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40/60 payment plan

You pay 40% in instalments while the project is under construction and the remaining 60% on handover. Developers set the instalment dates and the booking amount per project — the project page carries the schedule we hold.

40%
60%

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. 40%During construction 600,000
  2. 60%On handover 900,000

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.

193 projects currently offer this plan

MAG Property Development

MBL Signature

MAG Property Development

MBL Signature, JLT Cluster R, Jumeirah Lake Towers (JLT), Dubai, UAE

From

1,525,909

Handover

Q4 2026

Payment Plan

40/60

Down Payment

20%

View
Kasco Developments

ONDA

Kasco Developments

Business Bay, Dubai, UAE

From

1,348,777

Handover

Q3 2027

Payment Plan

40/60

Down Payment

20%

View

Sunshine Bay

Source of Fate

Sunshine Bay, Al Marjan Island, Ras Al Khaimah, UAE

From

980,000

Handover

Q1 2027

Payment Plan

40/60

Down Payment

10%

View
On Sale
Arada

Masaar 2

Arada

Masaar, Tilal City, Sharjah, UAE

From

1,500,000

Handover

Q4 2027

Payment Plan

40/60

Down Payment

5%

View

The Blue Beach Residence

Ajmal Makan

Ajmal Makan City - Sharjah Waterfront, Sharjah, UAE

From

750,000

Handover

Q1 2028

Payment Plan

40/60

Down Payment

30%

View
Kasco Properties

ONDA by KASCO

Kasco Properties

Onda by Kasco, Business Bay, Dubai, UAE

From

1,420,777

Handover

Q3 2027

Payment Plan

40/60

Down Payment

20%

View

Nawayef Heights East Hill

Modon Properties

Nawayef East, Al Hudayriat Island, Abu Dhabi, UAE

From

9,990,000

Handover

Q4 2028

Payment Plan

40/60

Down Payment

10%

View

Nawayef Mansions West Hill

Modon Properties

Nawayef West, Al Hudayriat Island, Abu Dhabi, UAE

From

38,000,000

Handover

Q4 2026

Payment Plan

40/60

Down Payment

10%

View
AB Developers

Bayview Boulevard

AB Developers

Dubai Islands, Dubai, UAE

From

2,780,463

Handover

Q1 2027

Payment Plan

40/60

Down Payment

—

View

Sofitel Residences Downtown Dubai

Azha Development

Fairmont Residences Solara Tower, Downtown Dubai, Dubai, UAE

From

3,146,349

Handover

Q4 2026

Payment Plan

40/60

Down Payment

10%

View

Casa Vista Residence

Casa Vista & Golden Woods Developers

Hyati Avenue, JVC District 14, Jumeirah Village Circle (JVC), Dubai, UAE

From

1,095,000

Handover

Q3 2026

Payment Plan

40/60

Down Payment

5%

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.