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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 Whitecliffs Residences on AED 2.17M: 20% on booking, 29% during construction, 1% upon handover, 50% within 36 months ph. Change any number below. Back to Whitecliffs Residences

Your purchase

Payment plan
Secure it for
AED 525,632
down + fees, first 30 days
Then just
AED 131,763 equivalent/month
averaged over construction, actual milestones vary
At handover
AED 21,683
often mortgageable
Total incl. fees
AED 2,260,240
DLD fee 4% + admin
MilestoneWhenAmount
Downpayment (20%)On bookingAED 433,652
During construction (79%)≈ AED 131,763 equivalent per month over 13 monthsAED 1,712,925
Handover (1%)On completionAED 21,683
DLD fee (4%)On bookingAED 86,730
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 Whitecliffs 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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