Meraas payment plans, explained
Meraas (the master developer arm of Dubai Holding Real Estate) sells off-plan almost exclusively on calendar-dated, construction-period plans that finish at handover - post-handover terms are rare on current launches. The house pattern for 2024-2026 apartment launches in City Walk and d3 is 75/25 with a 20% booking down payment and roughly six ~5-10% dated installments (Verve, Northline, Crestlane, Atelis, The Edit at d3).
How Meraas structures its payment plans
Villa communities vary more: The Acres launched at 65/35 with an unusually low 5% booking + 5% on SPA signing, while Nad Al Sheba Gardens Phase 7 (Dec 2024) runs 80/20 on 3-5BR homes but 60/40 on 6-7BR villas - same project, two plans. Older 2022-2023 launches used 80/20 (Bluewaters Bay), 60/40 (Design Quarter at d3) and 70/30 (Central Park's Thyme/Erin), and the 2025 flagship Jumeirah Residences Emirates Towers is marketed at 60/40. Standard booking is 20% down plus the 4% DLD fee per Meraas's own FAQ; DLD waivers (50%, 100%, or "developer pays 4%") appear as per-campaign promotions on select inventory, mainly via brokers. Buyers manage everything through the Meraas app (SOA, payments, receipts) with escrow-account details shown on the SOA; installment dates are calendar-based and get pushed only on confirmed construction-milestone delays.
| Plan | What it means |
|---|---|
| 75/25 (20% booking, ~55% dated installments, 25% handover) | Current signature Meraas apartment plan: 20% down payment on booking, then six or seven calendar-dated installments of 5-10% totaling ~55%, and 25% on handover. |
| 80/20 (20% booking, 60% installments, 20% handover) | Used on villa/townhouse phases and some earlier apartment towers: 20% down on booking, dated installments of 5-10% totaling 60% during construction, and 20% on handover. |
| 65/35 with 5% booking + 5% on SPA (The Acres villa plan) | The Acres official PDF (launch Jan 2024): 5% on booking, 5% on SPA signing, 10% May 2024, 10% Sep 2024, then seven 5% installments through Jun 2026, and 35% at handover. |
| 60/40 (20% booking, 40% installments, 40% handover) | Offered where Meraas wants a heavier handover balloon: 20% on booking, dated installments to 60% pre-completion, and 40% at handover (official NASG Phase 7 PDF applies it to 6-7BR villas). |
| 70/30 (20% booking, 50% installments, 30% handover) | Seen on 2023-era Central Park at City Walk phases: Thyme ran 20% on booking, then 10% roughly every six months, with 30% at handover. |
The plans in detail
75/25 (20% booking, ~55% dated installments, 25% handover): Current signature Meraas apartment plan: 20% down payment on booking, then six or seven calendar-dated installments of 5-10% during construction totaling ~55%, and 25% on handover. Verified in full on The Edit at d3 official PDF: 20% booking, 10% Apr 2026, 5% Aug 2026, 10% Jan 2027, 10% Jun 2027, 10% Nov 2027, 10% Mar 2028, 25% at June 2030 handover. Crestlane runs 20% booking + 10/5/10/10/10/10 through May 2027 + 25% at Oct 2028 completion; Northline was 20% booking + installments to 25% at July 2027 handover. Recent examples: The Edit at d3 (launched Nov 2025, handover Jun 2030); City Walk Crestlane (launched 2025, handover Q4 2028); Verve City Walk (launched 2024, handover 2027-2028).
80/20 (20% booking, 60% installments, 20% handover): Used on villa/townhouse phases and some earlier apartment towers: 20% down on booking, dated installments of 5-10% totaling 60% during construction, 20% on handover. Verified on the official Nad Al Sheba Gardens Phase 7 PDF (Dec 2024) for 3BR townhouses to 5BR villas: 20% booking, 10% May 2025, 5% Nov 2025, 10% Apr 2026, 10% Sep 2026, 10% Feb 2027, 10% Jul 2027, 5% Nov 2027, 20% at Aug 2028 handover. Brokers also report 80/20 on Bluewaters Bay (Oct 2022 launch, handover Q3 2027). Recent examples: Nad Al Sheba Gardens Phase 7, 3-5BR (launched Dec 2024, handover Aug 2028); Bluewaters Bay (launched Oct 2022, handover Q3 2027).
65/35 with 5% booking + 5% on SPA (The Acres villa plan): The Acres official PDF (launch Jan 2024): 5% on booking, 5% on SPA signing, 10% May 2024, 10% Sep 2024, then seven 5% installments (Dec 2024 through Jun 2026), 35% at Oct 2027 handover - i.e. 65% during construction / 35% on completion with a notably low entry of 10% split across booking and SPA. The Acres Estates phase (bookings from Sep 2024) is marketed on the same 65/35 structure. Recent examples: The Acres, Dubailand (launched Jan 2024, handover Oct 2027); The Acres Estates (bookings Sep 2024); The Acres Phase 3 (2025, handover Q3 2028).
60/40 (20% booking, 40% installments, 40% handover): Offered where Meraas wants a heavier handover balloon: official NASG Phase 7 PDF applies it to 6-7BR villas (20% booking, 10% May 2025, 5% Nov 2025, 10% Apr 2026, 5% Sep 2026, 5% Feb 2027, 5% Jul 2027, 40% at Aug 2028 handover). Brokers report 60/40 on Jumeirah Residences Emirates Towers (Feb 2025 launch: 20% down, 40% construction, 40% at ~Aug 2030 handover) and on Design Quarter at d3 (Jan 2023 launch; booking reported as 10% or 20% depending on source, 40% on handover ~Q2 2027). Meraas's own payment-plans guide also lists 60/40 as a standard structure. Recent examples: Nad Al Sheba Gardens Phase 7, 6-7BR villas (Dec 2024, handover Aug 2028); Jumeirah Residences Emirates Towers (launched Feb 2025, handover ~Aug 2030); Design Quarter at d3 (launched Jan 2023, handover Q2 2027).
