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10/90 payment plan

You pay 10% in instalments while the project is under construction and the remaining 90% on handover. Developers set the instalment dates and the booking amount per project — the project page carries the schedule we hold.

10%
90%

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. 10%During construction 150,000
  2. 90%On handover 1,350,000

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.

24 projects currently offer this plan

Developer Deal
Wasl

1 Residences

Wasl

Al Kifaf, Dubai, UAE

Post HandoverWasl's live Freehold Buying campaign states that specific ready-to-move-in units at 1 Residences have a one-year post-handover payment plan. The offer is limited to specific units; the source does not state an expiry date, exact instalment schedule, or whether it applies to all inventory.

From

3,711,809

Handover

Q3 2022

Payment Plan

10/90

Down Payment

10%

View
Azizi

Azizi Riviera 54

Azizi

Meydan, Dubai, UAE

From

0

Handover

Q2 2027

Payment Plan

10/90

Down Payment

10%

View

Bermuda Villas

RAK Properties

Ras Al Khaimah, UAE

From

Price on request

Handover

Q4 2022

Payment Plan

10/90

Down Payment

10%

View

National Bonds Oasis

Private Developer

Jumeirah Village Circle (JVC), Dubai, UAE

From

450,000

Handover

Q3 2024

Payment Plan

10/90

Down Payment

10%

View
Emaar

Ruba

Emaar

Arabian Ranches 3, Dubai, UAE

From

2,370,455

Handover

Q1 2023

Payment Plan

10/90

Down Payment

10%

View
On Sale
ALDAR

Water's Edge

ALDAR

Yas Island, Abu Dhabi, UAE

From

480,000

Handover

Q2 2021

Payment Plan

10/90

Down Payment

10%

View

Julphar Residence

RAK Properties

Julphar Residence, Al Reem Island, Abu Dhabi, UAE

From

450,000

Handover

Q4 2023

Payment Plan

10/90

Down Payment

10%

View

Golden Sands DIP

Private Developer

Dubai Investments Park (DIP), Dubai, UAE

From

Price on request

Handover

Q2 2020

Payment Plan

10/90

Down Payment

10%

View
ALDAR

Saadiyat Beach Villas

ALDAR

Saadiyat Beach, Saadiyat Island, Abu Dhabi, UAE

From

Price on request

Handover

Q2 2013

Payment Plan

10/90

Down Payment

10%

View

Al Aamra Tower

FAM Holding

Al Amerah, Ajman, UAE

From

Price on request

Handover

Q4 2022

Payment Plan

10/90

Down Payment

10%

View
Emaar

Al Alka 2

Emaar

The Greens, Dubai, UAE

From

950,000

Handover

Q3 2007

Payment Plan

10/90

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.