🧮 Off-Plan Payment Plan Calculator
Illustrative only — actual milestone dates, installment counts, and percentages are set by each developer's specific SPA. Always confirm the exact schedule before booking.
What Each Plan Actually Means
60/40 & 70/30 (Milestone-Based)
You pay a booking deposit, then further installments tied to construction milestones, with the remaining 30-40% due at handover. These currently dominate the market — the disciplined middle ground between front-loaded and back-loaded structures.
80/20 (Front-Loaded)
You pay more during construction (60%+) and less at handover. Developers sometimes discount the headline price for front-loaded plans since they get your capital sooner.
1% Monthly
A 20% booking deposit followed by monthly installments of 1% of the price for 48-80 months. Popular for its predictability and lower entry cost, but total months of 1% payments plus the remaining balance need checking against the actual SPA. See our dedicated 1% monthly payment plan guide for the full breakdown.
Post-Handover
A portion of the price (commonly 30-40%) is paid after you already own and can rent out the unit, over terms now stretching up to 5 years. Reduces upfront cash need, but usually comes at a slightly higher headline price.
💡 What to Actually Compare
Don't just compare the headline plan structure — compare the total price across developers offering different plans for a similar unit. A "better" payment plan (more post-handover, lower monthly burden) sometimes comes with a higher total price that offsets the cash-flow benefit. Always ask what the same unit would cost on a straight 60/40 cash-heavier plan before deciding a flexible plan is the better deal.
For the full breakdown of fees on top of the payment plan itself — DLD registration, NOC, and other off-plan closing costs — see our total cost of buying off-plan guide. And if you're ready to walk through the full purchase process step by step, our interactive buying journey timeline covers the off-plan path in detail.
Frequently Asked Questions
What is the most common off-plan payment plan in Dubai?
40/60 and 30/70 structures currently dominate, often paired with post-handover terms extending up to 5 years.
How does a 1% monthly payment plan work?
Typically a 20% booking deposit, then monthly installments of 1% of the purchase price for 48-80 months, with the balance due at or after handover.
Is a post-handover payment plan better?
It reduces upfront cash needed and can work well if rental income covers the ongoing installments, but often comes at a slightly higher headline price.
Compare Real Payment Plans
Talk to a Dahabi Homes consultant to compare actual, current payment plans across developers for the unit type and area you're considering.