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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 LUM1NAR on AED 1.12M: 10% on booking, 50% during construction, 40% upon handover. Change any number below. Back to LUM1NAR

Your purchase

Payment plan
Secure it for
AED 161,816
down + fees, first 30 days
Then just
AED 43,013 equivalent/month
averaged over construction, actual milestones vary
At handover
AED 447,332
often mortgageable
Total incl. fees
AED 1,168,314
DLD fee 4% + admin
MilestoneWhenAmount
Downpayment (10%)On bookingAED 111,833
During construction (50%)≈ AED 43,013 equivalent per month over 13 monthsAED 559,166
Handover (40%)On completionAED 447,332
DLD fee (4%)On bookingAED 44,733
Admin / Oqood (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 LUM1NAR, 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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