
| Golf Dale at Emaar SouthEmaar Properties | 10/70/20 | 10% | 20% | December 2028 | Emaar South |
| Golf FieldsEmaar | 10/70/20 | 10% | 20% | 28 February 2030 | Dubai South |
| Golf Hillside Dubai Hills EstateEmaar Properties | 10/70/20 | 10% | 20% | December 2028 | Dubai Hills Estate |
| Golf ValeEmaar | 10/70/20 | 10% | 20% | 31 March 2030 | Dubai South |
| GreencrestEmaar | 10/70/20 | 10% | 20% | 2029 | Dubai Hills Estate |
| Grove RidgeEmaar | 10/10/10/10/10/10/10/10/20 | 10% | 20% | 30 September 2029 | Dubai South |
| Hado by BeyondBeyond Developments | 10/40/50 | 10% | 50% | Q3 2029 | Dubai Islands |
| Joud ResidenceONE Development | 10/40/50 | 10% | 50% | June 2029 | Al Reem Island |
| Lime GardensEmaar Properties | 10/70/20 | 10% | 20% | March 2026 | Dubai Hills Estate |
| Linea by HolmHolm Avenue Real Estate Development | 10/25/65 | 10% | 65% | 15 June 2028 | Al Satwa |
| Lyvia by PalaceEmaar Properties | 10/70/20 | 10% | 20% | 2029 | Dubai Creek Harbour |
| Mareva 2 – The OasisEmaar Properties | 10/70/20 | 10% | 20% | February 2030 | The Oasis by Emaar |
| Marina Views ApartmentsEmaar Properties | 10/70/20 | 10% | 20% | December 2028 | Mina Rashid |
| Moor at Creek BeachEmaar Properties | 10/70/20 | 10% | 20% | November 2026 | Dubai Creek Harbour |
| Numa ReserveMirfa IBC Developers | 10/25/65 | 10% | 65% | December 2026 | MBR City |
| Nuve By ZoyaZoya One Real Estate Developments | 10/40/10/40 post-handover | 10% | 50% | 30 June 2028 | Dubai Land Residence Complex (DLRC) |
| Ocean CoveEmaar Properties | 10/70/20 | 10% | 20% | August 2028 | Mina Rashid |
| One ResidenceGinco Properties | 10/40/50 | 10% | 50% | March 2027 | Downtown Dubai |
| OvelleEmaar Properties | 10/70/20 | 10% | 20% | 2029 | The Valley |
| Ovelle at The ValleyEmaar Properties | 10/70/20 | 10% | 20% | December 2029 | The Valley |
| Palace ResidencesEmaar Properties | 10/70/20 | 10% | 20% | 2027 | |
| Parkside ViewsEmaar Properties | 10/80/10 | 10% | 10% | Q3 2027 | Dubai Hills Estate |
| Pearlside Marina ResidencesSobha Realty | 10/50/40 | 10% | 40% | September 2030 | Siniyah Island, Umm Al Quwain |
| Rivana The ValleyEmaar Properties | 10/80/10 | 10% | 10% | March 2027 | The Valley |
| Rosewater at Creek BeachEmaar Properties | 10/60/30 | 10% | 30% | 2025 | Dubai Creek Harbour |
| RyzeAUM Developments | 10/50/40 | 10% | 40% | Q4 2027 | International City |
| Salva The HeightsEmaar Properties | 10/75/15 | 10% | 15% | July 2030 | The Heights Country Club Wellness |
| Selvara 2Emaar Properties | 10/70/20 | 10% | 20% | April 2029 | Dubai Investment Park |
| Sera by EmaarEmaar Properties | 10/70/20 | 10% | 20% | November 2029 | Mina Rashid |
| Serro The HeightsEmaar | 10/70/20 | 10% | 20% | 2030 | The Heights Country Club Wellness |
| Shahrukhz ResidencesDanube Properties | 10/20/70 | 10% | 70% | Q4 2029 | Dubai Maritime City |
| Sol LevanteSol Properties | 10/40/50 | 10% | 50% | 2028 | Jumeirah Village Triangle (JVT) |
| Solera Downtown MinaRAK Properties | 10/40/50 | 10% | 50% | June 2028 | Mina Al Arab |
