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Post-handover payment plans

Part of the price is paid after handover, in instalments over one to several years, while you already own — and can let — the unit. The split and the term are set per project; the project page carries the schedule we hold.

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.

Post-handover terms vary too much between projects for one worked example — the length of the tail and the share paid after keys are set per project. Open a project below for its own schedule.

41 projects currently offer this plan

Developer Deal
Reportage

Sensi

Reportage

Saadiyat Island, Abu Dhabi, UAE

Special Discount: 5%BRABUS & SENSI offer a 5% purchase discount with 30% down payment and 70% due at handover.
Special Discount: 2.5%Sensi is advertised with an explicit 2.5% purchase discount alongside a 25% down payment and 75% handover payment.
Post HandoverThe source explicitly states that 75% is payable at handover for Sensi.

From

3,824,930

Handover

Q2 2029

Payment Plan

69/31

Down Payment

30%

View
Developer Deal
Fakhruddin Properties

Treppan Vision

Fakhruddin Properties

Dubai Land Residence Complex (DLRC), Dubai, UAE

Special Discount: 8%An explicit 8% discount is offered for full-cash purchases, providing a direct price incentive for buyers able to complete payment upfront.
Special Discount: 4%An explicit 4% discount is available when 50% is paid upfront, creating a lower upfront-payment threshold than the full-cash offer.
Post HandoverThe plan defers 40% of the purchase price beyond handover, offering extended payment flexibility for 2-bedroom buyers.

From

660,000

Handover

Q4 2029

Payment Plan

50/50

Down Payment

10%

View
Developer DealOn Sale
OCTA Properties

Trio Isle

OCTA Properties

Al Marjan Island, Ras Al Khaimah, UAE

Post HandoverUpdated inventory message explicitly states Trio Isle has a 5-year PHPP.

From

2,950,888

Handover

Q4 2027

Payment Plan

60/40

Down Payment

20%

View
Developer Deal
Urban Properties Development

Urban Life

Urban Properties Development

Canal Heights 2, Business Bay, Dubai, UAE

Special Discount: 5%An explicit 5% broker commission incentive, with SPA payout stated within three days.
Post HandoverHalf of the 1-BHK payment is explicitly scheduled after handover over three years, reducing the amount due before and at handover.

From

1,890,749

Handover

Q2 2026

Payment Plan

30/70

Down Payment

20%

View
Developer DealOn Sale
Wadan Developments

Weston

Wadan Developments

Dubai Land Residence Complex (DLRC), Dubai, UAE

Special Discount: 17%A 17% purchase discount is explicitly offered for buyers paying 100% upfront, creating a material price incentive for cash purchasers.
Special Discount: 7%A 7% price reduction is explicitly offered for buyers using the 50/50 before-handover payment plan, improving the effective acquisition price.
Post HandoverThe 60/40 PHPP option explicitly defers 40% of the purchase price across installments after completion, extending buyer payments into the post-handover period.

From

650,000

Handover

Q4 2028

Payment Plan

45/55

Down Payment

15%

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.