80/20 Payment Plan Dubai
Pay 80% during construction, 20% at handover. Dubai's most common off-plan payment plan.
Projects with the 80/20 Payment Plan (23)
Pre-Launch Golden Visa Emaar Properties dubai-creek-harbour
Creek Haven at Dubai Creek Harbour
From AED 1,860,000
Pre-Launch Golden Visa Emaar Properties dubai-creek-harbour
Silva at Dubai Creek Harbour
From AED 1,790,000
Pre-Launch Golden Visa Emaar Properties dubai-creek-harbour
Lyvia by Palace at Dubai Creek Harbour
From AED 1,980,000
Under Construction Golden Visa Emaar Properties Dubai Hills Estate
Hillsedge at Dubai Hills Estate
From AED 1,840,000
Pre-Launch Golden Visa Emaar Properties dubai-land
Ovelle at The Valley by Emaar
From AED 7,090,000
Pre-Launch Golden Visa Emaar Properties dubai-land
Avelia at The Valley by Emaar
From AED 7,250,000
Pre-Launch Golden Visa Emaar Properties dubai-creek-harbour
Montiva by Vida at Dubai Creek Harbour
From AED 1,910,000
Pre-Launch Golden Visa Emaar Properties Dubai Hills Estate
Palace Residences Hillside at Dubai Hills Estate
From AED 1,710,000
Pre-Launch Golden Visa Emaar Properties Dubai Hills Estate
Vida Residences Hillside at Dubai Hills Estate
From AED 1,820,000
Pre-Launch Golden Visa Emaar Properties dubai-harbour
Baystar by Vida at Rashid Yachts & Marina
From AED 2,100,000
Pre-Launch Emaar Properties Dubai Hills Estate
Rosehill at Dubai Hills Estate
From AED 1,600,888
Pre-Launch Emaar Properties Dubai Hills Estate
Parkwood at Dubai Hills Estate
From AED 1,750,000
Pre-Launch Golden Visa Emaar Properties dubai-land
Mareva 2 at The Oasis
From AED 14,000,000
Pre-Launch Golden Visa Emaar Properties Dubai South
Aviara at The Heights Country Club & Wellness
From AED 2,490,000
Pre-Launch Golden Visa Emaar Properties Dubai South
Bellaria at The Heights Country Club & Wellness
From AED 2,400,000
Pre-Launch Golden Visa Emaar Properties dubai-harbour
The Bristol at Emaar Beachfront
From AED 3,660,000
Pre-Launch Golden Visa Emaar Properties Dubai Hills Estate
Greencrest at Dubai Hills Estate
From AED 1,570,000
Pre-Launch Golden Visa Emaar Properties Dubai South
Serro at The Heights Country Club & Wellness
From AED 6,200,000
Under Construction Golden Visa Emaar Properties Dubai South
Golf Links by Emaar South
From AED 2,100,000
Under Construction Golden Visa Emaar Properties Dubai Hills Estate
Golf Grand by Emaar
From AED 1,380,000
Under Construction Golden Visa DAMAC Properties Business Bay
DAMAC Volta
From AED 1,800,000
Launched Golden Visa Emaar Properties Dubai Creek Harbour
The Grove by Emaar — Creek Harbour
From AED 1,850,000
Under Construction Golden Visa Emaar Properties Dubai Creek Harbour
Creek Gate by Emaar
From AED 1,650,000
How It Works
The 80/20 payment plan is the standard structure for most major Dubai off-plan developments. You pay 80% of the purchase price in construction-linked instalments — typically tied to build milestones (foundation, superstructure, façade, fit-out, completion) — and the final 20% only when you receive the keys and title deed. Developers like Emaar, DAMAC, and Nakheel use this structure for the majority of their launches. The 80/20 plan is ideal for investors who want to minimise the lump sum due at handover and ensure payments are tied to actual construction progress.
Typical Cash Flow Schedule
| Stage | % | Example |
|---|---|---|
| Booking | 5–10% | AED 100,000–200,000 on AED 2M unit |
| Foundation / SPA signing | 10% | AED 200,000 |
| Construction milestones (×4–6) | ~10–15% each | AED 200,000–300,000 each |
| Completion / pre-handover | 5% | AED 100,000 |
| Handover / keys | 20% | AED 400,000 |
* Exact schedule varies by project and developer. Always review the SPA.
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