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Dubai Off-Plan Payment Plan Calculator 2026

Break a Dubai off-plan purchase into its instalments — booking amount, construction-linked payments, handover balance, plus DLD and Oqood fees.

⚠️ Illustrative schedule. Every developer structures its payment plan differently. The DLD fee is the standard 4%; the Oqood registration and admin amounts are typical figures you should confirm with the developer or a registered trustee before budgeting.
The remainder is paid at handover (or post-handover if the plan allows).
Typical developer/DLD off-plan registration charge — confirm the exact amount.
AED 0 due at booking (incl. DLD & Oqood)
Booking payment—
DLD fee (4%)—
Oqood registration—
Each construction instalment—
Balance at handover—
Total outlay (price + fees)—

In short

Dubai off-plan payment plans are typically split into a booking payment (10–20%), construction-linked instalments and a balance at handover, with the 4% DLD fee and an Oqood registration fee usually due at booking. Some developers offer post-handover plans over 1–5 years.

Who this is for: Buyers of Dubai off-plan property breaking a payment plan into booking, construction and handover amounts.

Not tax or legal advice. Payment plans, Oqood/admin fees and any DLD waivers are set by each developer and change by project. Use this to compare plans, not as a contractual schedule — confirm every figure in the Sales & Purchase Agreement.
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How a Dubai off-plan payment plan is structured

Most off-plan plans in Dubai are expressed as a split like 20/40/40 or 60/40: a booking amount on signing, a series of construction-linked instalments (often tied to completion milestones or fixed dates), and a balance at handover. Some developers offer post-handover plans that stretch the final portion over 1–5 years after you receive the keys.

On top of the price, budget for the DLD fee (4%) — usually due at booking for off-plan — and the Oqood registration, the interim off-plan title registration with the Dubai Land Department. The 4% is a government fee; Oqood/admin charges vary by developer.

Source: Dubai Land Department; payment-plan structures as commonly published by developers.

Assumptions

  • Booking and construction percentages are applied to the price; the remainder is the handover balance.
  • Construction instalments are equal amounts; milestone-linked schedules are not modelled.
  • DLD fee is 4% of the price; the Oqood fee is the amount you enter.

Worked example

AED 1,200,000, 20/40/40 plan, 8 instalments, Oqood AED 3,000

Booking: AED 240,000 · DLD 4%: AED 48,000 · Oqood: AED 3,000 → AED 291,000 due at booking
Construction: AED 480,000 as 8 × AED 60,000
Handover: AED 480,000

Frequently asked questions

Can I get a mortgage on an off-plan property?

Yes, but the Central Bank caps off-plan mortgages at 50% LTV, and most banks only release funds at or near handover — so you typically self-fund the construction instalments.

Is the DLD fee ever waived on off-plan?

Some developers run promotions where they absorb the 4% DLD fee. If offered, treat it as a discount and check whether it's conditional on a specific payment plan.

What is Oqood?

The DLD's interim registration system for off-plan sales — it records your contract before the title deed exists. The fee is separate from the 4% transfer fee.

Is my money protected in an off-plan purchase?

Payments must go into a RERA-registered escrow account tied to the project, released to the developer against construction milestones.

Can I sell an off-plan property before handover?

Usually yes, once a minimum percentage of the price (often 30–40%) has been paid and the developer issues an NOC; the buyer takes over the payment plan.

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Same topic in other countries

Saudi Home Loan CalculatorEstimate your monthly home finance installment in Saudi Arabia, the down payment required under SAMA's LTV limits, and total cost over the term.UK Stamp Duty (SDLT) CalculatorCalculate Stamp Duty Land Tax on a property in England or Northern Ireland, including first-time buyer relief and the additional-property surcharge.UK Mortgage Affordability CalculatorHow much mortgage can you afford in the UK? Estimate what you could borrow from salary (4.5× income), deposit and a stressed rate, with the monthly repayment — plus self-build, help-to-buy and offset notes.

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Written by the Swift IT Sols editorial team · SWIFT SOLSRules sourced from the official authorities named on this page and last checked How we source and check calculators

Found an error? Report it — tell us the inputs, the result you got, what you expected and the rule or source. Confirmed corrections are published within a week.

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