Off-plan
AED 1.15Mfrom
Handover 2027
Hilton Residences
- Area
- Jumeirah Lake Towers (JLT)
- Plan
- 35/65
- Beds
- Studio · 1, 2, 3, 4 BR
Payment plan
35/65 payment plan: off-plan projects in Dubai
35% is paid between booking and completion and 65% at handover. This plan is back-loaded: a smaller share during construction and the larger part at handover, often with a mortgage on completion.
8 projects in our index publish 35/65 as their headline plan, from 4 developers across 3 areas, with starting prices from AED 1.15M – AED 12M and handovers between 2027 and 2028. 8 of them publish the full instalment table, where a 35% booking payment is the most common first step.
What it means for you
How the money flows on a 35/65 payment plan
Worked on a AED 1,500,000 unit. Your project's exact milestones are on its page; the proportions are what the plan fixes.
Step 1
At booking
20% · AED 300K
Paid on reservation, with the sales agreement. The 4% DLD registration fee is due on top, when the Oqood is registered.
Step 2
During construction
15% · AED 225K
Instalments tied to construction milestones or fixed dates, usually every few months until completion.
Step 3
At handover
65% · AED 975K
The largest single payment. Many buyers finance it with a mortgage drawn at completion, subject to the bank's valuation.
Who it suits
Back-loaded plans suit end-users who need their current home's equity or a mortgage to fund the bulk of the price, and investors who want to commit as little capital as possible until the unit is real. Expect to pay slightly more per square foot for this flexibility.
What to watch
With 65% due at or after completion, the plan only works if your financing is confirmed in advance. Ask whether any of the handover share is spread post-handover, and whether a resale before handover requires a minimum percentage paid.
Projects
Projects on a 35/65 payment plan
Cheapest published starting price first. Projects without a published price are listed last.
- Off-plan
AED 1.58Mfrom
Handover 2028
- Off-plan
AED 2.3Mfrom
Handover 2027
- Off-plan
AED 2.7Mfrom
Handover 2028
- Off-plan
AED 3.6Mfrom
Handover 2027
- Off-plan
AED 3.9Mfrom
Handover 2028
- Off-plan
AED 5.1Mfrom
Handover 2027
- Off-plan
AED 12Mfrom
Handover 2027
FAQ
35/65 plans: buyer questions
Is a 35/65 payment plan negotiable?
The headline split rarely moves, but the booking deposit, the spacing of construction instalments and the handover tranche often do, especially on larger units or when a developer is closing a phase. Ask before you pay the reservation fee, not after.
Does a 35/65 payment plan include DLD fees and service charges?
No. The 4% Dubai Land Department registration fee, the Oqood fee and any admin charges are paid separately, usually within the first weeks. Service charges start at handover and are set per square foot by the building's approved budget.
Can I take a mortgage for the 65% handover payment?
Yes, that is the usual route. UAE banks lend against completed property subject to their own valuation and the buyer's profile; residents can typically borrow up to 80% and non-residents up to around 50% of the lower of price and valuation. Arrange pre-approval several months before the announced completion date.
How much is the booking deposit on a 35/65 payment plan?
Across the projects that publish their schedule, 35% is the most common first payment. It is part of the price, not an extra fee, and it is usually paid with the reservation form before the sales agreement is signed.
Talk to an expert
Want a 35/65 payment plan on a specific unit?
Tell us the budget and the area and we send the projects that match, with the dated instalment table for each so you can compare the real cash flow, not the headline split.