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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 Fortune Bay Residences on AED 2.84M: 5% on booking, 45% during construction, 50% upon handover. Change any number below. Back to Fortune Bay Residences

Your purchase

Payment plan
Secure it for
AED 147,056
down + admin, first 30 days (RAK Municipality fee comes later)
Then just
AED 98,173 equivalent/month
averaged over construction, actual milestones vary
At handover
AED 1,531,506
incl. RAK Municipality fee 4%, often mortgageable
Total incl. fees
AED 2,954,817
RAK Municipality fee 4% + admin
MilestoneWhenAmount
Downpayment (5%)On bookingAED 141,806
During construction (45%)≈ AED 98,173 equivalent per month over 13 monthsAED 1,276,255
Handover (50%)On completionAED 1,418,061
RAK Municipality fee (4%)On handoverAED 113,445
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 Fortune Bay Residences, 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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