Off-plan payment plan calculator
Turn a developer’s payment plan into a dated schedule: down payment, instalments during construction, the handover payment and any post-handover instalments. Use it to compare plans or to send a buyer a clear schedule.
Payment schedule
1,560,000.00 AED
The plan adds up to 100%, not 100%. Check the percentages.
Some construction instalments fall after the handover date. Use fewer instalments or a longer gap.
- Paid by handover
- 1,500,000.00
- Paid after handover
- 0.00
- Total including the fee
- 1,560,000.00
| Payment | Date | % | Amount |
|---|---|---|---|
| Down payment | October 30, 2026 | 20 | 300,000.00 |
| Registration fee | October 30, 2026 | 4 | 60,000.00 |
| Instalment 1 | January 30, 2027 | 5 | 75,000.00 |
| Instalment 2 | April 30, 2027 | 5 | 75,000.00 |
| Instalment 3 | July 30, 2027 | 5 | 75,000.00 |
| Instalment 4 | October 30, 2027 | 5 | 75,000.00 |
| Instalment 5 | January 30, 2028 | 5 | 75,000.00 |
| Instalment 6 | April 30, 2028 | 5 | 75,000.00 |
| Instalment 7 | July 30, 2028 | 5 | 75,000.00 |
| Instalment 8 | October 30, 2028 | 5 | 75,000.00 |
| Handover | October 28, 2028 | 40 | 600,000.00 |
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A guide, not legal or tax advice. Confirm figures with your accountant or lawyer before you rely on them.
Plan structures are common market practice in the UAE, Saudi Arabia and Egypt; the 4% fee is the Dubai Land Department transfer fee. Every figure is your own input.
How to read a payment plan
60/40 or 50/50
The first number is what you pay before handover, the second on handover. A 60/40 plan means 60% during construction (including the down payment) and 40% on completion.
Post-handover plans
Part of the price is paid after you receive the keys, often over two to five years. They ease cash flow but can come with a higher price.
Fees on top
In Dubai the 4% DLD fee and admin fees are paid on booking and are not part of the plan percentages. Other markets have their own registration or transfer fees.
Dates move
Construction instalments are often tied to progress milestones, not fixed dates. Treat the dates here as a guide.
What is a 60/40 payment plan?
60% of the price is paid before handover, in a down payment and construction instalments, and 40% when the property is handed over.
Is the DLD fee part of the payment plan?
No. In Dubai the 4% Land Department fee is paid on top, usually at booking. The tool adds it as a separate line.
Can I send this schedule to a buyer?
Yes, as an estimate. The developer’s sale and purchase agreement sets the binding dates and amounts.
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