How do off-plan property payment plans work in Dubai?

Last updated: May 2026

Dubai Practical Editorial Team· Collaborative authorship

Signed by: Sarah Al Qasimi (Lead Editor). Fact-checked by the full editorial team.

Typical structure: 10–25% booking deposit, 5–10% on Sale and Purchase Agreement signing, milestone payments during construction (every 5–20%), and 30–40% at handover. Post-handover payment plans (paying 30–50% after completion over 2–5 years) are increasingly common. Funds must be deposited in an RERA-regulated escrow account.

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Related Questions

Are my off-plan funds protected in Dubai?

Yes — Federal Law 8 of 2007 mandates that all off-plan funds be held in RERA-regulated escrow accounts. Developers can only access funds for construction milestones verified by RERA-appointed inspectors. This protects buyers if a developer faces financial difficulties. Always verify the escrow account number via DLD's official portal before transferring money.

Can I sell an off-plan property before it is completed?

Yes — a 'sub-sale' or 'resale of off-plan' is permitted with the developer's NOC. You pay 4% DLD fee on the resale price. The developer may charge an NOC fee of AED 5,000–10,000. The original payment plan obligations transfer to the buyer. A specialised off-plan resale agent is recommended as the process differs from ready property.

How do off-plan property payment plans work in Dubai?

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