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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

Green Group

The Autograph S Series

Green Group

JVC District 15, Jumeirah Village Circle (JVC), Dubai, UAE

From

754,850

Handover

Q3 2027

Payment Plan

60/40

Down Payment

20%

View
On Sale
SOBHA

THE TRANQUIL at Sobha Central

SOBHA

Building 41, Mediterranean, Discovery Gardens, Dubai, UAE

From

1,853,656

Handover

Q2 2030

Payment Plan

60/40

Down Payment

—

View
Karma Developers

Antalya

Karma Developers

Dubai Sports City, Dubai, UAE

From

1,211,762

Handover

Q3 2028

Payment Plan

60/40

Down Payment

20%

View
On Sale
Binghatti

Binghatti Skyblade

Binghatti

Fairmont Residences Solara Tower, Downtown Dubai, Dubai, UAE

From

3,649,999

Handover

Q4 2027

Payment Plan

60/40

Down Payment

10%

View
MAK Developers

Belmont Park

MAK Developers

Nad Al Sheba 1, Nad Al Sheba, Dubai, UAE

From

1,650,000

Handover

Q3 2027

Payment Plan

60/40

Down Payment

10%

View
Imtiaz

Pearl House 4

Imtiaz

JVC District 10, Jumeirah Village Circle (JVC), Dubai, UAE

From

1,336,432

Handover

Q4 2027

Payment Plan

60/40

Down Payment

20%

View
Imtiaz Developments

Sunset Bay Five

Imtiaz Developments

Dubai Islands, Dubai, UAE

From

1,900,000

Handover

Q4 2026

Payment Plan

60/40

Down Payment

10%

View
Meraas

Nad Al Sheba Gardens Phase 10

Meraas

Nad Al Sheba Gardens, Dubai, UAE

From

5,100,000

Handover

Q1 2029

Payment Plan

60/40

Down Payment

20%

View
On Sale
Binghatti

Moonlight Binghatti

Binghatti

Culture Village (Jaddaf Waterfront), Dubai, UAE

From

1,429,999

Handover

Q2 2026

Payment Plan

60/40

Down Payment

20%

View
Al Sayyah Group

The Butterfly Project

Al Sayyah Group

Arjan, Dubai, UAE

From

800,000

Handover

Q1 2029

Payment Plan

60/40

Down Payment

—

View
Innovate Development

Omoria Residences

Innovate Development

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

From

2,231,733

Handover

Q3 2028

Payment Plan

60/40

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.