Off-plan payment plans, compared
Every developer publishes its own instalment schedule — we put all 49 tracked projects in one table: down payment, 1% monthly options, post-handover shares and what's left at handover. Interest-free, bank-free, straight to a DLD escrow.
A Dubai off-plan payment plan is an interest-free instalment schedule paid straight to the developer's DLD escrow — no bank, no income checks. Across our 49 tracked projects in 2026: down payments run 5–25% (20% most common, Emaar typically 10%), 3 projects offer 1% monthly plans (Danube, DAMAC Islands 2), and 11 include a post-handover component — you keep paying after you've got the keys. The most common schemes are 60/40 and 80/20; the second number is what remains at handover.
What the schemes actually mean
60/40 · 70/30 · 80/20 · 90/10
The classic construction-linked plan: the first number is paid in instalments during construction (starting with the down payment), the second at handover. A higher second number = more of the price deferred to keys day.
X/Y/Z — post-handover
Three-part plans like 20/50/30 keep a tranche running 1–3 years AFTER handover — you pay the tail while living in or renting out the unit. The closest thing to developer financing.
1% monthly
Construction instalments split into small equal monthly payments. Same total price, far gentler cash flow — flagship examples: Danube towers and DAMAC Islands 2.
Ready / resale
6 tracked projects are ready or resale stock — no developer plan; you buy cash or with a mortgage (non-residents can borrow too).
Payment plans across 49 projects
Sorted by entry price. “Down” is the booking payment; “Post-HO” — part of the price is paid after handover. Plans are per current phase and can differ by unit — we verify the exact schedule before you reserve.
| Project | Area | From | Plan | Down | 1%/mo | Post-HO | Handover |
|---|---|---|---|---|---|---|---|
| Town Square Dubai | Town Square | AED 575k | 5-10% down (new launches) | 5% | — | — | Ready - 2029 |
| Azizi Riviera | Meydan (MBR City) | AED 580k | 20/80 | — | — | — | Ready / 2025-2 |
| Azizi Venice | Dubai South | AED 690k | 10/40/50 | 10% | — | ✓ | 2026-2027 |
| Binghatti Phantom | Jumeirah Village Circle (JVC) | AED 800k | 70/30, 20% down | 20% | — | — | 2025–26 |
| Upper House | Jumeirah Lake Towers | AED 800k | 20/50/30, 20% down | 20% | — | ✓ | 2026 |
| Binghatti Skyhall | Business Bay | AED 975k | 20/50/30 | 20% | — | ✓ | Q4 2026 |
| Sobha Solis | Dubai Motor City | AED 1M | 60/40, 20% down | 20% | — | — | 2027 |
| Creek Beach | Dubai Creek Harbour | AED 1.1M | ready units cash/mortgage; off-plan towers ~10% down, 80/20 | 10% | — | — | Mostly Ready |
| DAMAC Hills 2 | Dubailand | AED 1.1M | 70/30, 20% down | 20% | — | — | Mostly deliver |
| Safa Two | Business Bay | AED 1.1M | 60/40, 20% down | 20% | — | — | Q4 2026 |
| Danube Oceanz | Dubai Maritime City | AED 1.1M | 1% monthly / 65/35 | — | ✓ | — | Q1 2027 |
| Danube Bayz 101 | Business Bay | AED 1.18M | 1% monthly / 70/30 | — | ✓ | — | Q2 2028 |
| Palace Residences Dubai Creek Harbour | Dubai Creek Harbour | AED 1.2M | typically 10% down, 70% construction, 20% handover | 10% | — | — | Q2 2027 |
| DAMAC Canal Heights | Business Bay | AED 1.25M | 20/60/20, 10-20% down | 10% | — | ✓ | 2027 |
| Sobha Hartland II | Mohammed Bin Rashid City | AED 1.4M | 80/20, 20% down | 20% | — | — | 2027 |
| Emaar South — Greenview & Golf Links | Dubai South | AED 1.47M | Greenview 10% down 60/30; Golf Links 25/75 post-handover | 10% | — | ✓ | 2025-2028 by p |
| Sobha One | Sobha Hartland (MBR City) | AED 1.5M | 60/40, 20% down | 20% | — | — | Q4 2026+ |
| Ghaf Woods | Dubailand | AED 1.5M | 60/40, 10% booking | 10% | — | — | Q2-Q3 2029 |
| Safa One by de GRISOGONO | Business Bay | AED 1.6M | 20/70/10, 20% down | 20% | — | ✓ | Q4 2026 |
| Rashid Yachts & Marina | Mina Rashid | AED 1.65M | typically 80/20 during construction; some towers 10% down | 10% | — | — | 2025-2030 by t |
| Cavalli Tower | Dubai Marina | AED 1.75M | 90/10, 20% down | 20% | — | — | 2026 |
| Address Residences Zabeel | Zabeel | AED 1.8M | typically 10% down, 80/20 (effectively 90/10 with handover instalment) | 10% | — | — | Sep 2029 |
| Central Park at City Walk | City Walk | AED 1.85M | 20/50/30 | 20% | — | ✓ | 2027 |
| DAMAC Riverside | Dubai Investment Park | AED 1.9M | 75/25, 20% down | 20% | — | — | Dec 2027 |
| Safa Gate by DAMAC | Business Bay | AED 1.99M | 70/30 or 80/20, ~20% down | 20% | — | — | ~Q4 2029 |
| DAMAC Islands | Dubailand | AED 2.25M | 75/25, 10% down | 10% | — | — | 2027–2030 |
| DAMAC Suncity | Dubailand | AED 2.25M | 75/25, ~10-20% down | 10% | — | — | ~Q1 2028 |
| DAMAC Lagoons | Dubailand | AED 2.4M | 60/40, 20% down | 20% | — | — | 2025–2027 |
| Emaar Beachfront | Dubai Harbour | AED 2.6M | typically 10% down, 80/20 on select towers | 10% | — | — | Ready / 2026 |
