23 off-plan projects where you keep paying after you get the keys, from studios at AED 502K to sea-view homes on Dubai Islands.
What Is a Post-Handover Payment Plan?
With a post-handover payment plan, part of the price is paid after you receive the keys. A typical plan asks for 10–20% down, instalments during construction, and then 20–60% spread over one to six years once the building is complete.
The main advantage is cash flow: you can move in or start renting the property while still paying for it, so rental income can cover much of the remaining instalments. The plans below are the current terms we have from each developer. Terms change between releases, so check the latest plan with us before booking.
Under AED 1 Million
Studios and 1-bedroom apartments with post-handover terms, popular with first-time investors.
| Project | Location | From | Handover & plan |
|---|---|---|---|
| John Richmond Residence at Mira Coral Bay Mira Developments | Ras Al Khaimah | AED 500K | Q1 2029 50/50 |
| Orchid Towers by Tiger, Ajman Tiger Properties | Ajman | AED 502K | Q4 2028 60/40 post-handover · post-handover over 24 months |
| Elitz by Danube Danube Properties | Jumeirah Village Circle | AED 669K | Q4 2026 70/30 post-handover · post-handover , 1% a month |
| Arlington Park Majid Developments | Dubailand Residence Complex | AED 678K | Q1 2028 60/40 post-handover · post-handover Monthly instalments over 40 months after handover |
| Samana Downtown One Samana Developers | Downtown Jebel Ali | AED 689K | Q4 2029 1% monthly over 80 months · post-handover 1% a month over 80 months (continues after handover) |
| Samana South Haven Samana Developers | Dubai Industrial City | AED 758K | Q2 2029 1% monthly over 75 months · post-handover 1% a month over 75 months (continues after handover) |
| SkyGate Tower by Tiger Tiger Properties | Jumeirah Village Triangle | AED 831K | Q1 2028 40/10/50 post-handover · post-handover over 48 months |
| Ananda Residences by Tiger Tiger Properties | Motor City | AED 877K | Q2 2028 60/40 post-handover · post-handover over 24 months |
| Auresta by Tiger Tiger Properties | Jumeirah Village Circle | AED 900K | Q4 2028 50/50 post-handover · post-handover over 48 months (monthly or quarterly) |
AED 1–2 Million
| Project | Location | From | Handover & plan |
|---|---|---|---|
| Jade Tower by Tiger Tiger Properties | Al Majan | AED 1.26M | Q1 2027 40/10/50 post-handover · post-handover over 48 months |
| Samana Portside Samana Developers | Downtown Jebel Ali | AED 1.38M | Q3 2029 1% monthly over 75 months · post-handover 1% a month over 75 months (continues after handover) |
| Samana Resorts 1 & 2 Samana Developers | Dubai Production City | AED 1.49M | Q2 2028 47/53 post-handover · post-handover 1% a month |
Above AED 2 Million
Family-size and waterfront homes with post-handover terms, including Dubai Islands projects.
| Project | Location | From | Handover & plan |
|---|---|---|---|
| Samana Park Meadows Samana Developers | Dubailand Residence Complex | AED 2.15M | Q1 2028 50/50 incl. 25-month post-handover · post-handover 2% a month over 25 months |
| Wellington Ocean, Dubai Islands Wellington Developments | Dubai Islands | AED 2.15M | Q1 2027 55/45 with post-handover · post-handover 1% a month for 45 months |
| Samana Barari Lagoons Samana Developers | Majan | AED 2.23M | Q2 2028 1% monthly · post-handover 1% a month over 60 months, continuing after handover |
| Samana Imperial Garden Samana Developers | Arjan | AED 2.28M | Q1 2029 20/10/10 + 60% over 60 months · post-handover 1% a month over 60 months (continues after handover) |
| Samana Ibiza Samana Developers | Dubailand Residence Complex | AED 2.29M | Q1 2028 1% monthly · post-handover 1% a month over 60 months, continuing after handover |
| Samana Rome Samana Developers | Mohammed Bin Rashid City | AED 2.73M | Q4 2027 40/60 post-handover · post-handover 2% a month over 30 months |
| Anwa Aria by Beyond Beyond | Dubai Maritime City | AED 2.82M | Q1 2027 80/20 post-handover · post-handover 6 months after completion; 12 months after completion |
| Samana Ocean Crest Samana Developers | Dubai Islands | AED 2.94M | Q3 2028 1% monthly over 70 months · post-handover 1% a month over 70 months (continues after handover) |
| Tiger Sky Tower Tiger Properties | Business Bay | AED 3.17M | Q4 2028 50/50 post-handover · post-handover over 48 months (monthly or quarterly) |
| Samana Ocean Pearl Samana Developers | Dubai Islands | AED 3.35M | Q4 2027 40/60 post-handover · post-handover 2% a month over 30 months |
| Ocean Walk by Wellington, Dubai Islands Wellington Developments | Dubai Islands | AED 3.43M | Q4 2027 40/60 with 5-year post-handover · post-handover 1% a month for 60 months |
Pros and Cons of Post-Handover Plans
- Lower upfront cash: you need less capital before handover, and rent can fund later instalments.
- Lower risk during construction: a larger share is paid once the building is delivered.
- Price premium: projects with long post-handover plans can be priced higher than cash-heavy alternatives. Compare the total price, not just the monthly amount.
- Title and resale: until the balance is paid, the developer usually keeps a mortgage or restriction on the title. Reselling before final payment needs developer approval and may require clearing the balance.
- Mortgage options: some banks will refinance the post-handover balance; others will not. Ask us before you commit.
See also our guides to off-plan properties under AED 1 million and waterfront properties.
Speak to an adviser for current availability, floor plans and the latest prices.
Frequently asked
Questions buyers ask about this topic
It means part of the property price is paid after the developer hands over the finished home. You get the keys and can live in or rent the property while paying the balance in instalments.
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