Samana Developers payment plans, explained
Written by the Dealr.ae Research Team · Updated 11 July 2026
Samana Developers is Dubai's flagship "1% monthly" developer: nearly every launch in 2025-2026 uses a date-based (not construction-milestone) schedule of a 15-20% booking down payment followed by equal 1% monthly installments, usually with one or two lump-sum boosters (typically 10% at month 12), running 70-85 months so the plan extends 3-5 years past handover for a total of roughly 8 to 8.5 years.
How Samana Developers structures its payment plans
Many launches come in two tracks: a PDC plan (post-dated cheques, lower booking %, longer tail) and a Non-PDC plan (higher booking %, shorter tail). In November 2025 Samana added a headline zero-down option - 0% upfront, then 2% per month for 50 months on select projects - positioned alongside Dubai's First-Time Home Buyer programme, which Samana formally joined in 2025 (2% discount, waived admin fees, priority inventory for first-time buyers). At the investor end, Samana markets a 100% upfront option with a contractually guaranteed 8% ROI for 3 years, plus discounts for heavier down payments. Buyers typically pay the 4% DLD fee plus an admin/Oqood fee at booking on top of the down payment; DLD-waiver promotions appear per-launch rather than as standing policy. Post-purchase, buyers use the online portal at online.samanadevelopers.com (Salesforce-based registration, card/Apple Pay payments via Amazon Payment Services) for payments; exact percentages vary per launch, so always confirm against the project's current payment-plan sheet.
| Plan | What it means |
|---|---|
| Classic 1% monthly, ~8-year plan with 3-5 years post-handover (Samana signature) | 15-20% on booking, then 1% of price per month for 70-85 months, usually with a 10% lump sum at month 12, for a total plan length of about 8 to 8.5 years. |
| PDC vs Non-PDC dual-track plans | Many launches offer two versions of the same plan: a PDC plan (post-dated cheques) with a lower booking amount and a longer 1% tail, and a Non-PDC plan with a higher upfront share and a shorter tail. |
| Zero-down plan: 0% upfront + 2% monthly x 50 months | Announced 18 November 2025: no initial down payment at all, then 2% of the price per month for 50 months (= 100%), interest-free on select projects. |
| 0.5% monthly post-handover variant (up to ~8.5 years total) | A softer cadence promoted as Samana's '0.5% Monthly Payment Plan': 1% monthly pre-handover switching to 0.5% monthly after handover. |
| 100% upfront investor option with guaranteed ROI | For full upfront payment Samana contracts a guaranteed 8% annual ROI for 3 years, paid via registered rental arrangements. |
The plans in detail
Classic 1% monthly, ~8-year plan with 3-5 years post-handover (Samana signature): 15-20% on booking, then 1% of price per month for 70-85 months, usually with a 10% lump sum at month 12 (some launches add a 5% booster mid-schedule). Because the monthly cadence continues past completion, roughly 23-36% of the price falls after handover, giving a total plan length of about 8 to 8.5 years. Marketed by the developer itself as the '8-Year Payment Plan' (samanadevelopers.com/offer/22) with 'no balloon payments'. Schedules are date-based, not construction-milestone-based. Recent examples: Samana Boulevard Heights (2025: 20% down + 10% at month 12 + 1% x 70 months); Samana Ocean Crest, Dubai Islands (launched late 2025, handover Q2 2029: 20% booking + 1% x 70 + 10% at month 12, ~3 years post-handover); Samana Ivy Gardens 2, Dubailand (launched June 2024, handover Q4 2027: 20% down, ~77/23 split, 8.5-year plan with 5 years post-handover).
