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Payment plan

70/30 payment plan: off-plan projects in Dubai

70% is paid between booking and completion and 30% at handover. This plan is balanced towards construction: you fund the build in milestones and settle the rest when the keys are ready.

101 projects in our index publish 70/30 as their headline plan, from 27 developers across 43 areas, with starting prices from AED 300K – AED 79.98M and handovers between 2023 and 2030. 101 of them publish the full instalment table, where a 70% booking payment is the most common first step.

What it means for you

How the money flows on a 70/30 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.

  1. 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.

  2. Step 2

    During construction

    50% · AED 750K

    Instalments tied to construction milestones or fixed dates, usually every few months until completion.

  3. Step 3

    At handover

    30% · AED 450K

    Settled when the keys are released; a mortgage can cover it if the bank's valuation supports the price.

Who it suits

The most common structure in the market. It suits buyers who can fund construction milestones from income or savings and plan to settle the balance with a mortgage or sale proceeds at completion. It keeps the developer's cash flow healthy, which is why the pricing on these units is usually the benchmark.

What to watch

The 30% handover payment is the cliff: if a mortgage valuation comes in below the contract price, the shortfall is yours. Confirm the developer's completion track record, since a late handover shifts your financing plan without shifting your instalments.

Projects

Projects on a 70/30 payment plan

Cheapest published starting price first. Projects without a published price are listed last.

FAQ

70/30 plans: buyer questions

Is a 70/30 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 70/30 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 30% 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 70/30 payment plan?

Across the projects that publish their schedule, 70% 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 the advisor

Want a 70/30 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.

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