Want to own a home in Dubai but can’t afford to pay the lump sum amount? Don’t worry, you can now buy your dream property in Dubai on installments. Several developers in the Emirate offer flexible payment plans that allow you to buy apartments on Installments and spread the payment over 2-5 years during and after construction.
Buying a property on Installments in Dubai is a smart option for both residents and investors. You can move into your new home while paying the remaining balance conveniently every month.
With affordable installments starting from as low as 5% down payment, owning a home in Dubai with installments is now easier than ever. Take advantage of this opportunity to finally own premium real estate in one of the fastest-growing cities in the world. So, without any further delay, let’s start our journey.
Understanding Dubai’s Real Estate Market
Dubai’s property market has been showing incredible strength in recent years. In the first quarter of 2025 alone, the market recorded total sales worth AED 142.7 billion, marking a 30.3% increase compared to the same period in 2024. Property values have been steadily rising, with the median price per square foot reaching AED 1,563 in Q1 2025, up from AED 889 in 2021.
Since late 2020, Dubai property prices have surged by nearly 70%, outperforming other major global cities. This growth has been fueled by government policies, an influx of wealthy investors, and Dubai’s status as a business and tourism hub. The off-plan market remains particularly strong, with over 24,920 transactions completed in Q1 2025 alone.
Some of the most coveted areas for luxury property in Dubai include Palm Jumeirah, Dubai Marina, Jumeirah Beach Residences, Emirates Hills and Meydan. On Palm Jumeirah, properties can range from luxury apartments and penthouses to magnificent beachfront villas costing over AED 100 million. Luxury villa communities in Dubai like Dubai Hills Estate, Arabian Ranches, DAMAC Hills 2 and Jumeirah Golf Estates provide spacious living alongside golf courses and landscaped gardens.
Residential communities in Dubai like Emirates Hills, Jumeirah Golf Estates and Arabian Ranches cater to affluent buyers seeking large detached luxury villas. Leos Developments has developed quality communities in these areas. The site highlights the variety of luxury options across apartments, townhouses and standalone villas.
The December 2023 DLD report analyzes high-end segments. It found prime freehold villas and apartments appreciating 18-23% yearly amid strong demand. The report expects the luxury segment to stay buoyant, given population growth and infrastructure projects.
Dubai continues to attract regional and global elites through world-class infrastructure, lifestyle amenities and tax benefits. Here is a detailed analysis of Dubai real estate market transactions.
| Category | Metric | 2021 | 2022 | 2023 | 2024 |
|---|---|---|---|---|---|
| Overall Market | Sales Volume | 60.8K | 96.4K | 133.1K | 181K |
| Sales Value (AED) | 150.3B | 263.3B | 411.1B | 522.5B | |
| Price per sqft (AED) | 987.62 | 1.2K | 1.4K | 1.5K | |
| Apartments | Volume | 39,486 | 67,276 | 99,409 | 141,438 |
| Sales Value (AED) | 65.6B | 131B | 199.1B | 261.9B | |
| Villas | Volume | 16,144 | 22,339 | 25,559 | 30,987 |
| Sales Value (AED) | 56.3B | 82.4B | 125.2B | 163.7B |
Areas like the Palm, Downtown and Emirates Hills offer acclaimed addresses for the ultra-wealthy to buy luxury property in Dubai. Developments catering to high-net-worth families are stimulating luxury real estate market expansion. Not only this, rental performance is also promising in Dubai real estate.
Types of Installment Plans in Dubai
As you already know, some brief information about the Dubai real estate market and its potential, so it’s time to understand different installment payment plans in Dubai.
Post-Handover Payment Plan
A post-handover payment plan generally starts from pre handover and some parts left for post handover, typically over 3-10 years. The buyer needs to pay a certain percentage (e.g. 10-30%) as a down payment before receiving the property. This payment plan was introduced in 2013. Post-handover plans are ideal for investors who can rent out the property and use rental yields to pay installments.
Even end-users find it convenient to settle in the purchased property before paying the remaining amount. For example, a villa worth AED 5 million can be booked by paying 30% i.e. AED 1.5 million upfront. The remaining 70%, or AED 3.5 million, is cleared through monthly payments over 5 years after receiving the keys.
