70/30 Payment Plan Dubai
Pay 70% during construction, 30% at handover. Used by Binghatti, Ellington, and mid-market developers.
Projects with the 70/30 Payment Plan (5)
Under Construction Golden Visa Ellington Properties mbr-city
Wilton Terraces by Ellington
From AED 1,450,000
Near Completion Binghatti Developers Jumeirah Village Circle
Binghatti Ghost Dubai
From AED 680,000
Under Construction Golden Visa Ellington Properties Dubai Hills Estate
Crestwood Park by Ellington
From AED 1,100,000
Under Construction Golden Visa DAMAC Properties dubai-harbour
DAMAC Bay 2 by Cavalli
From AED 3,500,000
Near Completion Golden Visa Binghatti Developers Business Bay
Binghatti Skyrise
From AED 900,000
How It Works
The 70/30 plan is popular with boutique and mid-size Dubai developers including Binghatti and Ellington. Compared to 80/20, you commit slightly less during construction — meaning lower monthly cash flow obligation while the building rises — but face a larger lump sum at handover. The 30% handover payment on a AED 1.5M apartment is AED 450,000. Buyers who use this plan often budget for a refinancing or mortgage draw at completion to cover the handover payment, converting the off-plan instalment history into a standard mortgage.
Typical Cash Flow Schedule
| Stage | % | Example |
|---|---|---|
| Booking | 5–10% | AED 75,000–150,000 on AED 1.5M unit |
| SPA signing | 10% | AED 150,000 |
| Construction milestones (×4–5) | ~10–12% each | AED 150,000–180,000 each |
| Completion | 5% | AED 75,000 |
| Handover / keys | 30% | AED 450,000 |
* Exact schedule varies by project and developer. Always review the SPA.
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