| Sports View Residence 2Al Helal Al Zahaby Real Estate Development | 10/50/40 | 10% | 40% | Q2 2027 | International City |
| Terra GardensExpo City Dubai | 10/70/20 | 10% | 20% | 2029 | Expo City Dubai |
| The Residence by Prestige OnePrestige One Developments | 10/55/35 | 10% | 35% | December 2024 | Jumeirah Village Circle (JVC) |
| Urban Oasis by MissoniDar Al Arkan Properties | 10/20/30/40 post-handover | 10% | 70% | August 2023 | Business Bay |
| Verdana Residence 10Reportage Properties | 10/48/42 | 10% | 42% | December 2028 | Dubai Investment Park |
| Verdana Residence 2Reportage Properties | 10/40/50 | 10% | 50% | Q4 2027 | Dubai Investment Park |
| Verdana Residence 3Reportage Properties | 10/37/53 | 10% | 53% | Q1 2026 | Dubai Investment Park |
| Verdana Residence 5Reportage Properties | 10/60/30 | 10% | 30% | see project | Dubai Investment Park |
| Verdana Residence 6Reportage Properties | 10/60/30 | 10% | 30% | Q2 2029 | Dubai Investment Park |
| Vida Residences HillsideEmaar Properties | 10/70/20 | 10% | 20% | May 2029 | Dubai Hills Estate |
| Vista RidgeEmaar | 10/10/10/10/10/10/10/10/20 | 10% | 20% | 30 September 2029 | Dubai South |
| Vista by VisionClear Vision Real Estate Development | 10/10/80 | 10% | 80% | 1 September 2027 | Dubai Production City |
| Belgravia Heights 2Ellington | 15/35/50 | 15% | 50% | 2024 | Jumeirah Village Circle (JVC) |
| Elinor by ZoyaZoya Developments | 15/25/10/50 post-handover | 15% | 60% | TBA | Dubai South |
| Samana Hills South Phase 3Samana Developers | 15/10/75 | 15% | 75% | May 2028 | Dubai Industrial City |
| Samana Imperial GardenSamana Developers | 15/10/75 | 15% | 0% | Q3 2028 | Arjan |
| Zephyra ResidencesArsenal East | 15/45/40 | 15% | 40% | Q4 2027 | Dubai Islands |
| 320 Riverside CrescentSobha Realty | 20/60/20 | 20% | 20% | 2027 | Sobha Hartland |
| Aark ResidencesAark Developers | 20/80 | 20% | 80% | Delayed | Dubai Land Residence Complex (DLRC) |
| Alba TowerReportage Properties | 20/41/39 post-handover | 20% | 39% | Q4 2027 | Al Satwa |
| Amaranta 2 at VillanovaDubai Properties | 20/80 | 20% | 0% | see project | Villanova Dubailand |
| Auresta TowerTiger Group | 20/50/10/20 post-handover | 20% | 30% | Q4 2028 | Jumeirah Village Circle (JVC) |
| Beach Walk GrandImtiaz Developments | 20/40/40 post-handover | 20% | 40% | December 2026 | Dubai Islands |
| Binghatti CullinanBinghatti Developments | 20/50/30 | 20% | 30% | Confirm contractually | Al Jaddaf |
| Binghatti LuxuriaBinghatti Developments | 20/50/30 | 20% | 30% | 30 July 2027 | Jumeirah Village Triangle (JVT) |
| Binghatti Skyflame 1Binghatti Developments | 20/50/30 | 20% | 30% | Confirm contractually | Majan |
| Binghatti Skyflame 2Binghatti Developments | 20/50/30 | 20% | 30% | 31 December 2027 | Majan |
| Binghatti SkyhallBinghatti Developments | 20/50/30 | 20% | 30% | Q4 2026 | Business Bay |
| Binghatti SkyterracesBinghatti Developments | 20/50/30 | 20% | 30% | 31 October 2027 | Dubai Sports City |
| Binghatti StarlightBinghatti Developers | 20/50/30 | 20% | 30% | March 2026 | Al Jaddaf |
