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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 Lunaya Terraces on AED 2.95M: 5% on booking, 20% during construction, 75% upon handover. Change any number below. Back to Lunaya Terraces

Your purchase

Payment plan
Secure it for
AED 270,921
down + fees, first 30 days
Then just
AED 15,956 equivalent/month
averaged over construction, actual milestones vary
At handover
AED 2,213,929
often mortgageable
Total incl. fees
AED 3,075,231
DLD fee 4% + admin
MilestoneWhenAmount
Downpayment (5%)On bookingAED 147,595
During construction (20%)≈ AED 15,956 equivalent per month over 37 monthsAED 590,381
Handover (75%)On completionAED 2,213,929
DLD fee (4%)On bookingAED 118,076
Admin / Oqood (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 Lunaya Terraces, 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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