Dubai Off-Plan Payment Plan Calculator
Developers quote percentages — 60/40, 80/20, 1% monthly. This turns any plan into actual AED amounts: what you pay at booking, each month during construction, at handover, and after.
How Dubai payment plans work
Off-plan is the defining feature of the Dubai market: you buy at today's price and pay in installments while the project is built. A typical plan starts with a booking payment of 5–20% (plus the 4% DLD registration), continues with monthly or milestone installments through construction, and ends with a handover payment when keys are delivered. Post-handover plans — often marketed as "1% monthly" — push part of the price into the years after completion, easing the cash burden but usually at a price premium.
What to check before you commit
- Monthly cash flow, not percentages. "60/40 over 30 months" sounds gentle until you see the AED figure per month next to your income. That's the number this calculator surfaces.
- The handover balloon. A 40% handover payment on an AED 1.5M unit is AED 600,000 due at once. If you plan to mortgage it, confirm eligibility early — our mortgage calculator shows what that loan would cost.
- Developer track record. A generous plan from a developer who delivers late is worse than a standard plan from one who delivers on time.
- The area's trajectory. You're buying 2–3 years ahead — infrastructure matters more than the showroom. Compare communities on our areas pages and see how new metro lines move prices in our Blue Line analysis.
Frequently asked questions
What does a 60/40 payment plan mean?
You pay 60% of the price before handover — typically a 10–20% booking amount plus monthly or milestone installments during construction — and the remaining 40% when you receive the keys. An 80/20 plan shifts more to the construction period; a post-handover plan stretches part of the price into monthly payments after you move in.
Is my money protected when buying off-plan in Dubai?
Yes — RERA requires every off-plan project to have a registered escrow account, and your installments can only be released to the developer as construction milestones are certified. Always verify the project and escrow registration on the Dubai REST app before paying anything.
Can I get a mortgage for an off-plan property?
Financing at booking is capped at 50% loan-to-value, so most off-plan buyers pay the construction installments in cash and then mortgage the handover payment once the property is ready, when normal ready-property LTV caps apply. Calculate the handover mortgage →
Can I sell an off-plan property before handover?
Yes — assignment (resale before completion) is common, but most developers require you to have paid 30–40% of the price first and charge an NOC fee to approve the transfer. Factor that threshold in if your strategy is to flip before handover.
What fees apply on top of the payment plan?
The 4% DLD registration (Oqood) fee plus AED 40 is due at purchase — the calculator includes it in the booking amount. There is usually no agency commission buying directly from a developer. At handover, expect developer admin fees and your first year of service charges. See all buying costs →
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