60/40 Payment Plan Dubai
Pay 60% during construction, 40% at handover. Favoured by luxury developers like Sobha.
Projects with the 60/40 Payment Plan (2)
Under Construction Golden Visa Sobha Realty mbr-city
Sobha Orbis
From AED 1,200,000
Under Construction Golden Visa Sobha Realty dubai-harbour
Sobha Seahaven Tower A
From AED 2,400,000
How It Works
The 60/40 payment plan is often used by ultra-premium developers such as Sobha Realty for their flagship waterfront and branded developments. With 60% payable during construction and 40% at handover, you have more liquidity during the build phase — but the handover lump sum is significant. On a AED 3M Sobha Seahaven unit, the 40% handover payment is AED 1.2M. Most buyers on 60/40 plans arrange an off-plan mortgage to be drawn at completion, converting the handover payment into a structured loan.
Typical Cash Flow Schedule
| Stage | % | Example |
|---|---|---|
| Booking | 5–10% | AED 150,000–300,000 on AED 3M unit |
| SPA signing | 10% | AED 300,000 |
| Construction milestones (×3–4) | ~10–15% each | AED 300,000–450,000 each |
| Completion | 5% | AED 150,000 |
| Handover / keys | 40% | AED 1,200,000 |
* Exact schedule varies by project and developer. Always review the SPA.
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