Every off-plan payment plan, counted
Compare two to four projects side by side
A headline price is a number attached to a schedule. The schedule is the half of an off-plan purchase that is actually negotiable, and the half every portal prints as a sales line rather than as data: 60/40 on a project page, and nothing about how common it is, who offers it, or what it is worth.
11,667 parsed payment steps across 4,159 published plans make that a query. 3,193 of those plans, on 2,265 live off-plan projects, have steps that sum to a plausible whole, and they sort into 10 structures deep enough to describe. The commonest is 60/40, on 580 projects.
Every structure
| Structure | What it means | Projects | Developers | Priced records | AED/sqft | Median price | Before handover | Post-handover share | Plan discount |
|---|---|---|---|---|---|---|---|---|---|
| 90/10 | nine tenths of the price is due before keys, the rest on handover | 74 | 26 | 1,192 | 1,624 | AED 2.21M | 90% | none | 4.26% |
| 80/20 | four fifths before keys, a fifth on handover | 318 | 38 | 3,747 | 1,866 | AED 3.37M | 80% | none | 5.65% |
| 70/30 | seventy before keys, thirty on handover | 238 | 59 | 10,439 | 2,273 | AED 1.66M | 70% | none | 4.81% |
| 60/40 | sixty before keys, forty on handover | 580 | 171 | 17,007 | 2,167 | AED 2.01M | 60% | none | 5.13% |
| 50/50 | half before keys, half on handover | 430 | 188 | 16,764 | 1,977 | AED 1.44M | 50% | none | 4.97% |
| 40/60 | forty before keys, sixty on handover | 332 | 154 | 6,124 | 1,874 | AED 2.06M | 40% | none | 4.84% |
| 30/70 | thirty before keys, seventy on handover | 177 | 101 | 8,164 | 1,847 | AED 1.61M | 30% | none | 4.86% |
| 20/80 | a fifth before keys, four fifths on handover | 71 | 44 | 2,868 | 1,742 | AED 1.27M | 20% | none | 4.13% |
| Post-handover | an instalment still due after the keys are handed over | 392 | 157 | 11,236 | 1,644 | AED 1.49M | 50% | 40% | 7.06% |
| 1% monthly | the price paid down at one percent a month rather than in stage payments | 88 | 49 | 4,524 | 1,658 | AED 1.32M | 50% | 39% | 7.73% |
The columns count different things and both are stated: projects is how many schemes publish the structure, priced records is how many benchmarked units sit inside those schemes. The sets overlap, because a project publishing two plans is counted under both, so the project column sums past the 2,265 projects behind the set. Before handover and post-handover share are the median of the same parsed steps behind every project page. The plan discount is the schedule discounted to present value at 5.0% a year against the headline price it is quoted at, published only where at least 20 projects in the structure carry a forward handover date and a price to discount.
By down payment
The verdict, structure by structure
74 projects from 26 developers publish 90/10, typically 10% at booking, 80% during construction and 10% on handover, 90% of the price is due before handover.
Example: Nexara Tower, Deansgate
318 projects from 38 developers publish 80/20, typically 19% at booking, 62% during construction and 19% on handover, 80% of the price is due before handover.
Example: Parkwood Residences, Fahid Beach Terraces
238 projects from 59 developers publish 70/30, typically 20% at booking, 50% during construction and 30% on handover, 70% of the price is due before handover.
Example: Greygate Residences, Lumiere Heights
580 projects from 171 developers publish 60/40, typically 15% at booking, 45% during construction and 40% on handover, 60% of the price is due before handover.
Example: Havelock Residences, Sora Beach Residences
430 projects from 188 developers publish 50/50, typically 10% at booking, 40% during construction and 50% on handover, 50% of the price is due before handover.
Example: Nexara Tower, Karl Lagerfeld Beach Residences
332 projects from 154 developers publish 40/60, typically 10% at booking, 30% during construction and 60% on handover, 40% of the price is due before handover.
Example: Ocean Tower, Aark Terraces
177 projects from 101 developers publish 30/70, typically 10% at booking, 20% during construction and 70% on handover, 30% of the price is due before handover.
Example: Nasim Al Bahr Residences, Avior By Acube
71 projects from 44 developers publish 20/80, typically 19% at booking, 5% during construction and 76% on handover, 20% of the price is due before handover.
Example: Celia Gardens, Norah Residence
392 projects from 157 developers publish Post-handover, typically 17% at booking, 66% during construction and 17% on handover, 50% of the price is due before handover, with 40% still owed after keys.
Example: Aark Terraces, Kempinski Marina Residences
88 projects from 49 developers publish 1% monthly, typically 29% at booking, 57% during construction and 14% on handover, 50% of the price is due before handover, with 39% still owed after keys.
Example: Zeta, Aum 99 Residences
What is not here
A structure earns a page at 60 projects, below which it would be a handful of schemes generalised into a market norm. Paid in full before handover carries 238 projects on 294 plans. 10/90 carries 3 projects on 4 plans. The first of those is not really a plan at all: most of it is a single payment at booking, which is a cash purchase rather than a schedule, and giving it a page called a payment plan would misdescribe it.
Percentages are rounded to the nearest ten before a plan is filed, so a 15/85 schedule lands in an adjacent bucket rather than opening one of its own. 8 splits clear the floor, 90/10, 80/20, 70/30, 60/40, 50/50, 40/60, 30/70, 20/80, alongside the two cross-cutting shapes.