Dubai Off-Plan Payment Plan Calculator Widget

Turn a developer's off-plan offer - 10% on booking, instalments during construction, a handover payment and a post-handover plan - into a month-by-month schedule, with what is due before and after handover and the purchaser's 2% initial-sale registration fee.

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<iframe src="https://a2z.tools/embed/w/dubai-off-plan-payment-plan-calculator" title="Dubai Off-Plan Payment Plan Calculator by A2Z Tools" width="100%" height="1070" style="border:0;width:100%" loading="lazy" allow="clipboard-write"></iframe>

A plain iframe. Works everywhere, including site builders that strip scripts. Adjust height if your content needs more room.

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How it works

Off-plan payment plans in Dubai are set by each developer, so the widget takes the plan as you enter it: a booking percentage, a construction percentage split into equal instalments every one, three or six months, a handover percentage, and an optional post-handover percentage spread over monthly payments. It checks that the plan adds up to exactly 100%, spreads each stage evenly (the last instalment absorbs any fils left by rounding, so the schedule always totals the price), and reports what you will have paid by handover and what remains after it. The only regulated figure is the Dubai Land Department's initial-sale registration fee, Oqood: DLD lists 4% of the sale value as 2% for the purchaser and 2% for the seller, plus AED 10 + AED 10. That fee comes from A2Z's rule file; everything else is your developer's plan.

Calculation method

  • Plan must total 100%: booking + construction + handover + post-handover
  • Each construction instalment = price x construction% / number of instalments (last one absorbs rounding)
  • Post-handover monthly payment = price x post-handover% / months
  • Purchaser's registration fee = 2% x price + AED 10 + AED 10 (DLD initial-sale fees)

Worked examples

60/40 plan

Inputs: Price AED 1,800,000; 10% booking; 50% in 8 quarterly instalments; 20% handover; 20% over 24 months

Result: AED 1,440,000 by handover; AED 360,000 after (AED 15,000 a month)

8 x 112,500 = 900,000 construction; 360,000 handover; 360,000 / 24 = 15,000.

Registration fee

Inputs: Price AED 1,800,000

Result: Purchaser's Oqood fee AED 36,000 + AED 20

2% x 1,800,000 = 36,000.

A planning aid. The Sale and Purchase Agreement and the developer's statements are the binding schedule.

Limitations

  • The payment plan is what you enter; developers' plans, milestones and discounts vary.
  • Developer admin fees, service charges and DLD fees for the later title transfer are not included.
  • Construction delays that move the handover date are not modelled.
  • Escrow account rules, completion certificates and developer delay penalties are governed by the project documents, not by this schedule.

Where publishers use it

  • A developer's launch page turning its 60/40 plan into a clear schedule
  • A broker comparing two projects' plans for a client
  • An investor blog showing cash needed before handover
  • An Arabic project brochure page with an interactive plan
  • A mortgage adviser showing how much cash an investor must fund before handover
  • A Dubai Hills or Business Bay buyer mapping a 60/40 plan
  • A broker explaining post-handover instalments

Questions

What is a 60/40 payment plan?

60% of the price is paid before or at handover - usually a booking deposit plus construction instalments - and 40% after handover, often monthly over several years. Enter it as booking, construction, handover and post-handover percentages.

What is the Oqood registration fee?

The Dubai Land Department's fee for registering an initial (off-plan) sale: 4% of the sale value, listed by DLD as 2% purchaser and 2% seller, plus AED 10 + AED 10.

Are the instalment dates exact?

No. They are counted in months from booking. The real dates are set in the Sale and Purchase Agreement and often follow construction milestones rather than a calendar.

Can I finance an off-plan purchase?

UAE Central Bank rules cap off-plan mortgages at 50% of the value for every buyer category; use the mortgage calculator for that limit.

Rules and official sources

Every legal or regulatory figure this widget uses is listed here, with the official page it was read from. The widget reads them from A2Z's rule file for United Arab Emirates; when a rule changes, the widget changes with it.

RuleOfficial sourceIn force fromLast verifiedNext review
Off-plan (initial sale) registration fee
Seller 2% + purchaser 2% of the sale value, AED 10 + AED 10. 		Request to Register the Initial Sale - service fees
Dubai Land Department - DLD service page		 Not stated on the source 6 Oct 2026 4 Apr 2027

Sources

  1. Request to Register the Initial Sale - service fees - Dubai Land Department . DLD service page. Verified 2026-10-06.

Cite or recommend this tool

If you reference this tool in an article, course or documentation, these formats are ready to copy. They are optional - nothing is added to your site unless you paste it.

A2Z Tools Dubai Off-Plan Payment Plan Calculator
https://a2z.tools/embed/dubai-off-plan-payment-plan-calculator

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