Dubai off-plan paymentplan calculator
Model any Dubai off-plan payment plan in seconds: enter the price, pick the structure (60/40, 70/30, 80/20, 1% monthly, or post-handover), and get the full milestone schedule with the DLD 4% registration fee included. Free, no sign-up needed.
During construction
AED 900,000
On handover
AED 600,000
Avg monthly to handover
AED 20,000
Milestone schedule
Booking
On booking
AED 300,000
20%
Installment 1
Month 3
AED 66,666
4.4%
Installment 2
Month 6
AED 66,666
4.4%
Installment 3
Month 9
AED 66,666
4.4%
Installment 4
Month 12
AED 66,666
4.4%
Installment 5
Month 15
AED 66,666
4.4%
Installment 6
Month 18
AED 66,666
4.4%
Installment 7
Month 21
AED 66,666
4.4%
Installment 8
Month 24
AED 66,666
4.4%
Installment 9
Month 27
AED 66,672
4.4%
On handover
Month 30
AED 600,000
40%
On top of the plan: DLD registration fee of 4% (AED 60,000) plus the AED 40 Oqood admin fee. Trustee and developer admin charges vary by project.
Stop recalculating, start tracking
Dealr.ae turns your real payment plan into tracked installments with due dates and reminders, free.
Track this plan live in Dealr.aeWhat this calculator models
A Dubai off-plan payment plan splits the property price into staged payments tied to time or construction progress: a booking amount at the sales and purchase agreement, installments while the project is built, and a final share at handover, with buyer payments held in a DLD-supervised escrow account under Dubai's escrow law (Law No. 8 of 2007). This calculator turns any of those structures into a dated milestone schedule with the DLD 4% fee included. For the full picture - escrow, RERA oversight, and how developers structure milestones - read the guide on how off-plan payment plans work in Dubai.
The common plan structures, compared
The first number in a plan name is what you pay before keys, the second what you pay at or after handover. Lower construction shares ease your cash flow before handover but leave a bigger final payment.
| Structure | During construction | On handover | After handover |
|---|---|---|---|
| 60/40 | 60% | 40% | None |
| 70/30 | 70% | 30% | None |
| 80/20 | 80% | 20% | None |
| 1% monthly | Booking + 1% per month | Often none | 1% per month continues |
| Post-handover 60/40 | 60% | ~10% | ~30% over 2 to 3 years |
Fees to budget on top of the plan
The plan covers the property price only. On top of it, Dubai buyers pay the DLD registration fee of 4% of the purchase price, the Oqood registration admin fee for off-plan units, and any developer or trustee admin charges specific to the project. Factor the 4% in as an upfront cost: it is usually due at registration, early in the plan, not at handover.
How do off-plan payment plans work in Dubai?
You pay a booking amount when you sign, staged installments while the project is under construction, and a final share at handover. Some developers extend installments past handover (post-handover plans) or run flat 1% monthly plans. Every installment is defined in your SPA and the developer's statement of account.
What does 60/40 mean?
60% of the price is paid during construction (including your booking amount) and 40% at handover. The same reading applies to 70/30 and 80/20: the first number is paid before keys, the second at or after handover.
What fees are added on top of the payment plan?
The DLD registration fee of 4% of the purchase price, the Oqood registration admin fee, and any developer or trustee admin charges for your project. Budget the 4% as a real upfront cost - it is usually due at registration, not at handover.
Is this calculator exact for my project?
It models the standard structures developers quote. Your actual milestones come from your SPA and statement of account, which is exactly what Dealr.ae tracks: upload the SOA and your real dated plan is built for you, free.