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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
MGS-Development

Edgewater Residences

MGS-Development

Beach Residences Dubai Islands, Rixos Dubai Islands Hotel & Residences, Dubai Islands, Dubai, UAE

DLD Waiver: 4%4% DLD waiver offered for Edgewater Residences at Dubai Islands.
Special Discount: 7%A 7% commission incentive is explicitly stated, providing a broker-facing commercial incentive, although the source does not specify its detailed eligibility or recipient terms.
Post HandoverThe sales offer explicitly assigns 65% of the purchase price to the final handover payment due on completion.

From

2,178,736

Handover

Q4 2026

Payment Plan

60/40

Down Payment

10%

View
Developer Deal
Omniyat

The Alba Residences

Omniyat

Palm Jumeirah, Dubai, UAE

Special Discount: 5%The Palm Jumeirah inventory sheet explicitly lists a 5% commission for Alba Residences, providing a broker sales incentive.

From

18,225,000

Handover

Q3 2028

Payment Plan

60/40

Down Payment

5%

View
Developer DealOn Sale
OCTA Properties

Trio Isle

OCTA Properties

Al Marjan Island, Ras Al Khaimah, UAE

Post HandoverUpdated inventory message explicitly states Trio Isle has a 5-year PHPP.

From

2,950,888

Handover

Q4 2027

Payment Plan

60/40

Down Payment

20%

View
Developer Deal
Omniyat

Vela

Omniyat

Canal Heights 2, Business Bay, Dubai, UAE

Special Discount: 5%The Business Bay sheet explicitly lists a 5% broker commission for Vela 3 and 4BR units in Marasi Bay.

From

43,330,140

Handover

Q4 2026

Payment Plan

60/40

Down Payment

5%

View
New Launch
DAMAC Properties

Violet 4 at Damac Hills 2

DAMAC Properties

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

From

2,190,000

Handover

Q4 2028

Payment Plan

60/40

Down Payment

20%

View
SOBHA

The Woods at Sobha Sanctuary

SOBHA

Sobha Sanctuary, Dubai, UAE

From

1,000,000

Handover

Q4 2029

Payment Plan

60/40

Down Payment

20%

View

Bab Al Qasr Seaview Residence 51

Burtville Developments

Bab Al Qasr Seaview Residence 51, Al Seef, Al Raha Beach, Abu Dhabi, UAE

From

4,400,000

Handover

Q4 2029

Payment Plan

60/40

Down Payment

10%

View
Presale / EOI
Al Habtoor Group

1970 Office Tower Al Habtoor

Al Habtoor Group

Al Habtoor City, Business Bay, Dubai, UAE

From

9,420,000

Handover

Q1 2029

Payment Plan

60/40

Down Payment

—

View

Sea Mirror

Lamar Development

Sea Mirror, Jumeirah Bay Islands, Dubai, UAE

From

130,000,000

Handover

Q1 2026

Payment Plan

60/40

Down Payment

10%

View
On Sale
SOBHA

Sobha Sanctuary - The Greens

SOBHA

Sobha Sanctuary, Dubai, UAE

From

4,072,118

Handover

Q3 2029

Payment Plan

60/40

Down Payment

20%

View
DAMAC Properties

Piazza Roma Damac Lagoons

DAMAC Properties

DAMAC Lagoons, Dubai, UAE

From

4,718,000

Handover

Q2 2030

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.