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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 Siana by Zoya on AED 785K: 20% on booking, 28% during construction, 10% upon handover, 42% within 60 months ph (0.7% per month). Change any number below. Back to Siana by Zoya

Your purchase

Payment plan
Secure it for
AED 193,650
down + fees, first 30 days
Then just
AED 42,269 equivalent/month
averaged over construction, actual milestones vary
At handover
AED 78,500
often mortgageable
Total incl. fees
AED 821,650
DLD fee 4% + admin
MilestoneWhenAmount
Downpayment (20%)On bookingAED 157,000
During construction (70%)≈ AED 42,269 equivalent per month over 13 monthsAED 549,500
Handover (10%)On completionAED 78,500
DLD fee (4%)On bookingAED 31,400
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 Siana by Zoya, 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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