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75/25 payment plan

You pay 75% in instalments while the project is under construction and the remaining 25% on handover. Developers set the instalment dates and the booking amount per project — the project page carries the schedule we hold.

75%
25%

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. 75%During construction 1,125,000
  2. 25%On handover 375,000

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.

39 projects currently offer this plan

Samana Ocean Pearl
Developer DealOn Sale
Samana Developers

Samana Ocean Pearl

Samana Developers

Dubai Islands, 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

1,800,000

Handover

Q1 2028

Payment Plan

75/25

Down Payment

20%

View
Developer DealOn Sale
Samana

Samana Skyros

Samana

Al Barsha, Dubai, UAE

Special Discount: 5%An explicit additional 5% discount is advertised for Samana Skyros, creating a further price incentive for the listed units.

From

877,765

Handover

Q2 2027

Payment Plan

75/25

Down Payment

15%

View
On Sale
DAMAC Properties

Damac Islands 2 - Bahamas 1

DAMAC Properties

DAMAC Islands 2, Dubai, UAE

From

4,073,000

Handover

Q2 2030

Payment Plan

75/25

Down Payment

20%

View
On Sale
DAMAC Properties

Bora Bora at Damac Islands

DAMAC Properties

DAMAC Islands 2, Dubai, UAE

From

2,746,000

Handover

Q2 2030

Payment Plan

75/25

Down Payment

20%

View
On Sale
DAMAC Properties

CUBA at DAMAC Islands 2

DAMAC Properties

DAMAC Islands 2, Dubai, UAE

From

2,746,000

Handover

Q2 2030

Payment Plan

75/25

Down Payment

20%

View
On Sale
DAMAC Properties

Bermuda at DAMAC Islands 2

DAMAC Properties

DAMAC Islands 2, Dubai, UAE

From

2,746,000

Handover

Q2 2030

Payment Plan

75/25

Down Payment

20%

View
On Sale
DAMAC Properties

Maui at Damac Islands 2

DAMAC Properties

DAMAC Islands 2, Dubai, UAE

From

2,824,000

Handover

Q2 2030

Payment Plan

75/25

Down Payment

20%

View
DAMAC Properties

Tahiti at DAMAC Islands 2

DAMAC Properties

DAMAC Islands 2, Dubai, UAE

From

2,746,000

Handover

Q2 2030

Payment Plan

75/25

Down Payment

20%

View
On Sale
DAMAC Properties

Bahamas at Damac Islands 2

DAMAC Properties

DAMAC Islands 2, Dubai, UAE

From

2,746,000

Handover

Q2 2030

Payment Plan

75/25

Down Payment

20%

View
On Sale
Meraas

The Edit at D3

Meraas

The Edit at D3, Dubai Design District (D3), Dubai, UAE

From

2,000,000

Handover

Q2 2030

Payment Plan

75/25

Down Payment

20%

View
Meraas

City Walk Crestlane 4

Meraas

Al Wasl, Dubai, UAE

From

2,670,000

Handover

Q2 2030

Payment Plan

75/25

Down Payment

20%

View
DAMAC Properties

DAMAC Islands 2

DAMAC Properties

DAMAC Islands 2, Dubai, UAE

From

2,746,000

Handover

Q1 2030

Payment Plan

75/25

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.