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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 Sobha Siniya Island Villas Phases 1 and 2 on AED 11.53M: 10% on booking, 50% during construction, 40% upon handover. Change any number below. Back to Sobha Siniya Island Villas Phases 1 and 2

Your purchase

Payment plan
Secure it for
AED 1,619,860
down + fees, first 30 days
Then just
AED 230,659 equivalent/month
averaged over construction, actual milestones vary
At handover
AED 4,613,171
often mortgageable
Total incl. fees
AED 11,999,495
DLD fee 4% + admin
MilestoneWhenAmount
Downpayment (10%)On bookingAED 1,153,293
During construction (50%)≈ AED 230,659 equivalent per month over 25 monthsAED 5,766,464
Handover (40%)On completionAED 4,613,171
DLD fee (4%)On bookingAED 461,317
Admin / Oqood (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 Sobha Siniya Island Villas Phases 1 and 2, 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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