Creek Bay Payment Plan & Down Payment
10/40/30/20 — 10% on booking, 40% fixed instalments through 2026–2027, 30% construction milestones (40%, 60%, 80%), 20% on handover.
Down payment: 10% on booking, about AED 188,000 at the entry price, plus the 4% DLD fee at registration.
| Milestone | % | Entry price (AED 1.9M) | Median paid (AED 3.3M) |
|---|---|---|---|
| On booking | 10% | AED 188,000 | AED 329,589 |
| Fixed instalments through 2026–2027 | 40% | AED 752,000 | AED 1,318,355 |
| Construction milestones (40%, 60%, 80%) | 30% | AED 564,000 | AED 988,766 |
| On handover | 20% | AED 376,000 | AED 659,178 |
| DLD transfer fee, on purchase | 4% | AED 75,200 | AED 131,836 |
| Cash needed before handover | 80% + fee | AED 1,579,200 | AED 2,768,546 |
| On handover | 20% | AED 376,000 | AED 659,178 |
The median is of 681 purchases recorded by the Dubai Land Department in 2026 — a more realistic basis than the entry price unless you are buying the cheapest unit. Excludes Oqood registration, trustee and service charges; confirm every figure against your sale agreement. Compare payment plans across every Dubai project →
If the marketed date and the date in your sale agreement differ, the contract governs — get it in writing before you pay.
What Actually Sold at Creek Bay
What buyers actually paid, from Dubai Land Department records. Data as of 22 Sep 2026.
Buying pace through the year
What buyers bought
| Unit size | Sales | Share |
|---|---|---|
| 1 B/R | 321 | 47% |
| 2 B/R | 283 | 42% |
| 3 B/R | 77 | 11% |
What the DLD register records
| Registered units | 766 |
| Escrow account | Open — units may lawfully be sold |
| Registered completion | 30 Apr 2030 — marketed as Q2 2030 (DLD registers 30 April 2030) |
| Construction progress | 0.62% complete |
Where the registered completion date and the marketed handover date differ, the date in your sale agreement is the one that governs. Get it in writing.
Source: Dubai Land Department, 2026. Medians move as more sales register, and do not separate developer sales from resales.
Own a unit here? See what it is worth from these sales → · Search every Dubai off-plan sale →
Before You Pay: Check Creek Bay Against the DLD Register
Marketing material is written by the seller. The Dubai Land Department register is not. These are the facts filed with the government for this project — escrow status, unit count, construction progress and the completion date on record. Free, no email needed.
Creek Bay Handover Date & Construction Progress
What the Dubai Land Department register records for Creek Bay as of 25 September 2026: how far it is built, the completion date filed with the DLD, and whether the escrow account is open. We track buildings registered or due to complete in 2026; phases outside that window are not listed.
The completion date that binds the developer is the one in your sale agreement (SPA) or Oqood. If it differs from the DLD filing above, ask why before you pay.
Property Overview
Creek Bay unit types & floor plans
| Unit | From | Share of recorded sales |
|---|---|---|
| 1 Bed Apartment (735–1,000 sqft) | AED 1,880,000 | 47% |
| 2 Bed Apartment | – | 42% |
| 3 Bed Apartment (to 1,851 sqft) | – | 11% |
Share of 681 Dubai Land Department sales in 2026 where the unit size was recorded — the layout most people bought is the one you will compete with at resale. Floor plans: not published in a form we can verify — ask the developer for the plan of your exact unit and floor before you commit.
Will Creek Bay hand over on time?
The filed date is consistent with the work remaining
Completion is filed for 30 April 2030, 43 months away, with construction at 0.62%. On the register that schedule is consistent with the amount of work left, though a filed date is never a contractual one — get the date and its penalties into your agreement.
- Filed completion30 April 2030
- Months remaining43
- Registered units766
Creek Bay Location & Master Plan
Amenities & Facilities
Is Creek Bay a good investment? Our view
766 Emaar waterfront apartments at Dubai Creek Harbour. Advertised from AED 1.88M, but the median actually paid is AED 3.27M — budget from the second number.
