{"id":23270,"date":"2026-09-19T21:18:15","date_gmt":"2026-09-19T20:18:15","guid":{"rendered":"https:\/\/yatirim.uk\/tr\/dubaide-taksitle-ev-almak\/"},"modified":"2026-09-20T10:47:19","modified_gmt":"2026-09-20T09:47:19","slug":"dubaide-taksitle-ev-almak","status":"publish","type":"page","link":"https:\/\/yatirim.uk\/en\/dubaide-taksitle-ev-almak\/","title":{"rendered":"Can You Buy Property in Dubai in Instalments? How Payment Plans Work"},"content":{"rendered":"
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Can You Buy Property in Dubai in Instalments? How Payment Plans Work<\/h1>\n

Yes. Almost all off-plan homes in Dubai are sold on the developer\u2019s own payment plan, in interest-free instalments.<\/strong> Usually 10% to 20% of the price is paid on reservation, part of the rest during construction and the balance on handover. In some projects instalments continue for two to five years after handover. No bank loan is needed and developers usually do not ask for proof of income. Payments go into the project\u2019s escrow account registered with the Dubai Land Department (DLD).<\/p>\n\n

Types of payment plan<\/h2>\n
Plan<\/th>How it works<\/th>Who it suits<\/th><\/tr><\/thead>
Construction-linked plan<\/strong> (such as 60\/40 or 70\/30)<\/td>10% to 20% on reservation, instalments as construction progresses, the balance on handover. The first figure is the share paid before handover, the second the share paid on handover<\/td>Buyers who can settle the balance on handover in cash or with a mortgage<\/td><\/tr>
Post-handover plan<\/strong> (post-handover)<\/td>Part of the price is spread over the period after handover, usually two to five years; the flat can be let during this time<\/td>Investors who want to pay part of the instalments from rental income<\/td><\/tr>
1% monthly plan<\/strong><\/td>After reservation, 1% of the price is paid every month; the term varies by project<\/td>Buyers who want to split payments into regular monthly amounts<\/td><\/tr>
Instalments on ready homes<\/strong><\/td>Rare; some developers offer short plans on completed stock<\/td>Buyers who want rental income straight away<\/td><\/tr><\/tbody><\/table><\/div>\n

Plan structures vary from project to project. In our portfolio, for example, Hillcrest by Binghatti<\/a> is on sale with a 70\/30 plan and Skyblade by Binghatti<\/a> with a 10% deposit.<\/p>\n\n

Example: an AED 1,000,000 flat on a 60\/40 plan<\/h2>\n

The schedule below is an indicative example of a typical construction-linked plan; the actual instalment dates and percentages are set out in the project\u2019s sale agreement.<\/p>\n

When<\/th>Payment<\/th>Amount<\/th><\/tr><\/thead>
Reservation<\/td>10% of the price<\/td>AED 100,000<\/td><\/tr>
Reservation<\/td>DLD registration fee (4%)<\/td>AED 40,000<\/td><\/tr>
During construction<\/td>50% of the price, in instalments linked to construction milestones<\/td>AED 500,000<\/td><\/tr>
Handover<\/td>40% of the price<\/td>AED 400,000<\/td><\/tr>
Total<\/strong><\/td>Price and DLD fee<\/strong><\/td>AED 1,040,000<\/strong><\/td><\/tr><\/tbody><\/table><\/div>\n

The amount paid on reservation is not just the deposit: the DLD\u2019s 4% registration fee and small admin charges are also due at this stage. For an itemised list of costs see our Cost of buying a home in Dubai<\/a> , and for your own figure use our Dubai purchase cost calculator<\/a> .<\/p>\n\n

How the balance on handover is paid<\/h2>\n