Payment plan calculator
Adjust the price and payment split to see your estimated costs.
Your purchase
Understanding your plan
How UAE off-plan payment plans work
Off-plan payment plans spread the purchase price across key stages of the development, rather than requiring the full amount upfront. A typical structure includes an initial deposit, scheduled instalments during construction, and a final payment when the property is handed over.
The payment schedule can be just as important as the headline price. Pay close attention to how much is due before completion, the proportion payable at handover, and whether any remaining balance extends into a post-handover payment plan.
Common questions
Payment plan FAQs
How does an off-plan payment plan work?
An off-plan payment plan divides the property price into scheduled stages linked to booking, construction, handover and, in some cases, the period after handover. The exact dates and milestones are set by the developer and the sale agreement.
What does a 20 / 50 / 30 payment plan mean?
It means 20% is paid as the initial amount, 50% across construction and 30% at handover. Developers can divide the construction portion into several smaller instalments.
What is a post-handover payment plan?
A post-handover plan allows an agreed part of the price to be paid after the property is completed. The length, frequency and eligibility rules vary between projects.
Which registration fees does the calculator include?
The calculator adds 4% for Dubai and Sharjah, and 2% for the other Emirates. It shows this separately from the property price so payment plans remain easy to compare.
What happens when I select a DLD waiver?
A fee waiver is an incentive where the developer covers some or all of the registration fee. Selecting the waiver removes the calculator's estimated registration fee from the total. Confirm what the developer's offer covers before reserving.
Does the calculator include every buying cost?
No. It models a developer payment plan and the selected registration estimate. Mortgage repayments, administration charges, service charges, valuation, insurance, furnishing and other purchase costs are not calculated.
Helpful reading
Make a better-informed comparison
Understand the costs and checks that sit around the payment schedule.