Who it suits
Suited to buyers who want Emaar waterfront in an established masterplan and can fund to a 2030 handover, budgeting from the median rather than the headline price. Less suited to yield-first buyers or anyone needing delivery inside three years.
For investors
Two things are genuinely in this project's favour. Emaar's masterplan record is the strongest in Dubai — Downtown, Marina, Dubai Hills all finished and maintained — and Dubai Creek Harbour is far enough along that you can see what you are buying into rather than trusting a render. All 27 Emaar projects registered in 2026 have open escrow accounts, the best compliance record we measured.
The arithmetic needs care though. The median paid, AED 3,270,888, is 74% above the AED 1.88M headline, so plan from AED 3.2M unless you are certain you can secure one of the smallest units. At AED 2,738 per square foot against a 2030 handover, this is a capital-appreciation hold, not a yield play — gross returns will sit well below Dubailand or JVC.
And construction at 0.62% means four years of payments before you hold anything. The 80/20 schedule spreads that reasonably: 10% now, then fixed instalments through 2027, then milestone-linked payments you can at least verify against progress.
If you will live there
For an end user, Creek Bay offers waterfront living in a masterplan that is already partly built and functioning, roughly 15 minutes from Downtown, beside the Ras Al Khor Wildlife Sanctuary. Layouts run 735 to 1,851 sqft across one to three bedrooms. The trade-off is the 2030 wait and a real price that is considerably above the advertised one.
How Dubai Creek Harbour compares
Thinking about Creek Bay? See how its area stacks up on recorded prices, unit mix and delivery.
Compared head to head
Buyers looking at Creek Bay commonly weigh it against these, on what the Land Department register says both actually sold for.
- Creek Bay vs Creek Haven Creek Bay's typical buyer pays AED 3.28m and Creek Haven's pays AED 1.98m. Per square foot the two are within 2% of each other. Both numbers are true, and only one of them is a price.
FAQs
What is the real price of Creek Bay?
Marketing quotes from AED 1,880,000, which is accurate for the smallest one-bedroom. Across 646 recorded Dubai Land Department sales the median actually paid is AED 3,270,888 — 74% higher — at a median of AED 2,738 per square foot. Budget from the median unless you are confident of securing one of the smallest units.
What is the payment plan for Creek Bay?
An 80/20 structure: 10% at booking, four 10% instalments across 2026 and 2027, then 10% each at 40%, 60% and 80% construction completion, with the final 20% at handover. The milestone-linked portion is useful — you can verify progress against the DLD register before each payment falls due.
When does Creek Bay hand over?
The DLD register records 30 April 2030 and marketing quotes Q2 2030 — the two agree, which is less common than it should be. Construction was logged at 0.62% in August 2026, so treat 2030 as a projection and get the contractual date into your sale agreement.
Is the escrow account open for Creek Bay?
Yes. The Dubai Land Department register shows escrow open, which is the legal gate before off-plan units can be sold. Emaar has the strongest record on this measure of any developer we track — all 27 of its 2026 registrations have open accounts, against 28% of the market with none.
How many units are in Creek Bay?
766 registered with the DLD. It recorded 646 purchases in 2026, so a substantial majority of the building has already transacted — which matters for resale, because your competition at exit is largely the same cohort of buyers.
Is Creek Bay a good investment?
The arguments for it are Emaar's masterplan record, a creek-front position in a partly-built community, and clean escrow compliance. Against: the real entry price is nearer AED 3.3M than AED 1.9M, gross yield at AED 2,738 per square foot will sit well below the mid-market, and handover is four years out at 0.62% construction. It is a capital and lifestyle hold, not an income asset.
Where is Creek Bay?
In Dubai Creek Harbour, registered by the DLD as Al Khairan First — Emaar's waterfront masterplan on the Ras Al Khor creek, roughly 15 minutes from Downtown Dubai and beside the Ras Al Khor Wildlife Sanctuary.
Explore More
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Data & accuracy: Figures on this page are compiled from Dubai Land Department open data, developer materials and market sources, and can change without notice. Prices, payment plans, handover dates and availability must be verified directly with the developer or a RERA-licensed broker before you commit to anything. Nothing here is financial advice or an offer to sell. Spotted something wrong? Tell us and we'll correct it. Last updated 11 Sep 2026.