Dubai Off-Plan Payment Plan Calculator 2026
Break a Dubai off-plan purchase into its instalments — booking amount, construction-linked payments, handover balance, plus DLD and Oqood fees.
| Booking payment | — |
|---|---|
| DLD fee (4%) | — |
| Oqood registration | — |
| Each construction instalment | — |
| Balance at handover | — |
| Total outlay (price + fees) | — |
In short
Dubai off-plan payment plans are typically split into a booking payment (10–20%), construction-linked instalments and a balance at handover, with the 4% DLD fee and an Oqood registration fee usually due at booking. Some developers offer post-handover plans over 1–5 years.
Who this is for: Buyers of Dubai off-plan property breaking a payment plan into booking, construction and handover amounts.
How a Dubai off-plan payment plan is structured
Most off-plan plans in Dubai are expressed as a split like 20/40/40 or 60/40: a booking amount on signing, a series of construction-linked instalments (often tied to completion milestones or fixed dates), and a balance at handover. Some developers offer post-handover plans that stretch the final portion over 1–5 years after you receive the keys.
On top of the price, budget for the DLD fee (4%) — usually due at booking for off-plan — and the Oqood registration, the interim off-plan title registration with the Dubai Land Department. The 4% is a government fee; Oqood/admin charges vary by developer.
Assumptions
- Booking and construction percentages are applied to the price; the remainder is the handover balance.
- Construction instalments are equal amounts; milestone-linked schedules are not modelled.
- DLD fee is 4% of the price; the Oqood fee is the amount you enter.
Worked example
Booking: AED 240,000 · DLD 4%: AED 48,000 · Oqood: AED 3,000 → AED 291,000 due at booking
Construction: AED 480,000 as 8 × AED 60,000
Handover: AED 480,000
Frequently asked questions
Can I get a mortgage on an off-plan property?
Yes, but the Central Bank caps off-plan mortgages at 50% LTV, and most banks only release funds at or near handover — so you typically self-fund the construction instalments.
Is the DLD fee ever waived on off-plan?
Some developers run promotions where they absorb the 4% DLD fee. If offered, treat it as a discount and check whether it's conditional on a specific payment plan.
What is Oqood?
The DLD's interim registration system for off-plan sales — it records your contract before the title deed exists. The fee is separate from the 4% transfer fee.
Is my money protected in an off-plan purchase?
Payments must go into a RERA-registered escrow account tied to the project, released to the developer against construction milestones.
Can I sell an off-plan property before handover?
Usually yes, once a minimum percentage of the price (often 30–40%) has been paid and the developer issues an NOC; the buyer takes over the payment plan.
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