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50/50 payment plan

You pay 50% in instalments while the project is under construction and the remaining 50% on handover. Developers set the instalment dates and the booking amount per project — the project page carries the schedule we hold.

50%
50%

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. 50%During construction 750,000
  2. 50%On handover 750,000

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.

378 projects currently offer this plan

Developer DealOn Sale

Burj Capital

Royal Centurion Real Estate Development LLC

Burj Capital, Business Bay, Dubai, UAE

Special Discount: 6%A 6% agency commission incentive is advertised for Burj Capital offices.
Special Discount: 4%A 4% purchase discount in lieu of DLD is advertised for Burj Capital offices.

From

2,580,000

Handover

Q3 2028

Payment Plan

50/50

Down Payment

—

View
Developer DealOn Sale
OCTA Properties

Flora Isle

OCTA Properties

Flora Isle, Dubai Islands, Dubai, UAE

Special Discount: 6%An explicit 6% broker commission is listed for Flora Isle, creating a sales incentive for brokers.

From

2,380,000

Handover

Q1 2028

Payment Plan

50/50

Down Payment

20%

View
Developer Deal
Azizi

Azizi Ruby

Azizi

Hyati Avenue, JVC District 14, Jumeirah Village Circle (JVC), Dubai, UAE

Special Discount: 4%A 4% purchase discount is advertised for Ruby.

From

1,114,000

Handover

Q1 2028

Payment Plan

50/50

Down Payment

10%

View
Developer Deal
One Development

Laguna Residence

One Development

City of Arabia, Dubai, UAE

Special Discount: AED 10,000· until 31 Oct 2026Brokers receive an explicit AED 10,000 spot cash reward for each 2BR or 3BR sold.
Special Discount: AED 5,000· until 31 Oct 2026Brokers receive an explicit AED 5,000 spot cash reward for each 1BR sold.
Special Discount: 50%A limited 50% down-payment cashback offer is stated for the next eligible unit, creating a material purchase incentive. The source does not clarify whether the percentage applies to the full purchase price or the down payment amount.

+2 more

From

825,000

Handover

Q4 2027

Payment Plan

50/50

Down Payment

20%

View
Developer Deal
IGO

Pelagos by IGO

IGO

Dubai Marina, Dubai, UAE

DLD Waiver: 4%The artwork explicitly states a DLD waiver for Pelagos by IGO Dubai Marina.
Special Discount: 4%The artwork states a 4% commission for Pelagos by IGO Dubai Marina.

From

1,130,000

Handover

Q1 2026

Payment Plan

50/50

Down Payment

20%

View
Developer Deal
Aqua

The Central Downtown

Aqua

Al Barsha, Dubai, UAE

Special Discount: AED 50,000Cash bonus offer for 3-bedroom units.
Special Discount: AED 50,000 BonusAn explicit AED 50,000 sales bonus is advertised for a 3-bedroom sale.
Special Discount: AED 40,000Cash bonus offer for 2-bedroom units.

+7 more

From

943,272

Handover

Q4 2028

Payment Plan

50/50

Down Payment

10%

View
Developer DealOn Sale
Select Group

Artistry Residences

Select Group

Dubai Design District (D3), Dubai, UAE

Special Discount: 4%A 4% broker commission incentive is explicitly stated for brokers handling Artistry Residences, which may improve sales economics for participating brokers.

From

2,211,000

Handover

Q1 2029

Payment Plan

50/50

Down Payment

20%

View
Developer DealOn Sale
Azizi

Azizi Leily

Azizi

Dubai Healthcare City Phase 2, Dubai, UAE

Post HandoverThe 2-bedroom Azizi Leily offer explicitly defers 50% of the price until handover.

From

828,000

Handover

Q4 2027

Payment Plan

50/50

Down Payment

10%

View
Developer Deal
Azizi

Azizi Sakandar

Azizi

Al Furjan, Dubai, UAE

Special Discount: 4%A 4% purchase discount is advertised for Sakandar.

From

1,054,000

Handover

Q2 2027

Payment Plan

50/50

Down Payment

10%

View
Developer DealOn Sale
Tarrad Development

Celesto 4

Tarrad Development

Cove Boulevard by Imtiaz, Dubai Land Residence Complex (DLRC), Dubai, UAE

Special Discount: AED 34,658The advertised price is AED 34,658 below the original price for a 601 SQFT one-bedroom unit. This is a fixed purchase-price saving relevant to buyers comparing entry pricing.
Special Discount: 10%An explicit 10% purchase-price discount reduces the stated OP price from AED 3,576,019 to AED 3,218,417, creating a direct price incentive for buyers.
Special Discount: 8%Explicit 8% broker commission incentive stated for the Celesto 4 retail offering.

+1 more

From

540,000

Handover

Q4 2028

Payment Plan

50/50

Down Payment

20%

View
Developer Deal
Tarrad Development

Celesto Tower

Tarrad Development

Celesto Tower, Dubai Land Residence Complex (DLRC), Dubai, UAE

Special Discount: 30%30% discount for full cash purchase of a fully fitted retail unit.
Special Discount: 20%20% discount on the 50/50 payment plan for a fully fitted retail unit.
Special Discount: 10%10% discount on the Standard Payment Plan for a fully fitted retail unit.

From

1,211,536

Handover

Q2 2028

Payment Plan

50/50

Down Payment

20%

View
Developer DealOn Sale
Beyond Developments

Kanyon by Beyond

Beyond Developments

Bur Dubai, Dubai, UAE

Special Discount: 2%Current BEYOND first-time-home-buyer offer for eligible direct customers, with a 2% property-price discount on off-plan units, one year of free service charges, one-day early access before official sales launches, and a 50% during construction / 50% on handover payment structure. A DLD first-time-home-buyer QR code or certificate is required; terms apply.

From

3,745,000

Handover

Q2 2029

Payment Plan

50/50

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.