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100/0 payment plan

The price is split 100/0: the first tranche during construction, the last on or after handover, and the rest as instalments between. Developers set the dates per project — the project page carries the schedule we hold.

Why buyers choose it

  • Payments track construction, so cash leaves in stages rather than up front.
  • A larger handover share keeps more of your capital working elsewhere until completion.
  • Developer plans usually carry no interest, unlike a mortgage drawn from day one.

What to check

  • The handover payment is one large sum — decide how you will fund it, mortgage or cash, before you book.
  • A construction delay moves the handover date, not your instalment dates during construction.
  • Booking amounts, instalment dates and late-payment terms differ per project — read the sales agreement.

At handover the remaining balance is due before keys and title transfer. A mortgage on an off-plan unit is normally arranged in the final months before completion, and UAE banks generally finance up to 50% of the price for expatriate buyers.

Worked example

This structure does not read as a percentage split, so no example can be drawn.

Amounts are in AED and exclude the 4% Dubai Land Department fee, Oqood registration, agency fees and service charges unless the developer's offer says otherwise.

238 projects currently offer this plan

Developer Deal
Nakheel

Palm Jebel Ali Plots

Nakheel
Special Payment Plan: ADCB off-plan financing access after 50% paid to NakheelEligible Palm Jebel Ali buyers can access ADCB home-financing solutions after paying 50% of the property's value to Nakheel, irrespective of construction progress. The offer also includes financing pre-approval validity of up to 18 months, pricing from 3.49% per annum fixed for three years, waived processing and valuation fees, digital onboarding, exclusive rewards, and access to ADCB Mortgage Centers.

From

42,000,000

Handover

Q4 2027

Payment Plan

100/0

Down Payment

20%

View
Developer DealOn Sale
Samana Developers

Samana Hills South 3

Samana Developers

Dubai South, Dubai, UAE

Special Payment Plan: Current SAMANA low-entry payment-plan campaign with Oqood registrationSAMANA's official page announces two payment structures across its entire inventory, paired with Oqood registration through the Dubai Land Department. The 80-month option requires 5% down, 1% monthly for 80 months, and 5% milestone payments in months 6, 12 and 18. The 50-month option requires 2% at booking followed by 2% monthly for the next 49 months. DLD registration, Oqood and administration charges are separate.

From

639,000

Handover

Q4 2028

Payment Plan

100/0

Down Payment

20%

View
Developer Deal
Samana Developers

Samana Hills South

Samana Developers

Dubai South, Dubai, UAE

Special Payment Plan: Current SAMANA low-entry payment-plan campaign with Oqood registrationSAMANA's official page announces two payment structures across its entire inventory, paired with Oqood registration through the Dubai Land Department. The 80-month option requires 5% down, 1% monthly for 80 months, and 5% milestone payments in months 6, 12 and 18. The 50-month option requires 2% at booking followed by 2% monthly for the next 49 months. DLD registration, Oqood and administration charges are separate.

From

560,000

Handover

Q1 2028

Payment Plan

100/0

Down Payment

20%

View
Developer DealOn Sale
Samana Developers

Samana Resorts

Samana Developers

Samana Resorts, Dubai Production City (IMPZ), Dubai, UAE

Special Payment Plan: Current SAMANA low-entry payment-plan campaign with Oqood registrationSAMANA's official page announces two payment structures across its entire inventory, paired with Oqood registration through the Dubai Land Department. The 80-month option requires 5% down, 1% monthly for 80 months, and 5% milestone payments in months 6, 12 and 18. The 50-month option requires 2% at booking followed by 2% monthly for the next 49 months. DLD registration, Oqood and administration charges are separate.

From

762,000

Handover

Q2 2028

Payment Plan

100/0

Down Payment

20%

View
Developer Deal

House of WELL

WEll Concept Development

Beach Residences Dubai Islands, Rixos Dubai Islands Hotel & Residences, Dubai Islands, Dubai, UAE

DLD Waiver: AED 108,028.54The offer explicitly waives AED 108,028.54 of DLD fees for Unit 208, reducing upfront acquisition costs.
Special Discount: 10%The sales offer explicitly shows a 10% discount for Unit 208, reducing the listed price from AED 3,215,135.36 to AED 2,700,713.70.
Post HandoverThe payment schedule defers 70% of the purchase price until handover, explicitly identified as December 2027 in the artwork.

From

1,866,824

Handover

Q1 2027

Payment Plan

100/0

Down Payment

100%

View
Developer Deal
Samana

IVY Gardens 2

Samana

Dubailand, Dubai, UAE

Special Payment Plan: Current SAMANA low-entry payment-plan campaign with Oqood registrationSAMANA's official page announces two payment structures across its entire inventory, paired with Oqood registration through the Dubai Land Department. The 80-month option requires 5% down, 1% monthly for 80 months, and 5% milestone payments in months 6, 12 and 18. The 50-month option requires 2% at booking followed by 2% monthly for the next 49 months. DLD registration, Oqood and administration charges are separate.

From

1,041,000

Handover

Q4 2027

Payment Plan

100/0

Down Payment

20%

View
Developer DealOn Sale
Samana Developers

IVY Gardens by Samana

Samana Developers

Al Manal Residence 1, Al Manal Residence, Dubai Silicon Oasis (DSO), Dubai, UAE

Special Payment Plan: Current SAMANA low-entry payment-plan campaign with Oqood registrationSAMANA's official page announces two payment structures across its entire inventory, paired with Oqood registration through the Dubai Land Department. The 80-month option requires 5% down, 1% monthly for 80 months, and 5% milestone payments in months 6, 12 and 18. The 50-month option requires 2% at booking followed by 2% monthly for the next 49 months. DLD registration, Oqood and administration charges are separate.

From

1,327,000

Handover

Q2 2026

Payment Plan

100/0

Down Payment

20%

View
Developer DealNew Launch
Rabdan Developments

Rabdan Avenue

Rabdan Developments

Meydan, Dubai, UAE

Special Discount: AED 3,000 BonusA fixed AED 3,000 broker bonus is explicitly offered on every successful sale, creating a direct sales incentive for brokers.

From

6,600,000

Handover

Q1 2029

Payment Plan

100/0

Down Payment

—

View
New Launch
Binghatti

Binghatti Starfall

Binghatti

Al Jaddaf, Dubai, UAE

From

775,000

Handover

Q3 2028

Payment Plan

100/0

Down Payment

60%

View
New Launch
ALDAR

Yas Riva Reserve

ALDAR

Yas Island, Abu Dhabi, UAE

From

7,900,000

Handover

Q3 2030

Payment Plan

100/0

Down Payment

50%

View

Bab Al Qasr Garden Residence 65

Burtville Developments

Masdar City, Abu Dhabi, UAE

From

1,810,000

Handover

Q1 2030

Payment Plan

100/0

Down Payment

100%

View

Payment plan questions

Is the payment plan the same for every unit in a project?
Usually, but developers can vary booking amounts and instalment dates by launch phase or unit type. The project page shows the plan we hold; confirm the schedule in the sales and purchase agreement.
Can I get a mortgage on an off-plan payment plan?
Yes — typically for the handover payment. UAE banks generally finance up to 50% of an off-plan purchase price for expatriates, with the construction-stage instalments paid from your own funds.
What happens if I miss an instalment?
The sales agreement sets the grace period and any penalty, and Dubai Land Department rules allow a developer to terminate after prolonged default. Read the agreement and keep a buffer ahead of each date.
Does the plan include DLD fees and service charges?
No. The 4% DLD registration fee, Oqood registration, agency fees and annual service charges are separate unless the developer's promotion says otherwise.