Dubai Off-Plan Payment Plan Calculator

Usually that 60% of the price is paid before handover (booking plus construction instalments) and 40% at handover. On a AED 2,000,000 property that is AED 1,200,000 before handover and AED 800,000 at handover. Some developers write the handover share first, so always check the schedule in your sale and purchase agreement.

Every property payment dated before handover, plus any registration and admin costs you pay in that period. In our 60/40 example that is AED 1,200,000 of property payments and AED 40,020 of DLD fees: AED 1,240,020 in total, with AED 240,020 of it at signing.

In most listings, 80% of the price is paid during construction, including the booking amount, and 20% at handover. The label alone does not tell you how many instalments there are or when they fall, so enter the developer's actual schedule.

A plan where part of the price is paid after you receive the keys, in instalments to the developer. In our post-handover example, AED 300,000 is paid in 20 monthly instalments, the last on 1 Jul 2030. The number, timing and any extra cost of those instalments are set by your contract; there is no official maximum term.

A plan where you pay 1% of the price every month for a set number of months, usually after a booking amount and with a balance at handover or afterwards. Developers structure these differently, so the calculator treats 1% monthly as an editable template: set the booking, the number of months and the balance so the plan adds up to 100%.

No. The Dubai Land Department fee for registering the sale is 4% of the price, charged on top of it. The calculator keeps it outside the payment plan, so your instalments still add up to exactly 100% of the price.

The developer registers the sale in the interim register through the Oqood portal, within 90 days of the contract being signed, and the registration fee is paid at that stage. When the developer collects your share from you depends on its process, so the calculator lets you set the date. By law the fee is shared equally between seller and buyer unless agreed otherwise.

Oqood is the Dubai Land Department's system for registering off-plan sales in the Interim Real Property Register. Under Law No. 13 of 2008, a sale of an off-plan unit must be entered in that register; a sale that is not entered is void. The developer submits the registration, and the buyer receives a provisional registration certificate.

Under Law No. 8 of 2007, payments made by buyers of off-plan units in a registered project are deposited in that project's escrow account, held with a bank or financial institution accredited by the Dubai Land Department and dedicated to building that project. Check that the account details in your contract match the project.

Many buyers plan to finance the handover balance with a mortgage, but approval depends on the lender, your income and the property. This calculator does not assume a mortgage; use the Dubai Mortgage & Affordability Calculator to see how much you could borrow.

Handover dates in off-plan contracts are estimates, and delays happen. What a delay means for your payments or any compensation depends on your contract and the law, which this calculator does not assess. Change the expected handover date to see how a later date moves your schedule.

Dubai Land Department has a formal process for a developer whose buyer has not paid instalments: a warning, a notice period, and then a possible termination of the provisional registration under Law No. 13 of 2008. The consequences depend on the law and your contract, so take advice if you expect to miss a payment. The calculator does not model penalties or refunds.