Dubai Property Payment Plans Explained

Mulberry Homes · August 2026 · 5–6 min read

What Does 60/40 Mean?

A 60/40 plan generally means 60% becomes payable before or during completion and 40% according to the final contractual milestone, commonly around handover. The exact schedule within the first 60% can vary.

What Does 80/20 Mean?

An 80/20 structure generally requires more capital during construction, with the final 20% payable according to the developer’s schedule.

Construction-Linked Plans

Some instalments become due as construction reaches specified milestones. Always refer to the official payment schedule and SPA for the actual triggers.

Post-Handover Plans

Some developments allow part of the purchase price to be paid after completion. This can help cash flow, but financing flexibility may be reflected in the purchase price.

Compare the Calendar, Not Just the Ratio

Two 60/40 plans can have completely different cash-flow requirements. Compare the actual dates, instalment sizes, handover amount, acquisition costs and whether financing may eventually be required.