Dubai calculators

Off-plan payment plan.

Model your cashflow across booking, construction, and handover — plus the Oqood registration fee that catches many first-time off-plan buyers off-guard.

Payment plan

Property price

AED

Booking20%

5%40%

Construction50%

20%80%

Handover / post-handover30%

5%70%

100% allocated ✓

Construction period36 M

1260

Construction instalments4

212

Result

Avg monthly commitment

AED

83,333

Across the construction window.

Cashflow schedule

M0M9M18M27M36

Booking (signing)· M 0AED600,000
Construction instalment 1· M 9AED375,000
Construction instalment 2· M 18AED375,000
Construction instalment 3· M 27AED375,000
Construction instalment 4· M 36AED375,000
Handover· M 36AED900,000

Get a full cashflow model with Oqood, service charges, and post-handover scenarios.

Excludes DLD Oqood (4% at booking for off-plan) and service charges post-handover. Post-handover plans (Damac, Azizi) spread 30–50% over 2–5 years.

Answers

Frequently asked.

Standard plans are 10–20% booking, 40–60% construction (3–6 milestones), and 30–50% handover. Developers like Damac and Azizi offer post-handover plans stretching 2–5 years beyond keys — useful for cashflow but usually at higher total cost.
Oqood is the Dubai Land Department's off-plan property registration. Cost: AED 1,050 admin + 4% registration fee (same as ready-property transfer). Paid by the buyer at signing — in addition to the booking amount.
Yes, after paying 30–40% of purchase price (developer-specific). The new buyer assumes the remaining plan. Resales during construction are common for investors capturing developer launch pricing; expect a transfer fee and developer NOC (AED 5,000–10,000).
Dubai off-plan projects averaged 49% on-time delivery recently. Buyers are protected by the RERA Escrow Account (payments held until construction milestones verify). Major delays (>12 months) allow buyers to cancel and recover funds — rare at tier-1 developers like Emaar, Sobha, Nakheel.
Most developers offer zero-interest construction-linked plans directly. Third-party banks also offer off-plan mortgages but require 50% down and only fund the handover balance. Idigov arranges financing across both routes.

Frequently asked.

Standard plans are 10–20% booking, 40–60% construction (3–6 milestones), and 30–50% handover. Developers like Damac and Azizi offer post-handover plans stretching 2–5 years beyond keys — useful for cashflow but usually at higher total cost.

Oqood is the Dubai Land Department's off-plan property registration. Cost: AED 1,050 admin + 4% registration fee (same as ready-property transfer). Paid by the buyer at signing — in addition to the booking amount.

Yes, after paying 30–40% of purchase price (developer-specific). The new buyer assumes the remaining plan. Resales during construction are common for investors capturing developer launch pricing; expect a transfer fee and developer NOC (AED 5,000–10,000).

Dubai off-plan projects averaged 49% on-time delivery recently. Buyers are protected by the RERA Escrow Account (payments held until construction milestones verify). Major delays (>12 months) allow buyers to cancel and recover funds — rare at tier-1 developers like Emaar, Sobha, Nakheel.

Most developers offer zero-interest construction-linked plans directly. Third-party banks also offer off-plan mortgages but require 50% down and only fund the handover balance. Idigov arranges financing across both routes.