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
100% allocated ✓
Result
Avg monthly commitment
Across the construction window.
Cashflow schedule
- Booking (signing)· M 0AED
600,000600,000 - Construction instalment 1· M 9AED
375,000375,000 - Construction instalment 2· M 18AED
375,000375,000 - Construction instalment 3· M 27AED
375,000375,000 - Construction instalment 4· M 36AED
375,000375,000 - Handover· M 36AED
900,000900,000
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). Delays for more than 12 months is very rare in Dubai. It's not in developer's interest to delay the handover, because the developer will be liable to pay heavy fines to the government for any possible delay.
Most developers offer zero-interest construction-linked plans directly. Third-party banks might also offer off-plan mortgages depending on developers and projects, but require 50% down and only fund the handover balance. Idigov arranges financing across both routes.
Under Dubai Law No. 8 of 2007, every off-plan project must hold buyer payments in a dedicated RERA-supervised escrow account. Funds are released to the developer only as verified construction milestones are reached, so your money is tied to actual progress rather than handed over upfront.
Oqood is the interim off-plan registration that records your purchase with the Dubai Land Department during construction. At handover, once the project is complete and final payments are made, the Oqood is converted into the permanent Title Deed in your name.
Yes. A property purchase of AED 2 million or more can qualify for the 10-year Golden Visa, and off-plan purchases from approved developers are eligible. Idigov can confirm whether a specific project and payment stage meet the current criteria.
Most developer contracts (SPAs) allow a grace period followed by penalties for late payment. Persistent default can let the developer cancel the SPA and, under RERA rules, retain a portion of what you've paid. Always review the cancellation and penalty clauses before signing.
You pay part of the price after you receive the keys — typically the final 20–50% spread over 2–5 years. This lets you move in or start renting the unit while still paying it off, but the total price is usually higher than a plan that completes at handover.
