Guide · Payment plans
Post-handover payment plans in Dubai: how they work
A post-handover payment plan spreads part of the price over months after you receive the keys, instead of finishing at handover. Of the 172 projects we list, 10 offer one: 3 still selling and 7 already built, where the developer takes instalments after you move in. This page says what the four parts of a plan mean, what to weigh, and lists them with their split. It is a selection, not every plan on the market.
The four parts of a plan
- Down payment
- Paid when you sign: the share of the price the developer takes before anything else.
- During construction
- Instalments while the building goes up, tied to construction milestones or to dates. The project page lists the milestones where the developer publishes them.
- On handover
- Paid when the keys are handed over. On some plans it is a small share, on others most of the price.
- After handover
- The part paid after you have the keys, in instalments over a stated number of months. This is what makes a plan post-handover. How long it runs, and what applies until the last instalment is paid, are in the sales agreement; read that part before signing.
What to weigh
- 1
It is the same price, paid later. A plan defers payment; it does not lower the price, and a project that defers more may be priced for it. Compare the asking price per sqft with what buyers paid in the area, which every project page does from the register's own sales.
- 2
Handover dates move. A post-handover plan counts from the keys, so a later handover moves the whole tail with it. The project page names the developer's date and, where the register holds one, the construction figure.
- 3
A ready home can carry one too. Some developers take instalments after the keys on a building that is already finished: a payment arrangement on a ready home rather than an off-plan purchase. Those are listed separately below.
- 4
Check the project on the register before paying anything: the project number and the escrow account, as each emirate's register guide explains.
The projects we list with a share after handover
The split is the developer’s published plan as we hold it: down payment, during construction and on handover, then the share after the keys. The project page carries the milestones and the months where the developer publishes them. A selection, not the market.
Dubai
On sale 3
| Project | Plan | After handover | Handover |
|---|---|---|---|
| West Bay TowerOrion Real Estate Development · Business Bay | 10 / 30 / 10, then 50% after handover | 50% | 2026 |
| Raw District 2 by ImtiazImtiaz Developments · Jebel Ali | 20 / 35 / 5, then 40% after handover | 40% | 2029 |
| BAYZ 101 by DanubeDanube Properties · Business Bay | 10 / 63 / 1, then 26% after handover | 26% | 2028 |
Already built: instalments after the keys on a ready home 7
| Project | Plan | After handover | Handover |
|---|---|---|---|
| Upside Business BaySRG Holding · Business Bay | 25 / 0 / 0, then 75% after handover | 75% | Ready |
| AG TowerArabian Gulf Properties · Business Bay | 10 / 10 / 10, then 70% after handover | 70% | Ready |
| J One TowerRKM Durar Group · Business Bay | 30 / 0 / 0, then 70% after handover | 70% | Ready |
| SLS Dubai ResidencesWorld of Wonders Real Estate Development · Downtown Dubai | 0 / 0 / 30, then 70% after handover | 70% | Ready |
| Regalia TowerDeyaar · Business Bay | 10 / 38 / 12, then 40% after handover | 40% | Ready |
| Urban OasisDar Al Arkan · Business Bay | 10 / 20 / 30, then 40% after handover | 40% | Ready |
| Society House at Downtown DubaiInvest Group Overseas · Downtown Dubai | 20 / 40 / 10, then 30% after handover | 30% | Ready |
Before paying, check the project on the DLD register: how to read the DLD register.
These projects on the mapIn the project listWhat off-plan property is
Questions about post-handover plans
- What is a post-handover payment plan?
- A payment plan in which part of the price is paid after you receive the keys, in instalments over a stated number of months, rather than the whole balance falling due at handover. A plan has up to four parts: a down payment, instalments during construction, a share on handover and the share after it. Of the 172 projects we list, 10 carry a share after handover.
- Which off-plan projects in Dubai offer a post-handover payment plan?
- Among the projects we list on sale in Dubai, West Bay Tower (50% after handover), Raw District 2 by Imtiaz (40% after handover) and BAYZ 101 by Danube (26% after handover). The table above carries every one we hold with its full split; it is a selection, not the market.
- Is a post-handover payment plan cheaper?
- No. It spreads the same price over a longer period; whether the price itself is competitive is a separate question. Every project page compares the asking price per sqft with the median buyers paid in the same area, from the register's own sales, so a generous plan can be weighed against the price it comes with.
- Can a ready home have a post-handover payment plan?
- Yes. 7 of the finished buildings we list take instalments after the keys, which is a payment arrangement on a ready home rather than an off-plan purchase: there is no construction to wait for, and you can see the home before you sign. They are listed separately above.