Off-plan payment plan explainer
What you actually owe, and when.
The short answer
An off-plan payment plan is a schedule, not a discount. What matters is when each instalment falls due, whether it is triggered by a construction milestone or a calendar date, and how much lands at handover. This tool lays a plan out instalment by instalment so you can see the shape of it before you commit to it.
Ask Noor to explain this simplyQuarterly, in most developer plans. The remaining percentage is spread across these.
80% of the price falls due on or before handover. That is the money you need to actually have; the rest follows afterwards.
After handover
Spread across 8 quarterly instalments.
- Sept 2026Booking20.0%AED 360,000
- Feb 2027Construction instalment 110.0%AED 180,000
- Jul 2027Construction instalment 210.0%AED 180,000
- Nov 2027Construction instalment 310.0%AED 180,000
- Apr 2028Construction instalment 410.0%AED 180,000
- Sept 2028Handover20.0%AED 360,000
- Dec 2028Post-handover instalment 12.5%AED 45,000
- Mar 2029Post-handover instalment 22.5%AED 45,000
- Jun 2029Post-handover instalment 32.5%AED 45,000
- Sept 2029Post-handover instalment 42.5%AED 45,000
- Dec 2029Post-handover instalment 52.5%AED 45,000
- Mar 2030Post-handover instalment 62.5%AED 45,000
- Jun 2030Post-handover instalment 72.5%AED 45,000
- Sept 2030Post-handover instalment 82.5%AED 45,000
- Instalment spacing
- Construction payments spread evenly to handover
- Post-handover
- Quarterly, which is the usual developer pattern
- Not included
- DLD fees, which fall due at registration, not on this schedule
Developer plans are often linked to construction milestones rather than dates, so real instalments can arrive earlier or later than shown. Use this to understand the shape of a plan, and the developer's own schedule for the dates you commit to.
Put a real property behind it.
A calculator works with the numbers you give it. We work with the building, the seller and the service charge schedule, which is where the answer usually changes.
Questions
Asked and answered
Why does the split matter?
Because a plan advertised as 60/40 can mean very different things. What matters is how much falls due before handover, when the instalments land, and whether the post-handover portion is interest-free. This lays them out as dates and amounts.