70/30 (20% booking, 50% installments, 30% handover): Seen on 2023-era Central Park at City Walk phases: Thyme ran 20% on booking, then 10% roughly every six months (Oct 2023 - Oct 2025), 30% at Aug 2026 handover; Erin at Central Park is reported at 70/30 with handover Q3 2026. Broker guides list 70/30 as one of Meraas's standard construction-linked options. Recent examples: Thyme, Central Park at City Walk (launched 2023, handover Aug 2026); Erin, Central Park at City Walk (handover Q3 2026).
Post-handover plans (legacy/promotional only): Meraas's own FAQ and guide confirm post-handover plans exist 'for select projects' per the SPA, but no 2024-2026 launch carries one - all current plans end at handover. Historical examples: early Central Park phases were marketed with a 60/40 + 2-year post-handover option (~2021-2022), and a COVID-era 'Meraas Special Scheme' offered 20% to handover / 80% over 5 years post-handover plus a 4% DLD waiver on ready inventory such as Port de la Mer (that promo page is now offline). Treat any post-handover claim on a current Meraas launch as unverified until the developer confirms it. Recent examples: Central Park at City Walk early phases (~2021-2022, 2-yr post-handover); Port de la Mer ready units (~2020 promo, 5-yr post-handover + DLD waiver).
Booking, fees, and where to pay
Buyer portal is the Meraas app (by DHRE Technology / Dubai Holding Real Estate): SOA viewing, quick payments, receipt downloads. The Meraas app on iOS and Android lets customers view their Statement of Account, make payments, download receipts, request services and apply for property modifications. SOA/escrow factsheet can also be requested via customersupport@meraas.ae or 800-MERAAS (800-637227). Brokers use a separate Salesforce-based agent portal (meraas.my.site.com/agentportal).
Standard booking = 20% down payment + 4% DLD fee; DLD stated explicitly in Meraas's own FAQ. Meraas FAQ: 'Down payment is usually 20% and DLD Fee is 4%.' The 4% DLD registration fee is collected from the buyer (off-plan Oqood registration); title-deed fees are settled at 100% payment/handover. The Acres (5% booking + 5% SPA) is the notable recent exception to the 20% norm.
Payment methods and limits (developer FAQ): cards accepted up to 20% of unit value surcharge-free, 1.5% fee above; cash capped at AED 55,000. Accepted: manager's cheques, post-dated/certified cheques from local banks, bank transfers, credit/debit cards (up to 20% of total value at no charge, 1.5% fee beyond). Cash limited to AED 55,000 per transaction. Bounced cheque penalty AED 1,000 + 5% VAT. All off-plan collections route through RERA-regulated escrow accounts; escrow bank details appear on the SOA.
Meraas installments are calendar-dated, not construction-percentage-linked; dates shift only on confirmed milestone delays. All three official payment-plan PDFs (The Edit at d3, NASG Phase 7, The Acres) specify month/year due dates for every installment plus an 'estimated construction completion' date for the handover payment. Meraas FAQ: if milestones are delayed, 'payment due dates will be updated based on the Project Management's confirmation.' For a tracking app this means Meraas schedules can be modeled as fixed calendar dates.
DLD-fee waivers are per-campaign promotions (50% or 100%), mostly broker-advertised on select inventory - not a standing Meraas policy. Broker campaigns have advertised '100% DLD waiver' and '50% DLD waiver' on Central Park at City Walk inventory, a '4% DLD fee waiver' on The Acres villas, and (historically, ~2020) 100% DLD waiver on Port de la Mer. Waivers are time-boxed and unit/phase-specific; the default remains buyer pays 4%. Verify against the current campaign before quoting.
Meraas launches use an EOI (expression of interest) queue, typically AED 20,000-50,000, credited to the down payment. Like Emaar and DAMAC, Meraas runs EOI-based allocations for new launches; industry guides put typical EOI deposits at AED 20k-50k (higher for limited waterfront/branded stock), refundable if the buyer doesn't proceed and otherwise credited toward the booking down payment. Meraas does not publish a fixed EOI tariff - amount varies per launch.
Same project can carry two different plans by unit type (NASG Phase 7: 80/20 on 3-5BR, 60/40 on 6-7BR). The official Nad Al Sheba Gardens Phase 7 price-and-payment PDF (Dec 2024) shows 3BR townhouses-5BR villas on 80/20 while 6BR and 7BR villas get 60/40 with smaller mid-construction installments - a guide should never assume one plan per project name.
Model any of these structures with the free off-plan payment plan calculator, or upload your SOA to Dealr.ae and track the real schedule with reminders.
Dealr.ae is an independent platform, not affiliated with, endorsed by, or sponsored by any developer. Payment plans vary per project and launch and change without notice; figures here reflect publicly available information as of 11 July 2026. Always confirm the current plan in your SPA and with the developer.
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Frequently asked questions
On most current apartment launches (City Walk, d3, Emirates Towers) it is a 20% down payment on booking plus the 4% DLD registration fee - Meraas's own FAQ states 'down payment is usually 20% and DLD fee is 4%.' The main recent exception was The Acres villas, which launched at just 5% on booking plus 5% on SPA signing. New launches are usually allocated via a refundable EOI deposit (typically AED 20k-50k) that is credited to the down payment.