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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 Ice Beach on AED 1.51M: 5% on booking, 65% during construction, 10% upon handover, 20% within 20 months ph (1% per month). Change any number below. Back to Ice Beach

Your purchase

Payment plan
Secure it for
AED 80,567
down + admin, first 30 days (RAK Municipality fee comes later)
Then just
AED 26,130 equivalent/month
averaged over construction, actual milestones vary
At handover
AED 210,887
incl. RAK Municipality fee 4%, often mortgageable
Total incl. fees
AED 1,571,839
RAK Municipality fee 4% + admin
MilestoneWhenAmount
Downpayment (5%)On bookingAED 75,317
During construction (85%)≈ AED 26,130 equivalent per month over 49 monthsAED 1,280,386
Handover (10%)On completionAED 150,634
RAK Municipality fee (4%)On handoverAED 60,253
Admin / registration (est.)On bookingAED 5,250
Estimates for planning only, exact milestones follow the developer's SPA schedule.
Danny Anderson
Danny Anderson
Director · View profile →

Get this schedule

The full milestone schedule for Ice Beach, 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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