Payment Plans in Dubai 2025

A Comprehensive Guide to Property Payment Plans in Dubai 2025: How to Own Your Dream Home

Dubai’s real estate market is famous for its flexibility and accessibility, offering a range of property payment plans designed to fit various budgets and investment goals. Whether you’re a first-time homebuyer or an investor, these installment options make it easier than ever to finance your dream home with manageable down payments and tailored payment schedules. 

Here’s a comprehensive guide to Property Payment Plans in Dubai

Introduction to Dubai's Installment Plans 2025

• Before anything, you need to know what an Installment plan is.
• It’s a payment type where buyers buy Properties by paying a percentage of the price as a downpayment and the remaining will be paid in monthly scheduled payments.
• For Example, if an investor is buying an apartment, they need to pay a down payment, then remaining in installments and final payment.

Off-Plan Properties and Installments: How It Works

In Dubai, installment plans are typically available for off-plan properties from the developer.

A mortgage or loan from the Bank can finance ready and second-market properties.

• After selecting an off-plan property,  you need to negotiate the price with the developer including the down payment and installment plan.
• It would be better to hire a Real Estate agent to assist in receiving your desired payment plan.
• After succeeding in the negotiation, you should pay the down payment after signing the sale agreement contract. 

Types of Installment Plans: Until Handover vs. Post-Handover

There are two types of Installments Plans:

• Post-Handover:

It’s a payment plan where the buyer will continue paying monthly installments after the property is handed over. So here’s how it works:

• The Down payment is around 10-30%.
• During construction, monthly payment is about 40-60% of property value.
• On handover day, you pay nothing.
•  Instead, the remaining 20-30% will be paid in monthly installments over 2-3 years after the handover.

Post-handover is a favorite among homebuyers with small budgets looking for a new home in Dubai.

• Until Handover:

It’s a payment method where the investor will agree to buy properties in installments, however, the full amount should be paid on or before the property delivery date.

The Plan will include:

• Down Payment: This can vary from 5-50% of the property value
• During Construction Monthly Payment is between 1-70%.
• Handover payment: Final Payment on delivery day is around 10- 60%.

For example, Let’s say the project has a 70/30 plan.

• The first number, 70, is the percentage you must pay during construction. 
• This includes a 20% down payment
• The remaining 50% is paid in installments during construction.
• The second number, 30, is the percentage you must pay on handover day.

Understanding the 'Until Handover' Payment Plan:

Let’s discover the various Property Payment Plans in Dubai:

90/10: The most popular Plan used in the Dubai Real Estate Market, loved by first-time buyers.

•  The down payment is 10% 
• During construction 80% by 1% monthly payments.
• On handover the final 10%.

60/40: Suitable for individuals seeking short-term investment, investors will sell the property during construction or on delivery day.

•  The down payment is 20% 
• During construction 40%
• On handover the final 40%

75/25: Attractive 5% down payment, used by developers to attract investors to new communities.  

•  The down payment is 5%
• During construction 70%
• On handover the final 25%

40/60: Frequently used when buying ultra-luxury properties, villas, townhouses, and penthouses.

•  The down payment is 20%
• During construction 20%
• On handover the final 60%

80/20: Loved by Emaar and Damac Properties, most of their projects are offered with 80/20 Plan.

•  The down payment is 20%
• During construction 60%
• On handover the final 20%

50/50: Not a common option, small developers offer it.

•  The down payment is 10%
• During construction 40%
• On handover the final 50%

Which plan suits your investment goals? Did you think about which plan to use?

1% Monthly Payment Plan: It’s a payment plan set to be paid during construction with only 1%. 

• The 1% is from the amount promised to be paid during construction.
• It can be used in any Installment plan, famously used in 90/10.
• Suitable for investors and buyers with small budgets

Popular 'Until Handover' Plans: Recommendations

Looking for offers and options with an excellent payment plan, check this list:

• Project with 90/10 Plan:

Greenway by Emaar, the project is located at Emaar South, the new addition to the Dubai Real Estate Market.

Greenway offers 3 and 4-bedroom townhouses with excellent services including an 18-hole Championship Golf Course. Talk about great activities. The downpayment is only 10% and the monthly payments are 1%.

• Project with 80/20 Plan:

Palm Jebel Ali Villas by Nakheel Properties. Outstanding Waterfront Villas located on Palm Jebel Ali with out-of-this-world amenities and breathtaking views. You can choose between buying a luxurious Villa or a Triplex with 7 bedrooms. 

• Project with 60/40 Plan:

Solis by Sobha, a family-friendly residential project located at Motor City. The stunning project with amenities created for kids, such as a Rock Climbing Wall, Parkour Park, Indoor gym, Outdoor cinema, Kids Pool, and Kids' Play area.

And Solis is offered with only %10 Down Payment. 

Suitable for families and first-time buyers. Luxurious apartments for sale

• Project with 50/50 Plan:

Skyhills 2 Residences by HRE Developer, a new addition to the JVC neighborhood.

The project offers properties with a 10% down payment and a Post-handover plan option.

Good option for individuals seeking properties in JVC with a flexible payment plan.

• Project with 75/25 Plan:

Damac Properties is launching Sun City, a new community of High-End Townhouses located in Dubailand. 

• Project with 40/60 Plan:

Six Senses Residences by Select Group, high-end Apartment at Dubai Marina.

The tower is a collaboration between Select Group and the Six Senses hotel brand, to create a luxury home with state of art amenities, an Infinity pool, a Finnish Sauna, a Games room

Indoor & outdoor cinema and Climate-controlled wine lounge & lockers.

• Project with 70/30 Plan:

Ivory By Binghatti, is a luxury residential project in Dubai's Al Jaddaf district with a 70/30 Payment Plan, including a 50% Down Payment. The project offers Studios, 1+1, and 2+1 Apartments with amazing amenities.

Exploring the 'Post-Handover' Payment Plan

Post-Handover Plans Typically Include:

• Downpayment: Upfront payment around 10-40%
• Construction phase: Paid in installments
• Handover: You Pay Nothing
• Post-handover: Monthly payments over 2-7 years.

Best Properties with Post-Handover Plans

• Tiger Sky by Tiger Properties. The tower is located at Business Bay.

Tiger Sky is planned to be the world's tallest residential building at 532 meters, offering Fully furnished deluxe apartments and penthouses. The project will be delivered in 2029.

The downpayment is 20%, 40% During Construction with 2 years post Handover 

How to Choose the Right Payment Plan for You

Key factors to consider when selecting a payment plan for your Dubai property investment.

Budget: Your budget is a factor in choosing which payment plan to use.

You need to ask yourself how you can pay upfront as a down payment and what is feasible as a monthly payment for you. 

Investment Goals: Knowing your investment goals can help you rule out any plan that doesn’t match your goals.

For long-term investment, we recommend 90/10 and 80/20 Payment plans.

For short-term investment, we recommend 60/40. You will have the opportunity to sell the property during construction to make a fast profit. Or wait to sell on handover day.

Final Thoughts: Mastering Dubai’s Property Payment Plans

Understanding and selecting the right payment plan is crucial to making a sound property investment in Dubai.

Whether you choose a flexible post-handover plan or an “Until Handover” option, knowing the details can help you make an informed decision. 

For first-time buyers or seasoned investors, these plans provide the financial flexibility to secure your dream property in one of the world’s most dynamic real estate markets.

Now, Do you know which plan to consider?

Contact us to receive offers of Stunning properties in Dubai with your desired Payment Plan