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60/40 payment plan

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

60%
40%

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

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.

428 projects currently offer this plan

Developer Deal
Acube Developers

Vega

Acube Developers

Dubai Sports City, Dubai, UAE

Special Discount: AED 10,000A fixed 10K bonus is explicitly advertised alongside the broker commission incentive for the VEGA 2BR offering.
Special Discount: 7%An explicit 7% broker commission incentive is advertised for the VEGA 2BR offering.
Special Discount: 5%A 5% purchase discount is explicitly advertised for VEGA, reducing the stated acquisition cost if applicable to the selected unit.

From

892,476

Handover

Q2 2027

Payment Plan

60/40

Down Payment

20%

View
Developer Deal
Tarrad Development

Mackerel Tower

Tarrad Development

Dubai Islands, Dubai, UAE

Special Discount: 10%The advertised selling price is AED 2.695 million after an explicit 10% discount from an original price of AED 2.995 million.
Special Discount: 8%An explicit 8% commission incentive is attached to the advertised 4-bedroom penthouse, making it commercially relevant for broker sales efforts. The source does not specify the commission basis or eligibility conditions.
Special Discount: 5%An explicit 5% purchase-price discount is advertised for the furnished 2-bedroom plus maid corner apartment, reducing the stated original price of 2,995 M to a selling price of 2.8 M.

From

2,823,031

Handover

Q4 2026

Payment Plan

60/40

Down Payment

15%

View
Developer Deal
Omniyat Properties

Vela Viento

Omniyat Properties

Vela Viento, Business Bay, Dubai, UAE

Special Discount: 5%The Business Bay projects PDF explicitly lists a 5% commission for Vela Viento in Marasi Bay, providing a broker sales incentive.

From

25,750,368

Handover

Q4 2027

Payment Plan

60/40

Down Payment

5%

View
Developer Deal
DAMAC Properties

Violet

DAMAC Properties

DAMAC Hills 2 (Akoya by DAMAC), Dubai, UAE

DLD Waiver: 4%A 4% Dubai Land Department waiver is offered for Violet THs bookings made during the current month, reducing upfront transaction costs.
Special Discount: 4%An extra 4% purchase discount is offered on Corner Units in Violet THs, improving the effective entry price for eligible units.
Special Discount: 3%An extra 3% purchase discount is offered on Mid Units in Violet THs, improving the effective entry price for eligible units.

From

1,870,000

Handover

Q2 2026

Payment Plan

60/40

Down Payment

20%

View
Developer DealOn Sale
Iman Developers

One Sky Park

Iman Developers

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

Special Discount: 14%An explicit 14% purchase-price discount is advertised for a One Sky Park one-bedroom unit in JVC. The accompanying sales offer identifies unit A101 and confirms the discount amount as AED 205,615.93 against the listed price of AED 1,468,685.23.
Special Discount: 5%A 5% broker commission incentive is explicitly advertised for ONE SKY PARK.
Special Discount: 4%A 4% purchase discount is explicitly advertised for ONE SKY PARK.

From

1,375,000

Handover

Q1 2028

Payment Plan

60/40

Down Payment

20%

View
Developer DealOn Sale
Union Properties

Takaya

Union Properties

Motor City, Dubai, UAE

Special Payment Plan: 5% booking and flexible payment plansThe official Takaya project page currently advertises booking from 5% and flexible payment plans for the project.

From

1,634,036

Handover

Q4 2027

Payment Plan

60/40

Down Payment

20%

View
Developer DealOn Sale
Danube

Diamondz

Danube

Jumeirah Lake Towers (JLT), Dubai, UAE

Post Handover: 1 YearThe Telegram post explicitly claims 36 months of post-handover payments at 0.5% monthly, but the attached offer letter states a non-post-handover plan; the terms require verification.

From

3,761,000

Handover

Q4 2027

Payment Plan

60/40

Down Payment

10%

View
Developer DealOn Sale
DAMAC Properties

Chelsea Residences

DAMAC Properties

Dubai Maritime City, Dubai, UAE

DLD Waiver: 4%Explicit 4% Dubai Land Department waiver promotion for Chelsea Residences by DAMAC - Tower C.
Special Discount: 4%Explicit 4% rebate promotion for Chelsea Residences by DAMAC - Tower C.

From

2,160,000

Handover

Q2 2030

Payment Plan

60/40

Down Payment

20%

View
Developer Deal

09 Life Residences

Deniz Properties

Dubai Land Residence Complex (DLRC), Dubai, UAE

Special Discount: 30%A 30% purchase-price discount is offered on Unit 206, reducing the stated original price of AED 2,231,999 to AED 1,562,399 and saving AED 669,600. The offer is explicitly limited to 24 hours and subject to availability.

From

695,465

Handover

Q3 2027

Payment Plan

60/40

Down Payment

20%

View
Developer DealOn Sale
Arthouse Hills Residences Development

Arthouse Hills

Arthouse Hills Residences Development

Arjan, Dubai, UAE

Special Discount: 6%A 6% broker commission is offered for sales of Arthouse Hills residences, creating a direct sales incentive for brokers.
Special Discount: 5%A stated 5% summer discount reduces the listed prices for available Arthouse Hills Arjan inventory.
Post HandoverHalf of the purchase price is explicitly presented as payable through a three-year post-handover structure, reducing the amount due before handover.

+2 more

From

913,888

Handover

Q4 2028

Payment Plan

60/40

Down Payment

10%

View
Developer DealOn Sale
Tiger Properties

Auresta Tower

Tiger Properties

Jumeirah Village Circle (JVC), Dubai, UAE

DLD WaiverSource explicitly states full cash payment with DLD waiver.
Special Discount: 45%Auresta has a new release of 30 units advertised with a discount of up to 45%, materially reducing the stated entry price to AED 448K.
Special Discount: 20%Explicit 20% off for Auresta JVC studios without post-handover.

+3 more

From

727,752

Handover

Q4 2028

Payment Plan

60/40

Down Payment

20%

View
Developer DealOn Sale
Wadan Developments

Cybele by Wadan

Wadan Developments
Special Discount: 15%Cybele residential inventory in DLRC has an explicit 15% purchase-price discount for 100% upfront payment.

From

1,717,225

Handover

Q4 2027

Payment Plan

60/40

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.