| Binghatti VintageBinghatti Developments | 20/50/30 | 20% | 30% | Confirm contractually | Majan |
| Celesto TowerTarrad Development | 20/30/50 | 20% | 50% | December 2027 | Dubai Land Residence Complex (DLRC) |
| Chelsea Residences Final Tower (Tower 6)DAMAC Properties | 20/55/25 | 20% | 25% | TBA | Dubai Maritime City |
| Chelsea Residences – Maritime CityDamac Properties | 20/40/40 | 20% | 40% | December 2029 | Dubai Maritime City |
| City Walk Crestlane 4Meraas | 20/10/5/10/10/10/10/25 | 20% | 25% | 25 April 2030 | City Walk |
| City Walk Crestlane 5Meraas | 20/10/5/10/10/10/10/25 | 20% | 25% | 25 April 2030 | City Walk |
| City Walk Crestlane Phase 5Meraas Holding | 20/55/25 | 20% | 25% | April 2030 | City Walk |
| Costa MareEllington Properties | 20/50/30 | 20% | 30% | September 2028 | Al Marjan Island, Ras Al Khaimah |
| Cove Edition Phase 5Imtiaz Developments | 20/30/50 | 20% | 50% | June 2027 | Dubai Land Residence Complex (DLRC) |
| DAMAC DistrictDAMAC Crescent Properties | 20/50/30 | 20% | 30% | 30 March 2029 | DAMAC Hills |
| DAMAC Islands 2DAMAC Properties | 20/55/25 | 20% | 25% | see project | DAMAC Hills |
| DAMAC Lagoons – VeniceDAMAC Properties | 20/60/20 | 20% | 20% | 2025 | Damac Lagoons |
| Eltiera Views – Jumeirah IslandsEllington | 20/50/30 | 20% | 30% | December 2028 | Jumeirah Islands |
| Esplora ResidencesBNW Developments | 20/50/30 | 20% | 30% | Completed August 2021 | Jumeirah Village Circle (JVC) |
| Essenl1fe by Object 1Object 1 Developers | 20/40/40 post-handover | 20% | 40% | Q4 2027 | Jumeirah Village Triangle (JVT) |
| Ethan – Nad Al Sheba 1Griffin Real Estate Developer | 20/50/10/20 post-handover | 20% | 30% | January 2026 | Nad Al Sheba |
| Flora IsleCenturion Developers | 20/30/50 | 20% | 50% | Q2 2027 | Dubai Islands |
| Harbour LightsDAMAC Properties | 20/60/20 | 20% | 20% | 2027 | Dubai Marina |
| Jacob & Co ResidencesMantra Developments | 20/20/60 | 20% | 60% | June 2028 | Al Marjan Island, Ras Al Khaimah |
| Jade TowerTiger Properties | 20/60/20 post-handover | 20% | 20% | Q1 2027 | Majan |
| Kanyon by BeyondBeyond | 20/50/30 | 20% | 30% | 30 September 2028 | Dubai Maritime City |
| Le Blanc Residence by ImtiazImtiaz Developments | 20/40/40 | 20% | 40% | 15 October 2028 | Dubai Land Residence Complex (DLRC) |
| LunayaLunaya Zaya Real Estate Development | 20/50/30 | 20% | 30% | 31 March 2029 | Dubai South |
| MBL SignatureMAG Property Development | 20/20/60 | 20% | 60% | December 2026 | Jumeirah Lake Towers |
| Marquis GalleriaMarquis Point Real Estate | 20/40/40 | 20% | 40% | Q4 2024 | Arjan |
| Maybach SixBinghatti Developments | 20/50/30 | 20% | 30% | 31 August 2027 | Nad Al Sheba |
| Maybach Ultimate LuxuryBinghatti Developments | 20/50/30 | 20% | 30% | 31 August 2027 | Nad Al Sheba |
| Nad Al Sheba Gardens Phase 11Meraas Holding | 20/60/20 | 20% | 20% | June 2029 | Nad Al Sheba |
| Noor 3 at MidtownDeyaar Properties | 20/30/50 | 20% | see plan | Ready | Dubai Production City |
| One BeverlyH M B Development | 20/40/40 | 20% | 40% | December 2026 | Arjan |
