Buyer Guide
Payment plans in Dubai, explained simply
Post-handover, 60/40, 1% monthly, every developer markets it differently. Here's what each structure actually means for your cash flow.
Post-handover, 60/40, 1% monthly, every developer markets it differently. Here's what each structure actually means for your cash flow.
Tap a plan to see how the split actually breaks down.
During construction / At handover
60% paid in stages during construction, 40% on handover.
During construction / Over 1–5 years post-handover
A smaller share during construction, the rest spread over 1–5 years after you already have the keys.
Fixed monthly instalment until handover
A fixed 1% of the price paid every month until handover, sometimes continuing after.
During construction / At handover
The lowest common upfront exposure, most of the price is deferred until you actually get the keys.
During construction / At handover
Still developer-friendly on cash flow, with a slightly larger construction-phase commitment than 20:80.
During construction / At handover
A moderate split, roughly balanced but still weighted toward handover.
During construction / At handover
An even split either side of handover, straightforward to budget against.
Every plan above is a variation on one question: what share of the price do you pay while the building is still under construction, and what share is deferred to completion or beyond? Get that split right for your cash flow, and the rest is paperwork.
| Structure | During construction | At / after handover | Best for |
|---|---|---|---|
| 60/40 | 60%, in stages | 40% on handover | Buyers with strong upfront capital |
| Post-handover | 20–50%, in stages | Balance over 1–5 years | Cash-flow-conscious investors |
| 1% monthly | 1% of price per month | Varies by developer | Buyers who prefer fixed, predictable instalments |
The number that matters most isn't the split, it's the total percentage paid before handover. A "60/40" plan and a "1% monthly for 60 months" plan can land at almost the same upfront exposure, worded very differently.
Beyond the three named structures above, most developer plans land on one of these ratios (construction : handover).
| Split | During construction | At handover | Exposure before you get the keys |
|---|---|---|---|
| 20 : 80 | 20% | 80% | Lowest, most of the price deferred to handover |
| 30 : 70 | 30% | 70% | Low, still developer-friendly for cash flow |
| 40 : 60 | 40% | 60% | Moderate, a common middle-ground plan |
| 50 : 50 | 50% | 50% | Balanced, even split either side of handover |
| 60 : 40 | 60% | 40% | Highest, most common on established master-plans |
You have the capital available now, want a lower total price, and aren't relying on rental income to fund the remaining payments.
You want the property generating rent before the balance is fully due, or you'd rather not tie up capital years ahead of completion.
Send us your numbers and we'll map out what each structure actually costs you, month by month.