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Post-handover payment plans

Part of the price is paid after handover, in instalments over one to several years, while you already own — and can let — the unit. The split and the term are set 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.

Post-handover terms vary too much between projects for one worked example — the length of the tail and the share paid after keys are set per project. Open a project below for its own schedule.

31 projects currently offer this plan

Developer Deal

House of WELL

WEll Concept Development

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

DLD Waiver: AED 108,028.54The offer explicitly waives AED 108,028.54 of DLD fees for Unit 208, reducing upfront acquisition costs.
Special Discount: 10%The sales offer explicitly shows a 10% discount for Unit 208, reducing the listed price from AED 3,215,135.36 to AED 2,700,713.70.
Special Discount: 8%An explicit 8% broker commission is offered for House of Well, with payment stated to be made within 72 hours.

+1 more

From

1,866,824

Handover

Q1 2027

Payment Plan

100/0

Down Payment

100%

View
Developer DealPresale / EOI
Imtiaz Developments

KORE BY IMTIAZ

Imtiaz Developments

Dubailand, Dubai, UAE

Post HandoverThe advertised 60/40 plan explicitly defers 40% of the purchase price for three years after handover, improving buyer payment flexibility.

From

0

Handover

Q4 2028

Payment Plan

50/50

Down Payment

50%

View
Developer DealOn Sale

Listone Residence

Lionstone Development

International City, Dubai, UAE

Post HandoverExplicit post-handover payment option for studio units, with 50% due over two years after handover.

From

605,888

Handover

Q4 2027

Payment Plan

50/50

Down Payment

10%

View
Developer Deal
Reportage

Sensi

Reportage

Saadiyat Island, Abu Dhabi, UAE

Special Discount: 5%A 5% purchase discount is offered for BRABUS & SENSI with a 30% down payment and 70% payment at handover.
Special Discount: 2.5%A 2.5% purchase discount is advertised for Brabus & Sensi alongside a 25% down-payment and 75% handover structure.
Post HandoverThe source explicitly states that 70% is payable at handover for Sensi.

From

3,824,930

Handover

Q2 2029

Payment Plan

69/31

Down Payment

30%

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
Urban Properties Development

Urban Life

Urban Properties Development

Canal Heights 2, Business Bay, Dubai, UAE

Special Discount: 5%A 5% broker commission incentive is stated, with SPA payout within 3 days, making the project commercially relevant for broker sales activity.
Post HandoverHalf of the 1-BHK payment is explicitly scheduled after handover over three years, reducing the amount due before and at handover.

From

1,890,749

Handover

Q2 2026

Payment Plan

30/70

Down Payment

20%

View
Developer DealOn Sale
Wadan Developments

Weston

Wadan Developments

Dubai Land Residence Complex (DLRC), Dubai, UAE

Special Discount: 17%A 17% purchase discount is explicitly offered for buyers paying 100% upfront, creating a material price incentive for cash purchasers.
Special Discount: 7%A 7% price reduction is explicitly offered for buyers using the 50/50 before-handover payment plan, improving the effective acquisition price.
Post HandoverThe 60/40 PHPP option explicitly defers 40% of the purchase price across installments after completion, extending buyer payments into the post-handover period.

From

650,000

Handover

Q4 2028

Payment Plan

45/55

Down Payment

15%

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.