| Palm Beach TowersNakheel | 20/40/40 | 20% | 40% | Q4 2026 | Palm Jumeirah |
| Palm Central Private Residences - Frond NNakheel | 20/50/30 | 20% | 30% | 13 December 2030 | Palm Jebel Ali |
| Peace LagoonsPeace Homes Group | 20/80 | 20% | 0% | December 2027 | Dubai Land Residence Complex (DLRC) |
| Pierside Marina ResidencesSobha Realty | 20/40/40 | 20% | 40% | March 2029 | Siniyah Island, Umm Al Quwain |
| Project MaybachBinghatti Developments | 20/50/30 | 20% | 30% | 30 June 2027 | Nad Al Sheba |
| Raw District by ImtiazImtiaz Developments | 20/40/40 | 20% | 40% | Confirm contractually | Jebel Ali Village |
| Samana Boulevard HeightsSamana Developers | 20/40/40 | 20% | 40% | Confirm contractually | Dubai Land Residence Complex (DLRC) |
| Samana Manhattan 2Samana Developers | 20/37/1/42 post-handover | 20% | 43% | Q4 2026 | Jumeirah Village Circle (JVC) |
| Serenz by DanubeDanube Properties | 20/40/8/32 post-handover | 20% | 40% | Confirm contractually | Jumeirah Village Circle (JVC) |
| Shahrukhz by DanubeDanube Properties | 20/40/8/32 post-handover | 20% | 40% | 30 June 2029 | Barsha Heights (TECOM) |
| Sierra by ImanIman Developers | 20/40/40 | 20% | 40% | Confirm contractually | Motor City |
| Sky Level 1Object One Real Estate Development | 20/20/30/30 post-handover | 20% | 60% | Q2 2029 | Jumeirah Village Circle (JVC) |
| SkyvueSobha Realty | 20/40/40 | 20% | 40% | Confirm contractually | Sobha Hartland |
| Sobha CentralSobha Realty | 20/40/40 | 20% | 40% | 31 December 2031 | Jebel Ali Village |
| Sobha OneSobha Realty | 20/40/40 | 20% | 40% | 2026–2027 (phased) | Sobha Hartland |
| Sobha Riverside Crescent (Sobha Crescent)Sobha Realty | 20/40/40 | 20% | 40% | From Dec 2027 | Sobha Hartland |
| Starline Beach ResidencesSobha Realty | 20/40/40 | 20% | 40% | June 2029 | Siniyah Island, Umm Al Quwain |
| Symphony TowerImtiaz | 20/40/40 | 20% | 40% | Q2 2029 | Meydan |
| Terra WoodsDWTC Emaar | 20/50/30 | 20% | 30% | 31 March 2030 | Dubai South |
| The Edit at d3DHRE 2 BTS | 20/50/30 | 20% | 30% | 31 January 2030 | Dubai Design District |
| The Meriva CollectionCrestarc Developers | 20/40/40 | 20% | 40% | 31 December 2031 | Dubai Islands |
| VERDAN1A 1Object 1 | 20/40/40 | 20% | 40% | March 2027 | Dubai Land Residence Complex (DLRC) |
| Violet TowerDubai Investment Properties | 20/40/40 post-handover | 20% | 40% | April 2026 | Jumeirah Village Circle (JVC) |
| Windsor House IIEllington Properties | 20/50/30 | 20% | 30% | 31 July 2029 | Dubai South |
| RapunzelTanmiyat Global | 40/60 | 40% | 60% | Q3 2026 | Living Legends |
| Forest City Tower 2Al Helal Al Zahaby Real Estate | 50/50 | 50% | 50% | Q2 2027 | Dubai Land Residence Complex (DLRC) |
| Rosewell - Town SquareNshama | 50/50 | 50% | 50% | December 2028 | Town Square Dubai |
| SouleverBeyond | 50/50 | 50% | 50% | January 2029 | Dubai Maritime City |
| Aark TerracesAark Developers | 60/40 | 60% | see plan | December 2027 | Dubai Land Residence Complex (DLRC) |
| AquaCrestSobha Realty | 60/40 | 60% | 40% | June 2029 | Umm Al Quwain Marina |
