Property Finance Tools
Review payment timelines for off-plan purchases. Calculate payment milestones, DLD fees, and total acquisition costs.
Construction period: 36 months
Registration fee for off-plan contract. Varies by developer.
Payment Milestones
Total Acquisition Cost
AED 1,564,000
Purchase
AED 1.5M
DLD (4%)
AED 60K
Admin
AED 4K
| Date | Milestone | % | Amount |
|---|
Off-plan purchases follow developer payment plans tied to construction milestones, not traditional mortgage schedules.
Payment timing linked to project progress
Banks generally don't finance off-plan until completion. Payment plans are your financing mechanism during construction.
Mortgage available post-handover only
Dubai Land Department charges 4% of purchase price, typically due within 30 days of booking. This is your main additional cost.
No brokerage fee (developer pays)
| Plan Type | During Construction | On Handover | Post-Handover | Best For |
|---|---|---|---|---|
| 20/80 | 20% | 80% | - | Investors with end-buyer or financing plan |
| 40/60 | 40% | 60% | - | Balanced cash flow approach |
| 60/40 | 60% | 40% | - | Lower handover burden |
| 80/20 | 80% | 20% | - | Minimal handover payment, front-loaded |
| Post-Handover | 50% | 20% | 30% | Maximum flexibility, rental income covers payments |