PDC vs Non-PDC dual-track plans: Many launches offer two versions of the same plan: a PDC plan (buyer lodges post-dated cheques) with a lower booking amount and a longer 1% tail, and a Non-PDC plan with a higher upfront share and a shorter tail. Greenfield (developer's own blog): PDC = 5% booking + 5% at month 1 + 5% at month 4 + 1% x 85 months; Non-PDC = 5% booking + 10% at month 1 + 5% at month 4 + 1% x 80 months. Hills South 2 (broker): PDC = 15% booking + 10% at month 12 + 1% x 75; Non-PDC = 20% booking + 10% at month 12 + 1% x 70. Brokers also generalize this as '10% down with PDCs / 15% without'. Recent examples: SAMANA Greenfield, Al Warsan (2025-2026 sales); Samana Hills South 2, Dubai South (2025 launch, handover Q3 2028).
Zero-down plan: 0% upfront + 2% monthly x 50 months: Announced 18 November 2025: no initial down payment at all, then 2% of the price per month for 50 months (= 100%), interest-free, on select projects in the portfolio. Publicly framed by CEO Imran Farooq as removing the deposit hurdle and dovetailing with Dubai's First-Time Home Buyer programme (properties up to AED 5M). Confirm per-project availability - it is not portfolio-wide. Recent examples: Select Samana projects portfolio-wide (developer did not name specific qualifying projects at announcement, Nov 2025).
0.5% monthly post-handover variant (up to ~8.5 years total): A softer post-handover cadence Samana promotes as its '0.5% Monthly Payment Plan' (samanadevelopers.com/offer/24): 1% monthly pre-handover switching to 0.5% monthly after handover. Barari Lagoons example: 20% down + 1% x 42 months + 10% and 5% boosters pre-handover, then 0.5% x 46 months post-handover (= 23%), completion April 2028 - about 8 years end to end. Recent examples: Samana Barari Lagoons, Majan (2025 launch, completion April 2028).
Premium/waterfront handover-weighted plans (Dubai Islands): On premium Dubai Islands launches some brokers list shorter, handover-weighted structures instead of the long 1% tail. Ocean Pearl 2 reportedly offered Option 1: 15% at launch + 55% in 4 construction installments + 30% on handover, and Option 2: 20% + 55% + 25% on handover. Ocean Pearl (phase 1, handover Dec 2026) broker tables instead show 20% booking + 1% monthly with 10%/10%/5% boosters and ~25-30% post-handover over 25-30 months - broker tables conflict, so treat exact splits as indicative only. Recent examples: Samana Ocean Pearl 2, Dubai Islands (launched ~Dec 2024/Jan 2025, completion ~Q1 2027); Samana Ocean Pearl, Dubai Islands (handover Dec 2026).
100% upfront investor option with guaranteed ROI: For full upfront payment Samana contracts a guaranteed 8% annual ROI for 3 years (paid via registered rental arrangements, quarterly or annually); one 2026 broker promo claims an upgrade to 9% for 3 years plus a 40/60 handover plan. Larger down payments also earn price discounts (e.g. 5% off for 30% down at Ocean Pearl; one source claims up to 30% off for full payment - unverified). Recent examples: Samana Sky Views, Dubai Production City (2025-2026 resale/investor offers); Samana Hills South (2025); Samana Resorts, Dubai Production City.
Booking, fees, and where to pay
Buyer portal is online.samanadevelopers.com; payments run through Amazon Payment Services. Samana's customer portal login sits at online.samanadevelopers.com (linked from samanadevelopers.com/client-login; registration runs on Salesforce Sites, indicating a Salesforce-based CRM). Samana integrated Amazon Payment Services for online payments, supporting credit/debit cards and Apple Pay. Some Trustpilot reviewers note the portal is the primary payment channel but that payment-receipt confirmations can lag - buyers should keep their own receipts. SOAs/statements are serviced via the portal and customer support.
Buyers normally pay the 4% DLD fee plus an admin/Oqood fee at booking, on top of the down payment. Typical Samana booking economics: down payment (15-20%) + 4% DLD registration fee + admin fee (~AED 540-580) at Oqood registration. Example: Samana Park Meadows was sold as 20% down + 4% DLD, then 1% monthly for 42 months. DLD-waiver or fee-split promotions appear per-launch/per-campaign, not as standing policy - verify on the current offer sheet before telling a buyer the DLD fee is covered.
