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50/50 payment plan

You pay 50% in instalments while the project is under construction and the remaining 50% on handover. Developers set the instalment dates and the booking amount per project — the project page carries the schedule we hold.

50%
50%

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

  1. 50%During construction 750,000
  2. 50%On handover 750,000

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.

376 projects currently offer this plan

Developer DealOn Sale
Iman Developers

113 Residences

Iman Developers

Al Sufouh 1, Al Sufouh, Dubai, UAE

Special Discount: AED 100,000A cash bonus of up to AED 100,000 is explicitly advertised as a sales incentive.
Special Discount: AED 100,000 BonusAn explicit AED 100,000 agency bonus is available when 5 units are closed, creating a higher-tier broker incentive.
Special Discount: AED 50,000 BonusAn explicit AED 50,000 agency bonus is available when 3 units are closed, providing a direct broker sales incentive.

+2 more

From

1,800,000

Handover

Q2 2029

Payment Plan

50/50

Down Payment

20%

View
Developer DealOn Sale
Wadan Developments

Tresora by Wadan

Wadan Developments

Hyati Avenue, JVC District 14, Jumeirah Village Circle (JVC), Dubai, UAE

Special Discount: 15%Tresora inventory in JVC has an explicit 15% purchase-price discount when paid 100% upfront.

From

670,000

Handover

Q1 2028

Payment Plan

50/50

Down Payment

20%

View
Developer Deal
Samana Developers

Samana Business Park 2

Samana Developers

Majan, 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

10,600,000

Handover

—

Payment Plan

50/50

Down Payment

15%

View
Developer Deal
Tarrad Development

Celesto 3

Tarrad Development

Manchester Grand Hotel

Post HandoverHalf of the property price, AED 299,000, is explicitly scheduled for payment upon key handover in Q3 2028.

From

550,000

Handover

Q3 2028

Payment Plan

50/50

Down Payment

20%

View
Developer DealOn Sale
Beyond

Soulever Towers

Beyond

Anwa by Omniyat, Dubai Maritime City, Dubai, UAE

Special Discount: 2%Current BEYOND first-time-home-buyer offer for eligible direct customers, with a 2% property-price discount on off-plan units, one year of free service charges, one-day early access before official sales launches, and a 50% during construction / 50% on handover payment structure. A DLD first-time-home-buyer QR code or certificate is required; terms apply.

From

2,530,000

Handover

Q3 2028

Payment Plan

50/50

Down Payment

—

View
Developer DealOn Sale
Leos Development

Knightsbridge

Leos Development

Mohammed Bin Rashid City (MBR City), Dubai, UAE

Post HandoverThe artwork explicitly indicates that 40% of the purchase price is payable after handover over a two-year period.

From

7,940,000

Handover

Q3 2027

Payment Plan

50/50

Down Payment

10%

View
Developer DealOn Sale

Capital One JVC

Centurion Development

Capital One, JVC District 11, Jumeirah Village Circle (JVC), Dubai, UAE

Special Discount: 6%A 6% agency commission incentive is advertised for Capital One - JVC.
Special Discount: 4%A 4% purchase discount in lieu of DLD is advertised for Capital One - JVC.

From

4,113,888

Handover

Q3 2028

Payment Plan

50/50

Down Payment

0%

View
Developer Deal
Beyond

Talea

Beyond

Anwa by Omniyat, Dubai Maritime City, Dubai, UAE

Special Discount: 2%For eligible first-time home buyers purchasing directly from BEYOND: 2% off off-plan property prices, one year of free service charges, and a 50/50 payment plan with 50% during construction and 50% on handover. A first-time-home-buyer QR code/certificate is required. The developer page also states one-day early access before official sales launches and direct customers only. No expiry date is published.

From

3,830,000

Handover

Q2 2028

Payment Plan

50/50

Down Payment

10%

View
Developer DealOn Sale

Burj Capital

Royal Centurion Real Estate Development LLC

Burj Capital, Business Bay, Dubai, UAE

Special Discount: 6%A 6% agency commission incentive is advertised for Burj Capital offices.
Special Discount: 4%A 4% purchase discount in lieu of DLD is advertised for Burj Capital offices.

From

2,580,000

Handover

Q3 2028

Payment Plan

50/50

Down Payment

—

View
Developer Deal
Azizi

Azizi Ruby

Azizi

Hyati Avenue, JVC District 14, Jumeirah Village Circle (JVC), Dubai, UAE

Special Discount: 4%A 4% purchase discount is advertised for Ruby.

From

1,114,000

Handover

Q1 2028

Payment Plan

50/50

Down Payment

10%

View
Developer Deal
One Development

Laguna Residence

One Development

City of Arabia, Dubai, UAE

Special Discount: 50%A limited 50% down-payment cashback offer is stated for the next eligible unit, creating a material purchase incentive. The source does not clarify whether the percentage applies to the full purchase price or the down payment amount.

From

825,000

Handover

Q4 2027

Payment Plan

50/50

Down Payment

20%

View
Developer Deal
IGO

Pelagos by IGO

IGO

Dubai Marina, Dubai, UAE

DLD Waiver: 4%The artwork explicitly states a DLD waiver for Pelagos by IGO Dubai Marina.

From

1,130,000

Handover

Q1 2026

Payment Plan

50/50

Down Payment

20%

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.