| Bayside Marina ResidencesSobha Realty | 60/40 | 60% | 40% | March 2029 | Siniyah Island, Umm Al Quwain |
| Coastline Beach ResidencesSobha Realty | 60/40 | 60% | 40% | September 2028 | Siniyah Island, Umm Al Quwain |
| Ocean Bay by SamanaSamana Developers | 60/40 | 60% | 40% | December 2028 | Dubai Islands |
| Pristine Beach ResidencesSobha Realty | 60/40 | 60% | 40% | September 2029 | Siniyah Island, Umm Al Quwain |
| Selene Beach ResidencesSobha Realty | 60/40 | 60% | 40% | December 2027 | Siniyah Island, Umm Al Quwain |
| Solaya – La Mer ResidencesMeraas | 60/40 | 60% | 40% | Q2 2029 | La Mer |
| Canalside Marina ResidencesCity Properties | 70/30 | 70% | 30% | December 2028 | Umm Al Quwain Marina |
| Cybele by WadanWADAN Developments | 70/30 | 70% | 30% | December 2027 | Dubai Land Residence Complex (DLRC) |
| Waada Altura 1BT Properties | 70/30 post-handover | 70% | 30% | 12 April 2029 | Dubai South |
| Palm Jebel Ali – Frond BNakheel | 80/20 | 80% | 20% | January 2028 | Palm Jebel Ali |
Plans as published by each developer and recorded on our project pages; confirm the schedule in your sale agreement. "On / after handover" is the share of the price you still owe when the building completes. The 4% Dubai Land Department fee is extra and due on purchase.
The 19 projects we hold with part of the price due after you get the keys, largest after-handover share first. A post-handover plan only helps if the building is actually delivered, so each row shows the completion date filed with the Dubai Land Department and how much is built, not the brochure date.
| Project | Plan | After handover | Handover (DLD filing) | Built |
|---|---|---|---|---|
| Elinor by Zoya | 15/25/10/50 | 50% | TBA (announced July 2026) (developer) | — |
| Noor 3 at Midtown | 20/30/50 | 50% | Ready (developer) | — |
| Samana Manhattan 2 | 20/37/1/42 | 42% | Q4 2026 (developer) | — |
| Aark Terraces | 60/40 | 40% | December 2027 (developer) | — |
| Beach Walk Grand | 20/40/40 | 40% | Dec 2026 | 53.2% |
| Elitz by Danube | 10/42/8/40 | 40% | Q4 2026 (Elitz 3); earlier phases delivered or near completion (developer) | — |
| Essenl1fe by Object 1 | 20/40/40 | 40% | Q4 2027 (developer) | — |
| Nuve By Zoya | 10/40/10/40 | 40% | Jun 2028 | 0.8% |
| Violet Tower | 20/40/40 | 40% | Jun 2026 | 70.4% |
| Alba Tower | 20/41/39 | 39% | Q4 2027 (developer) | — |
| Serenz by Danube | 20/40/8/32 | 32% | Dec 2029 | 0.1% |
| Shahrukhz by Danube | 20/40/8/32 | 32% | Jun 2029 | 1.9% |
| Bayz 102 by Danube | 10/60/30 | 30% | Q4 2028 (developer) | — |
| Breez by Danube | 10/60/30 | 30% | Jun 2029 | 0.1% |
| Sky Level 1 | 20/20/30/30 | 30% | Feb 2029 | 0% |
| Waada Altura 1 | 70/30 | 30% | Apr 2029 | 1.9% |
| Auresta Tower | 20/50/10/20 | 20% | Q4 2028 (developer) | — |
| Ethan – Nad Al Sheba 1 | 20/50/10/20 | 20% | January 2026 (developer) | — |
| Jade Tower | 20/60/20 | 20% | Q1 2027 (developer) | — |
Projects we hold with a 1%-a-month instalment stage. Over a long build that is a large share of the price paid before handover, so check the construction figure before you commit.