Samana joined Dubai's First-Time Home Buyer (FTHB) programme in 2025 with concrete buyer perks. Under the DLD/DET FTHB programme, Samana offers first-time buyers priority access to up to 10% of inventory, a 2% price discount, extended payment flexibility, and waived administrative fees across projects in Arjan, Dubai Production City and Dubai South. The Nov 2025 zero-down plan was explicitly positioned to complement FTHB (properties up to AED 5M).
Samana schedules are time-based (calendar-monthly), not construction-milestone-based. Across Boulevard Heights, Hills South 2, Greenfield, Barari Lagoons and Ocean Crest, installments fall on fixed calendar months from booking (1% monthly, boosters at month 12, etc.) rather than on construction milestones. This makes payment tracking predictable for buyers but means installments continue regardless of construction pace; plans are marketed as interest-free with no balloon payments.
Post-handover tails of 3-5 years are standard; claims of 'up to 8 years post-handover' are broker marketing. Verified recent examples show 3 years (Ocean Crest), 4 years (Resorts 2), and 5 years (Ivy Gardens 2) post-handover. Some broker guides claim select Samana projects extend post-handover to 8 years - no developer-confirmed example found; treat as unverified.
Model any of these structures with the free off-plan payment plan calculator, or upload your SOA to the off-plan payment plan tracker and follow the real schedule with reminders. New to off-plan? Start with how off-plan payment plans work in Dubai.
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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What down payment does Samana actually require?
Standard launches ask 15-20% on booking (20% is most common in 2025-2026 launches like Boulevard Heights, Ocean Crest and Resorts 2; 15% on some PDC plans like Hills South 2). Select projects run as low as 5% booking (Greenfield) and, since November 2025, a zero-down option exists on select projects - 0% upfront, then 2% per month for 50 months. On top of the down payment, budget the 4% DLD fee plus an admin fee at booking unless the project's current promo waives it.
How does the famous Samana 1% monthly plan really work?
After the booking down payment, the balance is split into equal monthly installments of 1% of the purchase price, typically for 70-85 months, usually with a 10% lump sum at month 12 (sometimes an extra 5% booster). The monthly cadence continues past handover, so total plan length is around 8 to 8.5 years with roughly 23-36% of the price paid after you get the keys. Installment dates are calendar-based from booking, not tied to construction progress.
What is the difference between Samana's PDC and Non-PDC payment plans?
PDC plans require lodging post-dated cheques and reward you with a lower upfront share and a longer schedule (e.g. Hills South 2: 15% booking + 1% x 75 months). Non-PDC plans skip the cheques but ask more upfront and run shorter (20% booking + 1% x 70 months). Greenfield shows the same pattern at the 5% booking tier (85 vs 80 months). Overseas buyers without UAE cheque books usually take the Non-PDC track.
Where do buyers make payments and get their statement of account?
Through Samana's customer portal at online.samanadevelopers.com (reached via the Client Login on samanadevelopers.com). Card and Apple Pay payments are processed via Amazon Payment Services; bank transfer to the project's RERA escrow account is also standard. Keep independent records - some buyers report the portal is slow to confirm receipt of payments.
Does Samana pay the 4% DLD fee?
By default, no - recent Samana plans list the 4% DLD fee (plus an admin/Oqood fee) as payable by the buyer at booking, e.g. Park Meadows was sold as '20% down + 4% DLD'. DLD-waiver promotions do appear on specific launches or campaigns, and first-time buyers get waived admin fees and a 2% discount under the DLD First-Time Home Buyer programme Samana joined in 2025. Always check the current project offer sheet rather than assuming a waiver.
Is the guaranteed ROI offer tied to how I pay?
Yes - the guaranteed 8% annual ROI for 3 years (one 2026 promo claims 9%) applies when you pay 100% upfront, contracted through registered rental arrangements. Larger down payments also unlock price discounts on some projects (e.g. 5% off for 30% down at Ocean Pearl). If you take the long 1% monthly plan instead, no ROI guarantee applies.