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100/0 payment plan

The price is split 100/0: the first tranche during construction, the last on or after handover, and the rest as instalments between. Developers set the dates per project — the project page carries the schedule we hold.

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

This structure does not read as a percentage split, so no example can be drawn.

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.

238 projects currently offer this plan

Al Wazan Group

Amaris Tower

Al Wazan Group

Legado by Prescott, JVC District 14, Jumeirah Village Circle (JVC), Dubai, UAE

From

1,219,000

Handover

Q4 2015

Payment Plan

100/0

Down Payment

100%

View

Amna Building

Private Developer

Dubai Silicon Oasis (DSO), Dubai, UAE

From

Price on request

Handover

Q3 2017

Payment Plan

100/0

Down Payment

100%

View

Anantara Residences by Seven Tides

Seven Tides International

Palm Jumeirah, Dubai, UAE

From

Price on request

Handover

Q3 2021

Payment Plan

100/0

Down Payment

100%

View
Seven Tides

Anantara South Palm Jumeirah

Seven Tides

Palm Jumeirah, Dubai, UAE

From

23,600,888

Handover

Q1 2013

Payment Plan

100/0

Down Payment

100%

View

Ary Marina View Tower

ARY Properties

Dubai Marina, Dubai, UAE

From

1,980,000

Handover

Q4 2006

Payment Plan

100/0

Down Payment

100%

View

Atlas Business Centre

Private Developer

Dubai Media City, Dubai, UAE

From

Price on request

Handover

Q4 2007

Payment Plan

100/0

Down Payment

100%

View
Emaar

Avena at The Valley

Emaar

Rivera, The Valley by Emaar, Dubai, UAE

From

4,374,888

Handover

Q2 2028

Payment Plan

100/0

Down Payment

—

View
On Sale

Azha Millennium Residences

Azha Development

Al Amerah, Ajman, UAE

From

1,336,080

Handover

Q4 2027

Payment Plan

100/0

Down Payment

5%

View
Azizi

Azizi Venice 12

Azizi

Dubai South, Dubai, UAE

From

785,000

Handover

Q3 2027

Payment Plan

100/0

Down Payment

100%

View
Azizi

Azizi Venice 14

Azizi

Dubai South, Dubai, UAE

From

710,000

Handover

Q4 2026

Payment Plan

100/0

Down Payment

—

View
On Sale
Samana

Barari Heights

Samana

Majan, Dubai, UAE

From

877,690

Handover

Q3 2028

Payment Plan

100/0

Down Payment

20%

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.