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Dubai Off-Plan Payment Plan Calculator
See your full payment schedule across construction milestones and handover. Supports all common Dubai developer plans — 20/80, 40/60, 60/40, post-handover, and fully custom structures.
Property Details
AED 1.50M
Payment Plan
10% + 30% during build · 60% handover
Expected Handover Year
Booking
AED 150K
Due at SPA
Construction
AED 450K
During build
Handover
AED 900K
On key handover
Payment Schedule — 2027 Handover
| Milestone | Est. Date | Amount | Cumulative |
|---|---|---|---|
| Booking / SPA Signing | Q2 2026 | AED 150,000 | 10% |
| Construction 25% Complete | Q4 2026 | AED 150,000 | 20% |
| Construction 50% Complete | Q1 2027 | AED 150,000 | 30% |
| Construction 75% Complete | Q3 2027 | AED 150,000 | 40% |
| Handover | Q4 2027 | AED 900,000 | 100% |
| Total | AED 1,500,000 | 100% | |
Dates are estimates based on typical Dubai construction timelines. Actual milestone dates are defined in your SPA and tied to construction progress certificates issued by the developer. Post-handover instalments typically require post-dated cheques (PDCs) at SPA signing.
Frequently Asked Questions
What is an off-plan payment plan in Dubai?
An off-plan payment plan is a structured instalment schedule set by the developer that lets buyers pay for a property in stages during construction rather than all at once. Payments are typically split between a booking deposit at SPA signing, construction milestone payments tied to build progress, the handover payment on key handover, and sometimes a post-handover phase spread over 1–3 years after completion.
What is a 40/60 payment plan in Dubai?
A 40/60 plan requires the buyer to pay 40% of the property price during the construction period — starting with a booking deposit and then in instalments tied to build milestones — and the remaining 60% upon handover. It is one of the most common structures offered by Dubai developers and is typically used for properties with a 2–3 year build timeline.
What is a 20/80 payment plan in Dubai?
A 20/80 plan requires only 20% during construction, with the remaining 80% due at handover. This structure minimises capital committed during the build phase but requires a significant lump-sum payment or mortgage drawdown at handover. It is common with premium developers for high-value units and suits investors who plan to finance with a UAE bank mortgage at completion.
What is a post-handover payment plan in Dubai?
A post-handover plan — commonly structured as 30/30/40 — allows buyers to continue paying instalments after receiving the keys, typically spread over 1–3 years. The post-handover portion is interest-free and paid directly to the developer, making it an alternative to a bank mortgage for buyers who cannot access UAE bank financing or want to spread capital commitment across the construction and occupancy period.
Do you pay DLD fees on off-plan purchases in Dubai?
Yes. The mandatory 4% DLD transfer fee is payable at SPA signing, calculated on the agreed purchase price. An Oqood (pre-registration) fee of AED 2,000–3,000 also applies at signing. These fees are due upfront regardless of the instalment plan structure and are in addition to the payment schedule shown in this calculator.
Can the payment plan change after signing the SPA?
No. Once the Sales and Purchase Agreement (SPA) is signed, the payment plan terms are contractually fixed. Buyers should carefully review the milestone schedule, grace periods, and penalty clauses — typically 1% per month on overdue amounts — before signing. Developers may offer plan modifications in limited circumstances but are not obligated to do so.
What happens if I miss a payment instalment on an off-plan property in Dubai?
Missing a payment instalment triggers late payment penalties, typically 1% per month of the overdue amount. Persistent default allows developers to terminate the SPA under RERA regulations. If construction is more than 80% complete at the time of termination, the developer may retain up to 40% of the purchase price. Buyers facing payment difficulty should contact the developer immediately — rescheduling is common before legal escalation.
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