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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 Waldorf Astoria Residences on AED 8.4M: 50% during construction, 50% within 36 months ph. Change any number below. Back to Waldorf Astoria Residences

Your purchase

Payment plan
Secure it for
AED 4,205,250
down + admin, first 30 days (RAK Municipality fee comes later)
Then just
AED 168,000 equivalent/month
averaged over construction, actual milestones vary
At handover
AED 336,000
incl. RAK Municipality fee 4%, often mortgageable
Total incl. fees
AED 8,741,250
RAK Municipality fee 4% + admin
MilestoneWhenAmount
Downpayment (50%)On bookingAED 4,200,000
During construction (50%)≈ AED 168,000 equivalent per month over 25 monthsAED 4,200,000
RAK Municipality fee (4%)On handoverAED 336,000
Admin / registration (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 Waldorf Astoria Residences, 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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