| Project | Plan | Handover (DLD filing) | Built |
|---|---|---|---|
| Alba Tower | 20/41/39 | Q4 2027 (developer) | — |
| Bayz 102 by Danube | 10/60/30 | Q4 2028 (developer) | — |
| Breez by Danube | 10/60/30 | Jun 2029 | 0.1% |
| Elitz by Danube | 10/42/8/40 | Q4 2026 (Elitz 3); earlier phases delivered or near completion (developer) | — |
| Serenz by Danube | 20/40/8/32 | Dec 2029 | 0.1% |
| Shahrukhz by Danube | 20/40/8/32 | Jun 2029 | 1.9% |
| Verdana Residence 5 | 10/60/30 | Verify current phase-5 date with developer (developer) | — |
| Verdana Residence 6 | 10/60/30 | Q2 2029 (developer) | — |
Almost every Dubai off-plan listing quotes a payment plan as two or three numbers — 60/40, 20/50/30, "1% monthly". Those numbers hide most of what you will actually pay and when. Here is what each structure means in practice, and the costs that sit outside the plan entirely.
The first number is paid across construction milestones, the second on handover. The risk sits in the second number: on a AED 1.5M unit, a 40% handover payment is AED 600,000 due on one date, several years out. Mortgages cannot usually be drawn until the building is complete and registered, so that gap is yours to fund. Ask what happens if you cannot pay it — most contracts allow the developer to cancel and retain a share of what you have already paid.
Part of the price is paid after you own the unit, typically over one to three years. This is the most genuinely useful structure for an investor, because rental income can service the balance rather than it landing as a lump sum. Check two things: whether the post-handover portion carries interest or an admin charge, and whether you receive the title deed at handover or only after the final instalment.
The most heavily marketed and the most misread. One per cent per month for 100 months does not mean the property is paid off in 100 months at no cost — these plans almost always sit alongside a 20% down payment and a handover instalment, so the monthly figure covers only part of the price. Ask for the full schedule in dirhams, dated, before treating the monthly figure as your real outlay.
Developers commonly offer 5–30% off for full payment, or a smaller discount for declining a deferred portion. The discount is real, but so is the concentration of risk: you hand over the entire price years before the building exists. Only sensible where the escrow account is open and the delivery record is documented.
Every quoted plan covers the purchase price only. Budget for these separately:
| Cost | Typical amount | When |
|---|---|---|
| Dubai Land Department transfer fee | 4% of purchase price | On purchase |
| Oqood / off-plan registration | AED 1,000 (DLD fee, when the developer registers it) | On purchase |
| Developer admin / NOC fees | AED 2,000–10,000 | On purchase, and again on resale |
| Service charges | AED 10–25 per sqft per year | From handover, every year |
| Mortgage arrangement (if financing) | ~1% of loan, plus valuation | At handover |
On a AED 1.5M apartment the DLD fee alone is AED 60,000, payable up front and not part of any plan you will be quoted.
