Dubai Off-Plan Payment Plan Calculator 2026
Generate your complete payment schedule for off-plan Dubai property. Compare 30/70, 40/60, 50/50 and EMAAR 1% plans with and without a mortgage at handover.
Off-plan property in Dubai is sold before construction is complete, with buyers paying in installments over the build period. Plans vary but typically split between construction-phase payments and a lump sum at handover.
30/70 Plan: 30% during construction, 70% at handover. 40/60 Plan: 40% during construction, 60% at handover. 50/50 Plan: Equal split. EMAAR 1% Monthly: 20% down, 1%/month for 60 months, 20% at handover.
All Dubai off-plan sales require Oqood registration (0.4% of purchase price). DLD transfer fees (4%) paid at handover. Mortigo arranges off-plan mortgage pre-approval before you commit to purchase.
Common Questions
What is a 30/70 payment plan in Dubai?
30% paid in installments during construction, 70% due at handover. Most buyers use a mortgage to cover most of the 70% handover payment.
Can I get a mortgage for off-plan property?
Yes. Mortgages are arranged at handover. Get pre-approved now so you know your eligibility before committing to a purchase.
What is Oqood registration?
Oqood is Dubai off-plan registration system. Fee is 0.4% of purchase price, paid at SPA signing. Protects buyer rights during construction.
What is the EMAAR 1% plan?
20% down at signing, then 1% of property price per month for 60 months during construction, 20% at handover.
Calculate your payment schedule for UAE off-plan property purchases. Compare cash vs mortgage options at handover.