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.
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Track this plan live in DealrHow off-plan payment plans work in Dubai
A Dubai off-plan payment plan splits the property price into staged payments tied to time or construction progress. You pay a booking amount when you sign the sales and purchase agreement, installments while the project is built, and a final share at handover. Buyer payments go into a DLD-supervised escrow account for the project, as required by Dubai's escrow law (Law No. 8 of 2007). The exact milestones live in your SPA and in the developer's statement of account (SOA), and every developer structures them differently, which is why two apartments at the same price can have completely different cash-flow profiles.
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.
Frequently asked questions
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.