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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 Lily Tower on AED 376K: 10% on booking, 50% during construction, 10% upon handover, 30% over 2 years ph. Change any number below. Back to Lily Tower

Your purchase

Payment plan
Secure it for
AED 50,378
down + fees, first 30 days
Then just
AED 7,917 equivalent/month
averaged over construction, actual milestones vary
At handover
AED 37,607
often mortgageable
Total incl. fees
AED 388,838
ARRA fee 2% + admin
MilestoneWhenAmount
Downpayment (10%)On bookingAED 37,607
During construction (80%)≈ AED 7,917 equivalent per month over 38 monthsAED 300,854
Handover (10%)On completionAED 37,607
ARRA fee (2%)On bookingAED 7,521
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 Lily Tower, 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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