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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 Deal
Aqua

The Central Downtown

Aqua

Al Barsha, Dubai, UAE

Special Discount: AED 50,000 BonusAn explicit AED 50,000 sales bonus is advertised for a 3-bedroom sale.
Special Discount: AED 50,000Cash bonus offer for 3-bedroom units.
Special Discount: AED 40,000 BonusAn explicit AED 40,000 sales bonus is advertised for a 2-bedroom sale.

+5 more

From

943,272

Handover

Q4 2028

Payment Plan

50/50

Down Payment

10%

View
Developer Deal
Azizi

Azizi Sakandar

Azizi

Al Furjan, Dubai, UAE

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

From

1,054,000

Handover

Q2 2027

Payment Plan

50/50

Down Payment

10%

View
Developer DealOn Sale
Tarrad Development

Celesto 4

Tarrad Development

Cove Boulevard by Imtiaz, Dubai Land Residence Complex (DLRC), Dubai, UAE

Special Discount: AED 34,658The advertised price is AED 34,658 below the original price for a 601 SQFT one-bedroom unit. This is a fixed purchase-price saving relevant to buyers comparing entry pricing.
Special Discount: 10%An explicit 10% purchase-price discount reduces the stated OP price from AED 3,576,019 to AED 3,218,417, creating a direct price incentive for buyers.
Special Discount: 5%An explicit discount starting from 5% is offered for the Celesto 4 retail unit, with the final special deal dependent on the buyer’s payment structure.

From

540,000

Handover

Q4 2028

Payment Plan

50/50

Down Payment

20%

View
Developer Deal
Tarrad Development

Celesto Tower

Tarrad Development

Celesto Tower, Dubai Land Residence Complex (DLRC), Dubai, UAE

Special Discount: 30%30% discount for full cash purchase of a fully fitted retail unit.
Special Discount: 20%20% discount on the 50/50 payment plan for a fully fitted retail unit.
Special Discount: 10%10% discount on the Standard Payment Plan for a fully fitted retail unit.

From

1,211,536

Handover

Q2 2028

Payment Plan

50/50

Down Payment

20%

View
Developer DealOn Sale
Beyond Developments

Kanyon by Beyond

Beyond Developments

Bur Dubai, Dubai, UAE

Special Discount: 2%Official BEYOND programme for eligible first-time home buyers purchasing directly from BEYOND. The page advertises 2% off 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.

From

3,745,000

Handover

Q2 2029

Payment Plan

50/50

Down Payment

10%

View
Developer DealPresale / EOI
Imtiaz Developments

KORE BY IMTIAZ

Imtiaz Developments

Dubailand, Dubai, UAE

Special Discount: 5%Current Imtiaz campaign reported across all Imtiaz Developments projects: 35/65 payment plan and 5% discount on the purchase price, applying from 6:00 PM UAE time on 21 September 2026 with no announced end date. DLD transfer fee and registration costs are separate. The campaign is portfolio-wide and therefore may apply to KORE subject to unit availability and developer confirmation.
Post HandoverThe source explicitly defers 40% of the purchase price to the three years after handover, which is commercially relevant for buyer cash-flow planning.

From

0

Handover

Q4 2028

Payment Plan

50/50

Down Payment

50%

View
Developer DealOn Sale

Listone Residence

Lionstone Development

International City, Dubai, UAE

Post HandoverExplicit post-handover payment option for studio units, with 50% due over two years after handover.

From

605,888

Handover

Q4 2027

Payment Plan

50/50

Down Payment

10%

View
Developer Deal
ONE YARD

Oak Yard

ONE YARD

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

Special Discount: 15%A source-explicit 15% purchase discount is advertised for full-payment 2BR apartments at Oak Yard, creating a material price incentive for buyers. The source also states that handover is in Q1 2027.
Special Discount: 10%A 10% purchase discount is offered for full-payment deals, creating a direct price incentive for cash buyers.
Special Discount: 8%An explicit 8% partner commission is offered with payment within 72 hours after SPA, creating a material broker incentive.

+1 more

From

1,169,795

Handover

Q1 2027

Payment Plan

50/50

Down Payment

20%

View
Developer Deal
Azizi

Raffi

Azizi

Al Furjan, Dubai, UAE

Special Discount: 14%A 14% purchase discount is advertised for Raffi.

From

824,000

Handover

Q1 2028

Payment Plan

50/50

Down Payment

20%

View
Developer Deal
DAMAC Properties

Riverside Views

DAMAC Properties
DLD Waiver: 4%Explicit 4% DLD waiver for Riverside Views.
Special Discount: AED 100,000Special price reduced from AED 1.8M to AED 1.7M for Riverside Views.

From

1,309,000

Handover

Q4 2028

Payment Plan

50/50

Down Payment

10%

View
Developer Deal
ALAIN

Rove Home – Meydan Horizon

ALAIN

Meydan, Dubai, UAE

DLD Waiver: 4%The artwork explicitly advertises a 4% Dubai Land Department waiver, reducing the stated registration-related cost.
Special Discount: 20%The artwork explicitly advertises units at 20% lower than market price, indicating a material price discount for the named project.

From

1,617,777

Handover

Q1 2029

Payment Plan

50/50

Down Payment

20%

View
Developer DealOn Sale
Imtiaz

Sea Cliff

Imtiaz

Dubai Islands, Dubai, UAE

Special Discount: 5%A 5% discount is explicitly listed for Sea Cliff together with a 30/70 payment plan.

From

1,995,000

Handover

Q1 2028

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.