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60/40 payment plan

You pay 60% in instalments while the project is under construction and the remaining 40% on handover. Developers set the instalment dates and the booking amount per project — the project page carries the schedule we hold.

60%
40%

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. 60%During construction 900,000
  2. 40%On handover 600,000

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.

431 projects currently offer this plan

Developer Deal
Acube Developers

Vega

Acube Developers

Dubai Sports City, Dubai, UAE

Special Discount: AED 115,000An explicit 115K commission incentive is advertised for the Vega listing, representing a direct broker or sales-side commercial incentive.
Special Discount: AED 10,000A fixed 10K bonus is explicitly advertised alongside the broker commission incentive for the VEGA 2BR offering.
Special Discount: 7%Explicit 7% bonus advertised in the source message.

+1 more

From

892,476

Handover

Q2 2027

Payment Plan

60/40

Down Payment

20%

View
Developer Deal
Tarrad Development

Mackerel Tower

Tarrad Development

Dubai Islands, Dubai, UAE

Special Discount: 17%Mackerel Tower advertises a 17% discount for cash payment.
Special Discount: 15%A 15% partner discount is explicitly offered for cash payment.
Special Discount: 10%The advertised selling price is AED 2.695 million after an explicit 10% discount from an original price of AED 2.995 million.

+3 more

From

2,823,031

Handover

Q4 2026

Payment Plan

60/40

Down Payment

15%

View
Developer Deal
Omniyat Properties

Vela Viento

Omniyat Properties

Vela Viento, Business Bay, Dubai, UAE

Special Discount: 5%The Business Bay sheet explicitly lists a 5% broker commission for Vela Viento 2, 3 and 4BR units.

From

25,750,368

Handover

Q4 2027

Payment Plan

60/40

Down Payment

5%

View
Developer Deal
DAMAC Properties

Violet

DAMAC Properties

DAMAC Hills 2 (Akoya by DAMAC), Dubai, UAE

DLD Waiver: 4%An explicit 4% Dubai Land Department fee waiver is offered for Violet 4 Phase 3. The launch artwork and offer sheet state that the exclusive launch offer is valid for seven days from the launch date, but no launch date is supplied.
Special Discount: 4%An extra 4% purchase discount is offered on Corner Units in Violet THs, improving the effective entry price for eligible units.
Special Discount: 3%An extra 3% purchase discount is offered on Mid Units in Violet THs, improving the effective entry price for eligible units.

From

1,870,000

Handover

Q2 2026

Payment Plan

60/40

Down Payment

20%

View
Developer DealOn Sale
Iman Developers

One Sky Park

Iman Developers

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

Special Discount: 14%An explicit 14% purchase-price discount is advertised for a One Sky Park one-bedroom unit in JVC. The accompanying sales offer identifies unit A101 and confirms the discount amount as AED 205,615.93 against the listed price of AED 1,468,685.23.
Special Discount: 5%A 5% broker commission incentive is explicitly advertised for ONE SKY PARK.
Special Discount: 4%A 4% purchase discount is explicitly advertised for ONE SKY PARK.

From

1,375,000

Handover

Q1 2028

Payment Plan

60/40

Down Payment

20%

View
Developer DealOn Sale
Union Properties

Takaya

Union Properties

Motor City, Dubai, UAE

Special Payment Plan: 5% booking and flexible payment plansThe official Takaya project page currently advertises booking from 5% and flexible payment plans for the project.

From

1,634,036

Handover

Q4 2027

Payment Plan

60/40

Down Payment

20%

View
Developer DealOn Sale
Danube

Diamondz

Danube

Jumeirah Lake Towers (JLT), Dubai, UAE

Post Handover: 1 YearThe Telegram post explicitly claims 36 months of post-handover payments at 0.5% monthly, but the attached offer letter states a non-post-handover plan; the terms require verification.

From

3,761,000

Handover

Q4 2027

Payment Plan

60/40

Down Payment

10%

View
Developer DealOn Sale
DAMAC Properties

Chelsea Residences

DAMAC Properties

Dubai Maritime City, Dubai, UAE

DLD Waiver: 4%Explicit 4% Dubai Land Department waiver promotion for Chelsea Residences by DAMAC - Tower C.
Special Discount: 4%Explicit 4% rebate promotion for Chelsea Residences by DAMAC - Tower C.

From

2,160,000

Handover

Q2 2030

Payment Plan

60/40

Down Payment

20%

View
Developer DealOn Sale
Al Habtoor Group

Al Habtoor Tower

Al Habtoor Group

Canal Heights 2, Business Bay, Dubai, UAE

Special Discount: 12%A 12% discount is explicitly offered on the post-handover payment-plan price for Al Habtoor Tower.
Post HandoverThe promotion explicitly defers 50% of the purchase price over three years after handover, supporting a ready-to-move-in purchase structure.

From

2,661,820

Handover

Q4 2026

Payment Plan

60/40

Down Payment

10%

View
Developer Deal

09 Life Residences

Deniz Properties

Dubai Land Residence Complex (DLRC), Dubai, UAE

Special Discount: 30%A 30% purchase-price discount is offered on Unit 206, reducing the stated original price of AED 2,231,999 to AED 1,562,399 and saving AED 669,600. The offer is explicitly limited to 24 hours and subject to availability.

From

695,465

Handover

Q3 2027

Payment Plan

60/40

Down Payment

20%

View
Developer DealOn Sale
Tiger Properties

Al Ghaf

Tiger Properties

Al Khan, Sharjah, UAE

Special Discount: 20%The Al Ghaf artwork explicitly shows a cash offer saving 20%, providing a direct price incentive for the featured 2-bedroom unit.
Special Discount: 10%The Al Ghaf artwork explicitly shows a 10% saving attached to the 50/50 plan, creating a price incentive alongside the installment structure.

From

699,000

Handover

Q1 2029

Payment Plan

60/40

Down Payment

10%

View
Developer DealOn Sale
Arthouse Hills Residences Development

Arthouse Hills

Arthouse Hills Residences Development

Arjan, Dubai, UAE

Special Discount: 10%An explicit 10% price reduction is offered on the Arthouse Hills Arjan 2-bedroom apartment when the post-handover arrangement is not used.
Special Discount: 6%The artwork advertises a 6% broker commission, providing an explicit sales incentive for brokers.
Special Discount: 5%A source-explicit 5% summer purchase-price discount is reflected in the listed discounted prices for the available Arthouse Hills Arjan units.

+3 more

From

913,888

Handover

Q4 2028

Payment Plan

60/40

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.