Post-handover payment plans in Abu Dhabi and Dubai

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. 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. 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. 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. 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.

Questions about post-handover plans