Off-plan, explained
How a payment plan actually runs.
A representative Dubai off-plan structure. Instalments are tied to construction milestones, not calendar dates — which is the detail that decides what happens when a project slips.
Representative only
Illustrative structure for explanation. Actual plans vary by developer and project, and nothing here is an offer. Verify the escrow account and RERA project registration before any payment.
20%
On booking
Deposit plus the 4% Dubai Land Department transfer fee and developer admin charges. This is the moment to confirm the project is RERA-registered and the escrow account exists.
10%
At 20% construction
First milestone instalment. Milestones are certified by an engineer, so a slow site means a later payment — cash-flow protection people rarely notice they have.
10%
At 40% construction
Structure typically topped out around here. Resale on assignment often becomes possible once a threshold of the price is paid — check the developer's NOC policy and fee.
10%
At 60% construction
Fit-out begins. Handover estimates firm up, and this is the realistic point to plan mortgage or exit financing if the balance will not be paid in cash.
50%
On handover
The balance, plus the first service-charge instalment and the DEWA connection. Snagging happens before you accept keys, not after — once accepted, remedy becomes considerably harder.