Off-plan projects with a 5% or less down payment: 395 projects
395 tracked off-plan projects publish at least one payment plan asking five percent or less of the price on booking, 437 plans in all. That is 17% of the 2,265 off-plan projects whose published schedule the corpus can read, offered by 155 developers across 98 communities. A project that publishes two plans with different deposits is counted in both bands.
Priced across 7,735 unit records, the median asks AED 1,616,437 for 1,245 sqft, or AED 1,458 per sqft. The deposit is only the first payment: the median plan here has 50% of the price paid before the keys, and 19% of the plans still run after handover. 47% of the priced records sit in Dubai.
29% of the 395 projects publishing a sale status are already marked gone, so read the list below as evidence of terms rather than of availability.
Against the other deposits
| Down payment | Projects | Developers | Priced records | AED/sqft | Due before keys | Plan discount |
|---|---|---|---|---|---|---|
| 5% or less | 395 | 155 | 7,735 | 1,458 | 50% | 6.54% |
| 10% | 929 | 251 | 24,614 | 1,990 | 50% | 5.47% |
| 20% | 924 | 238 | 28,799 | 2,149 | 60% | 4.84% |
The plan discount is the published schedule discounted to present value at 5.0% a year against its headline price: a deeper number means more of the price is deferred. Bands overlap where a project publishes plans with different deposits.
How the rest falls due
| Structure | Projects in this band | Share of the band |
|---|---|---|
| 40/60 | 113 | 29% |
| 60/40 | 98 | 25% |
| Post-handover | 83 | 21% |
| 50/50 | 61 | 15% |
| 70/30 | 33 | 8% |
| 30/70 | 31 | 8% |
| 1% monthly | 16 | 4% |
| 20/80 | 15 | 4% |
| 80/20 | 11 | 3% |
| 90/10 | 5 | 1% |
A structure counts a project when any of its published plans has that shape, so a project can appear on several rows and the shares do not sum to 100%.
Who asks it
| Developer | Priced records | Median price | Median sqft | AED/sqft |
|---|---|---|---|---|
| GJ | 1,781 | AED 1.03M | 1,458 | 706 |
| Reportage | 743 | AED 1.38M | 1,134 | 1,672 |
| Arada | 533 | AED 2.44M | 2,014 | 1,272 |
| Union P.J.S.C | 433 | AED 2.45M | 1,266 | 1,940 |
| DAMAC | 310 | AED 1.70M | 1,011 | 1,680 |
| Aldar | 297 | AED 6.30M | 2,243 | 1,971 |
| Alef | 234 | AED 1.47M | 1,175 | 1,254 |
| Deyaar | 168 | AED 1.82M | 1,066 | 1,734 |
| Major | 158 | AED 2.05M | 824 | 2,718 |
| Sobha Realty | 130 | AED 1.69M | 906 | 1,850 |
| Tiger Properties | 125 | AED 1.08M | 1,205 | 964 |
| Azha | 117 | AED 620K | 1,226 | 509 |
| Aqua | 104 | AED 2.27M | 1,499 | 1,522 |
| Arsenal East | 100 | AED 1.79M | 730 | 2,556 |
| Bloom Holding | 89 | AED 1.78M | 1,172 | 1,416 |
| Hirat | 89 | AED 1.42M | 699 | 1,981 |
| The Luxe | 83 | AED 3.21M | 1,182 | 2,480 |
| Alishaan | 79 | AED 995K | 737 | 1,325 |
| OKSA | 75 | AED 1.14M | 859 | 1,287 |
| ICT | 68 | AED 3.68M | 2,039 | 1,812 |
| Metrical | 67 | AED 1.95M | 723 | 2,696 |
| Zaya | 64 | AED 3.60M | 1,900 | 1,863 |
| RAK | 64 | AED 2.22M | 1,085 | 2,098 |
| GFS | 62 | AED 822K | 642 | 1,394 |
| Omniyat | 59 | AED 52.2M | 6,448 | 8,090 |
Where it is offered
| Community | Emirate | Priced records | Median price | Median sqft | AED/sqft |
|---|---|---|---|---|---|
| Free Zone | Ajman | 855 | AED 1.03M | 1,230 | 822 |
| Dubai Investments Park | Dubai | 594 | AED 1.28M | 771 | 1,679 |
| Motor City | Dubai | 495 | AED 2.41M | 1,258 | 1,939 |
| Al Rashidiya | Ajman | 449 | AED 1.14M | 1,859 | 692 |
| Muwaileh | Sharjah | 412 | AED 1.66M | 1,277 | 1,276 |
| Al Marjan Island | Ras Al Khaimah | 362 | AED 2.72M | 1,006 | 2,776 |
| Al Amerah | Ajman | 317 | AED 622K | 1,197 | 511 |
| Jumeirah Village Circle | Dubai | 276 | AED 1.16M | 774 | 1,638 |
| Dubai South | Dubai | 240 | AED 1.35M | 1,043 | 1,326 |
| DAMAC Lagoons | Dubai | 237 | AED 2.83M | 1,873 | 1,600 |
| Al Satwa | Dubai | 203 | AED 1.78M | 731 | 2,453 |
| Dubai Islands | Dubai | 193 | AED 3.16M | 1,379 | 2,288 |
| Al Raudah | Umm Al Quwain | 168 | AED 1.82M | 1,066 | 1,734 |
| Ajman Downtown | Ajman | 155 | AED 1.14M | 1,996 | 572 |
| Aljada | Sharjah | 153 | AED 1.72M | 1,497 | 1,271 |
| DAMAC Hills | Dubai | 145 | AED 1.62M | 919 | 1,710 |
| Al Nahda | Sharjah | 120 | AED 1.04M | 1,206 | 964 |
| Arabian Ranches 3 | Dubai | 106 | AED 2.66M | 1,462 | 1,768 |
| Al Ameera Village | Ajman | 104 | AED 672K | 1,189 | 546 |
| Al Reem Island | Abu Dhabi | 104 | AED 3.56M | 1,832 | 2,037 |
| Saadiyat Island | Abu Dhabi | 100 | AED 9.48M | 2,507 | 3,756 |
| Al Raha Beach | Abu Dhabi | 91 | AED 3.74M | 2,052 | 1,865 |
| Al Rowdat Suburb | Sharjah | 81 | AED 3.48M | 3,139 | 1,129 |
| Sheikh Zayed Road | Dubai | 80 | AED 3.62M | 1,817 | 1,892 |
| Liwan | Dubai | 79 | AED 995K | 737 | 1,325 |
Where five or more off-plan projects in a community publish a plan asking this deposit, its name links to that address's own 5% or less down payment page, with the projects listed one by one. The other communities link to their community page.
What it buys, rung by rung
The projects
Ordered by how much priced inventory each project publishes, the depth of the evidence rather than a ranking of the offer. Every project here publishes at least one plan asking this deposit; many publish others too.
How this is counted
The base is the 3,193 published plans on 2,265 live off-plan projects whose steps sum to a plausible whole, the same base as every payment plan structure page. A plan is in a band by its booking step: 5% or less for the first band, 10% and 20% exactly for the other two, because that is how developers quote them. Deposits in between (15%, 25%) are counted in the base and in no band.
The full report: every community, every developer, ranked.
5% or less down payment in context: price per sqft by community and developer, payment plan structures ranked by cash due before handover, the 2026 to 2029 delivery pipeline, and the CSV behind every table. PDF plus data, delivered instantly.