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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 Sei Saadiyat on AED 2.95M: 5% down payment, 45% during construction, 50% on handover. Change any number below. Back to Sei Saadiyat

Your purchase

Payment plan
Secure it for
AED 211,750
down + fees, first 30 days
Then just
AED 26,550 equivalent/month
averaged over construction, actual milestones vary
At handover
AED 1,475,000
often mortgageable
Total incl. fees
AED 3,014,250
ADM fee 2% + admin
MilestoneWhenAmount
Downpayment (5%)On bookingAED 147,500
During construction (45%)≈ AED 26,550 equivalent per month over 50 monthsAED 1,327,500
Handover (50%)On completionAED 1,475,000
ADM fee (2%)On bookingAED 59,000
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 Sei Saadiyat, 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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