| Rixos Residences Dubai Islands | Dubai Islands | AED 2.6M | 80/20, 20% down | 20% | — | — | Q4 2026 |
| DAMAC Islands 2 | Dubailand | AED 2.75M | 20/55/25 or 1% monthly | 20% | ✓ | ✓ | 2029-2030 |
| Bluewaters Bay | Bluewaters Island | AED 2.8M | 10/90 | — | — | — | 2027 |
| DAMAC Canal Heights 2 | Business Bay | AED 2.8M | 80/20, 20% down | 20% | — | — | ~Q4 2027 |
| The Valley by Emaar | Dubai-Al Ain Road | AED 2.9M | typically 10% down, 80/20 (some clusters 90/10) | 10% | — | — | 2026-2029 by p |
| DAMAC Bay by Cavalli | Dubai Harbour | AED 2.9M | 80/20, 20% down | 20% | — | — | Q3 2027 |
| DAMAC Bay 2 by Cavalli | Dubai Harbour | AED 2.9M | 60/40, 20% down | 20% | — | — | 2028 |
| Sobha SeaHaven | Dubai Harbour | AED 3.1M | 60/40, 20% down | 20% | — | — | 2026 |
| Skycrest by DAMAC | Dubai Harbour | AED 3.3M | 60/40, 20% down | 20% | — | — | ~Q2 2027 |
| Bay Villas | Dubai Islands | AED 4M | 80/20, 15% down | 15% | — | — | Q2 2027 |
| Grand Polo Club & Resort | Dubai Investment Park | AED 5.67M | typically 10% down, 70% construction, 20% handover | 10% | — | — | Jun 2029 |
| Six Senses Residences Dubai Marina | Dubai Marina | AED 7M | 40/60, 20% down | 20% | — | — | 2028 |
| Sobha Reserve | Wadi Al Safa, Dubailand | AED 7.7M | 80/20, 20% down | 20% | — | — | 2026 |
| Mercedes-Benz Places by Binghatti | Downtown Dubai | AED 8.9M | 5/65/30 | 5% | — | ✓ | Q4 2026 |
| The Oasis by Emaar | Dubailand | AED 9.4M | typically 10% down, 80/20 across phases | 10% | — | — | Q4 2027-2030 |
| Palm Jebel Ali | Palm Jebel Ali | AED 18M | 80/20, 20% down | 20% | — | — | 2027–2030 |
| Como Residences | Palm Jumeirah | AED 21M | 80/20, 20% down | 20% | — | — | Q2 2028 |
| Ocean House | Palm Jumeirah | AED 23M | 20/50/30, 20% down | 20% | — | ✓ | 2026 |
| Bugatti Residences by Binghatti | Business Bay | AED 24M | 25/45/30 | 25% | — | ✓ | 2026-2027 |
| VELA by Omniyat, Dorchester Collection | Business Bay | AED 28M | 60/40, 5% booking | 5% | — | — | 2027 |
Not in the table — ready/resale (cash or mortgage): DAMAC Hills, Peninsula, DAMAC Heights, Ellington Beach House, DAMAC Melrose, Golf Place Dubai Hills Estate.
Plans move with phases. Want the CURRENT schedule for a specific project — or a shortlist of plans that fit your cash flow? Ask below — free, from a RERA-licensed broker. See also the off-plan buying guide.
Get a payment-plan shortlist
Tell us your budget and comfortable monthly payment — we'll reply with projects whose plans actually fit, including 1% monthly and post-handover options. WIZI PREMIUM — Property Finder Awards 2025 winner (Quality Brokerage, Dubai Boutique).
Payment plans, answered
What does an 80/20 payment plan mean in Dubai?
You pay 80% of the price in instalments while the project is under construction (starting with the down payment) and the remaining 20% at handover, when you receive the keys. 60/40, 70/30 and 90/10 work the same way — the second number is what's left to pay at (or after) completion. No bank is involved: the instalments go directly to the developer's DLD-controlled escrow account.
What is the minimum down payment for off-plan property in Dubai in 2026?
Across the 49 projects we track, booking payments run 5–25% — with 20% the most common and 17 projects starting at 10% or less (Emaar communities typically take 10%; select launches advertise 5–10%). On top of the first instalment you pay the 4% DLD registration fee.
Which Dubai projects offer 1% monthly payment plans?
In our tracked catalog: Danube Oceanz (Danube), Danube Bayz 101 (Danube), DAMAC Islands 2 (DAMAC). A 1% monthly plan spreads the construction-period instalments into small equal payments — the entry ticket stays the same, but cash flow is much gentler.
What is a post-handover payment plan?
Part of the price is paid AFTER you receive the keys — e.g. 20/50/30 means 20% booking, 50% during construction, and 30% over 1–3 years post-handover, while you can already live in or rent out the unit. 11 of our 49 tracked projects include a post-handover component.
Is an off-plan payment plan the same as a mortgage?
No. A payment plan is an interest-free instalment schedule from the developer with no bank, no income checks and no interest — but it usually ends at or shortly after handover. A mortgage is a 15–25-year bank loan with interest. Many buyers combine both: pay the plan during construction, then refinance the balance with a mortgage at handover.
What happens if I miss an instalment?
The contract (SPA) sets the process: after a notice period the developer can charge penalties and ultimately cancel the purchase through the DLD, refunding per the Oqood rules — typically keeping a percentage. Before committing, we stress-test the schedule against your real cash flow — that's part of our free advisory.