Off-Plan Resale: Payment to Transfer
Buying an off-plan resale? This is the number everyone gets wrong: what you actually pay on transfer day, who it goes to, and what stays on the developer's payment plan.
Payment to transfer
Who gets what on transfer day, and what stays on the developer's plan.
Instalments the seller has missed, paid to the developer at transfer.
Developer penalties, settled from the seller's proceeds.
Transfer day: who gets what
The seller receives
Instalments already paid (30% of original)AED 600,000
Total to sellerAED 600,000
The developer receives
Top-up to 40% NOC minimum (10%)AED 200,000
Total to developerAED 200,000
Fees & government
DLD fee (4% of purchase cost)AED 80,000
Agency fee (2% + VAT)AED 42,000
Trustee feeAED 5,200
Conveyancing (+VAT)AED 7,300
Oqood transferAED 3,150
Developer NOCAED 5,200
Total feesAED 142,850
Total on transfer date
AED 942,850
Stays on the plan (60%)
AED 1,200,000
paid per the original schedule
Total investment
AED 2,142,850
Standard fee rates, confirmed exactly on instruction. Estimates for planning only.
Danny Anderson
Director · View profile →
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The full transfer breakdown, branded and ready to forward.
WhatsApp a SpecialistHow an off-plan resale transfer works
An off-plan resale transfers a property mid-payment-plan: the buyer reimburses the seller's paid instalments (plus any agreed premium), tops the developer up to their NOC minimum if needed, pays the transfer fees, and then simply continues the original payment plan to handover.
Most developers require 30–40% of the price paid before they issue the No Objection Certificate that allows a transfer. If the seller hasn't reached it, the buyer's top-up goes to the developer, not the seller, which is why the transfer-day figure and the "price" are two different numbers. Our desk runs this calculation for every off-plan resale we broker.