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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 Azure by Lapis on AED 936K: 20% on booking, 36% during construction (1% per month with milestone payments of 6%), 19% upon handover, 25% within 25 months ph (1% per month). Change any number below. Back to Azure by Lapis

Your purchase

Payment plan
Secure it for
AED 192,536
down + admin, first 30 days (RAK Municipality fee comes later)
Then just
AED 22,849 equivalent/month
averaged over construction, actual milestones vary
At handover
AED 215,379
incl. RAK Municipality fee 4%, often mortgageable
Total incl. fees
AED 979,137
RAK Municipality fee 4% + admin
MilestoneWhenAmount
Downpayment (20%)On bookingAED 187,286
During construction (61%)≈ AED 22,849 equivalent per month over 25 monthsAED 571,222
Handover (19%)On completionAED 177,922
RAK Municipality fee (4%)On handoverAED 37,457
Admin / registration (est.)On bookingAED 5,250
Estimates for planning only, exact milestones follow the developer's SPA schedule.
Trude Roberts
Trude Roberts
Partner · View profile →

Get this schedule

The full milestone schedule for Azure by Lapis, 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.

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