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Payment plan calculator

Turn a plan like 60/40 into dated instalments: what you pay on day one, during construction, at handover and after. Start from a common shape or a real developer's schedule.

  • Real plans from verified projects
  • Fees included in day-one cash
  • Share your plan with a link
Property priceAED
Plan shapeBefore / at handover
Or a real developer planVerified 28 Sep 2026 – 9 Nov 2026
SplitEdit any share

Before handover 60% · on handover 40%

DatesMonth and year
Day oneAED 327,70010% booking + fees
ConstructionAED 1,000,00011 instalments
HandoverAED 800,000Dec 2029
After handoverAED 0None in this plan

Cash paid over time

Cumulative, AED
0500K1M1.5M2M202720282029Handover

At handover

Cash vs mortgage
Paid before the keys, with feesAED 1,327,700
A 50% off-plan loan could coverAED 800,000
Cash still needed at handoverAED 0

Day-one fees: AED 127,700 (4% registration, 2% commission, trustee and admin). Off-plan lending is usually capped near 50% of value and funds at handover. Confirm with your bank.

Instalment schedule

DateInstalmentShareAmountPaid so far
Dec 2026On booking10%AED 200,000AED 200,000
Mar 2027Construction 1 of 114.55%AED 90,909AED 290,909
Jun 2027Construction 2 of 114.55%AED 90,909AED 381,818
Sep 2027Construction 3 of 114.55%AED 90,909AED 472,727
Dec 2027Construction 4 of 114.55%AED 90,909AED 563,636
Mar 2028Construction 5 of 114.55%AED 90,909AED 654,545
Jun 2028Construction 6 of 114.55%AED 90,909AED 745,455
Sep 2028Construction 7 of 114.55%AED 90,909AED 836,364
Dec 2028Construction 8 of 114.55%AED 90,909AED 927,273
Mar 2029Construction 9 of 114.55%AED 90,909AED 1,018,182
Jun 2029Construction 10 of 114.55%AED 90,909AED 1,109,091
Sep 2029Construction 11 of 114.55%AED 90,909AED 1,200,000
Dec 2029On handover40%AED 800,000AED 2,000,000
Total price100%AED 2,000,000

Construction instalments are spread evenly between booking and handover. Real schedules often use fixed dates or construction stages, so check the developer's milestone schedule before you sign.

Find projects with a plan like this Read: payment plans, decoded
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How the numbers are worked out.

Day one

price × booking% plus 4% registration in Dubai, about AED 4,200 trustee fee, about AED 3,500 administration and, unless you buy direct, 2% commission.

Construction

price × construction% ÷ instalments, one every three or six months from booking until the month before handover.

Handover

100% − booking − construction − after handover. A loan covers up to 50% × price; the rest is cash.

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Questions about the calculator.

Where do the real plans come from?

From each developer's published payment schedule, verified between 28 September 2026 and 9 November 2026. Choosing one also loads that project's entry price and handover date.

How are construction instalments spread?

Evenly, every three or six months from booking until handover. Real schedules often use fixed dates or construction stages, so check the developer's milestone schedule.

What is included in day-one cash?

The booking deposit, the 4% Land Department registration fee on a Dubai purchase, a trustee fee of about AED 4,200, developer administration of about AED 3,500 and, unless you buy direct from the developer, a 2% agency commission.

Does the mortgage cover post-handover instalments?

No. Post-handover instalments are developer credit written into your contract, so the calculator applies a loan only to the handover balance.