A payment plan is only as good as the account the money lands in. Under Dubai law an off-plan project cannot lawfully sell units until its escrow account is open — yet marketing routinely starts earlier. In our analysis of the Dubai Land Department register, 102 of 359 projects registered in 2026 (28%) had no open escrow account at the time of checking. Ask for the escrow account number in writing and verify it against the DLD register yourself. A screenshot from a broker is not verification.
Related: How to read a Dubai off-plan payment plan · Best payment plans in Dubai 2026 · 2026 launch data: 359 projects, 28% without escrow · Payment plans by project
Below are payment plan changes and offer signals collected from Dubai off-plan market chatter — down payment changes, construction-linked schedules, post-handover plans and limited-time developer offers. These are third-party reports, not developer confirmations, and each carries the date it was recorded. Verify anything here directly with the developer before acting on it.
Payment plan update for Rizwan Sajan | Only 0.5% per month! This Ramadan, we’re making homeownership in Dubai even more accessible. From our iconic 1% monthly plan to just 0.5%... | Instagram www.instagram.com, payment plan 1% monthly.
Read full updatePayment plan update for RAMADA RESIDENCES BY WYNDHAM in Dubai Islands, starting from AED 2,301,000, payment plan 40% during construction, 20% on handover, handover Q3 2027.
Read full updatePayment plan update for Dec 2027 Location in Motor City, starting from AED 1,591,513, payment plan 60/40, 20% on booking, 40% during construction, handover Dec 2027. Handover: Dec 2027 Location: Motor City Payment Plan: 60/40 20% on booking 40% on completion Premium Views: Internal Community Pool & Amenities One of the best positioned 1.5BR units with pool & amenities view + strong future appreciation potential.
Read full updatePayment plan update for IDEAL FOR MORTGAGE BUYERS ESPLORA in JVC, starting from AED 690,000, payment plan 20/80, 20% on booking, 80% on handover. MORTGAGE BUYERS ESPLORA in JVC is fully redone & Ready to Move In! Show apartment ready for viewing! Location: Unit Prices: Studios: From 690K AED 1 BR: From 1.1M AED 2 BR: From 1.63M AED Payment Plan: 20% On Booking 80% On Handover Why Esplora? Prime location – steps from the park & 5 mins to Circle Mall Italian-inspired design with premium finishes Amenities: Sky Pool, Gym, Zen Garden & Pet Park Ready to view? Reply here for more details!
Read full updatePayment plan update for Fully Furnished in JVC, starting from AED 1,194,000, payment plan 5 Year Payment Plan, pricing highlights include 1bed from 1,194,000, Fully Furnished.
Read full updatePayment plan update by Danube Properties in JVC, starting from AED 895,000, payment plan 5 Year Payment Plan, pricing highlights include Studio from 895,000, Fully Furnished.
Read full updatePayment plan update for bed | Springs View in Serenz for AED 1.725M only Serenz by Danube | A World of Amenities on Al Khail Road (E44) 2 MIN IN & 2 MIN OUT in JVC, starting from AED 1,725,000, payment plan 5 Year Payment Plan, pricing highlights include 2bed from 1,725,000, Fully Furnished.
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Read full updatePayment plan update for Auresta Tower by Azizi in JVC, starting from AED 655,000, payment plan 60/40, handover Q3 2026.
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Read full updateThe updates above are what the market is saying. These are the plans we hold against specific projects, each with the milestone schedule, the Dubai Land Department transfer fee, and the prices actually paid recorded for that building. Ordered by recorded sales.
It is a change or new signal related to how buyers can pay for an off-plan property, such as down payment, construction payments, post-handover payments, monthly installments, or limited-time developer payment offers.
No. Payment plans can change quickly based on developer policy, unit availability, launch phase, and sales demand. Always verify the latest plan before making a decision.
Developers may adjust payment plans to support launches, move selected inventory, respond to market demand, or make a project more attractive to investors and end users.
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