Your figures
Paid before and at handover
AED 768,000
- Booking + constructionAED 480,000
- HandoverAED 240,000
- After handoverAED 480,000
Indicative simulation, not a loan offer, an approval or financial advice. Limits shown are the regulatory maximums; each lender applies its own credit policy. Interest rates are the ones you enter. Market figures are medians of Dubai Land Department registered data and describe the past, not future prices or returns.
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Example: AED 1.2 million with a 10 / 30 / 20 / 40 plan
| Step | Share | Amount |
|---|---|---|
| Booking | 10% | AED 120,000 |
| Construction (30 monthly instalments) | 30% | AED 360,000 (AED 12,000 / month) |
| Handover | 20% | AED 240,000 |
| After handover (36 monthly instalments) | 40% | AED 480,000 (AED 13,333 / month) |
| DLD registration fee (4%) | 4% | AED 48,000 |
| Cash paid before and at handover | AED 768,000 |
An example plan, not a specific offer: plans differ by developer and project and are set in the sale and purchase agreement.
Protections when buying off plan in Dubai
Payments for off-plan property in Dubai go to the project’s escrow account, registered with the Dubai Land Department, and the sale is registered with the DLD (Oqood). Check the project’s registration and escrow details before paying.
Financing the balance
A mortgage on a property bought off plan is capped at 50% of its value by the Central Bank, and your own payments are used first. Once the property is completed, a balance can be financed as a ready home under the ready-property limits and your lender’s policy.
Frequently asked questions
What is a post-handover payment plan?
A developer plan where part of the price is paid in instalments after the keys are handed over, often monthly or quarterly, as set in the sale contract.
Is the DLD fee due at booking?
The 4% fee is due when the sale is registered with the Dubai Land Department; for off-plan sales this registration (Oqood) usually follows the booking.
Can I rent the property while paying the post-handover plan?
Rental depends on the developer contract; the rental yield calculators help compare rent with the instalments.
Go further
Off-plan projects with post-handover plans are selected by our partner brokerage Cevitas.