Home · Tools · Payment plan calculator

Off-Plan Payment Plan Calculator

See exactly what leaves your account, and when, pick a live project or model any plan, with the right fees for each emirate.

Loaded with Al Hamra Greens on AED 1.45M: 20% on booking, 30% during construction, 50% upon handover. Change any number below. Back to Al Hamra Greens

Your purchase

Payment plan
Secure it for
AED 295,850
down + admin, first 30 days (RAK Municipality fee comes later)
Then just
AED 17,436 equivalent/month
averaged over construction, actual milestones vary
At handover
AED 784,620
incl. RAK Municipality fee 4%, often mortgageable
Total incl. fees
AED 1,516,370
RAK Municipality fee 4% + admin
MilestoneWhenAmount
Downpayment (20%)On bookingAED 290,600
During construction (30%)≈ AED 17,436 equivalent per month over 25 monthsAED 435,900
Handover (50%)On completionAED 726,500
RAK Municipality fee (4%)On handoverAED 58,120
Admin / registration (est.)On bookingAED 5,250
Estimates for planning only, exact milestones follow the developer's SPA schedule.
Salem Mohamed
Salem Mohamed
Partner · View profile →

Get this schedule

The full milestone schedule for Al Hamra Greens, sent to you, plus what's negotiable on this plan.
Usually replies within 5 minutes

How UAE payment plans work

An off-plan payment plan splits the purchase price into instalments during construction, with the remainder due at (or after) handover. A "60/40" plan means 60% is paid in stages before handover and 40% on completion. All payments go into a regulator-controlled escrow account.

The real difference between plans is cashflow shape, not total cost: a post-handover plan smooths payments past completion; an 80/20 plan front-loads commitment but leaves a small completion payment. Model both before choosing a project, developers rarely discount for heavier front-loading, so lighter early cashflow generally wins for investors.

More tools