Payments During Construction
Developers offer installment payments during the construction phase through plans. This enables buyers to own an off-plan property by paying a certain percentage of the value in stages until handover and the balance on receipt of keys. In simple words, it is off-plan property Dubai installments. However, you can often find the plan in the following ratio:
- 10:90
- 20:80
- 40:60
- 50:50
- 60:40
- 70:30
- 25:75
Purchasers can also avail of low-interest mortgages from banks for low-down payment property. For instance, a 2-bed apartment worth AED 1.2 million can have a 50:50 repayment term. So AED 600,000 is paid in stages as the building takes shape and another AED 600,000 upon receiving possession.
Rent-to-Own Plans
As the name suggests, buyers first rent a ready property at marginally higher market rates for an agreed period like 3-5 years. A portion of each rental amount then gets adjusted towards eventual purchase installments.
For example, one may rent a 3 Bed villa in Dubai for 5 years at 5% above prevailing rents. After 60 monthly rent payments, 25% will get counted as purchase installments with the tenant now the asset’s legal owner.
This offers a smoother transition to property ownership without large upfront costs for those lacking cash reserves. Longer lock-in periods also instill commitment from rent-to-buy tenants. This offers a convenient way to own a home in Dubai with installments.
1% Payment Plan
Offered by certain developers under tie-ups with financiers, this entails paying just 1% of the purchase price in monthly installments until fully clearing the amount, taking around 8-10 years. Unlike in a Rent-to-Own situation where one pays rent for some time and then buys the property, in a 1% payment plan , you pay 1% of the total house price per month.
The 1% payment plan makes you buy luxury property in Dubai from day one, paying a monthly amount towards the purchase price, not rent. For an AED 1 million flat, installments of AED 10,000 per month for 100 months deliver ownership. This makes high-value properties very cost-effective.
Advantages of Buying Property on Installments
There are several benefits to owning a home in Dubai with installments. Installment payments make the significant financial commitment of purchasing real estate more affordable and manageable for buyers. Some key advantages include:
- Eases cash flow burden: Installments spread the total cost over several years, reducing the upfront capital required. This makes owning a home in Dubai with installments viable for buyers who cannot pay lump sums.
- Quick property ownership: Buyers can move into their new homes sooner by paying deposits initially rather than saving for total payments. This is useful for those urgently needing housing, like renting a studio apartment in Dubai or a larger unit.
- Hedge against inflation: Property values in Dubai consistently rise with inflation. Paying in low installments allows buyers to invest in appreciation assets even with limited budgets.
- Use rent to repay:Renting out installment-bought properties generates yields that offset monthly payments. Positive cash flow helps repay what’s owed when purchasing investment units or off-plan property Dubai installments.
- Build equity over time: Each installment payment reduces outstanding principal and increases owners’ stake in their homes. Their equity rises as the emirate’s real estate market booms.
- Leverage affordable areas: Installment options give access to developments everywhere from budget 1 Bedroom apartments in Dubai to upscale 2-bedroom apartments in Dubai. This deepens roots in the community.
- Predetermined payments: Installments have set amounts and due dates fixed upfront. This allows budgeting certainty compared to uncertain lump sums.
- Golden visa eligibility: Purchasing certain property values on installments can qualify buyers for the coveted 10-year UAE golden visa, providing long-term Dubai residency. To qualify for a Golden visa, the down payment needs to be Dh200,000 (10 percent of the Dh2 million investment value to be eligible for the Visa), and developers’ installment schemes can take care of the rest.
Legal Aspects and Documentation
Buying property in installments, also known as payment plans, is a popular way for individuals to own a home in Dubai with installments. However, it is essential to understand the legal considerations and documentation involved in such transactions.
There are a few options available for purchasing property through installments in Dubai. Investors can buy off-plan property Dubai installments, meaning the unit is currently under construction. Developers offer flexible payment plans where the buyer pays a percentage upfront and the remaining amount in installments linked to the project construction milestones.
Another option is to buy an apartment in Dubai with Installments that is already built. In this case, the purchase price can be paid in installments over 1-3 years to the current owner of the property.
Regardless of the payment structure, certain legal procedures outlined by the Dubai Land Department (DLD) must be followed for the property on installment transaction to be binding and recognized officially.
One of the first steps is deciding between purchasing an off-plan property or a ready property.
- For off-plan purchases, a Memorandum of Understanding (MoU) is signed between the buyer and developer, outlining the installment schedule aligned with project milestones. As per the Dubai Property Laws, a minimum 10-20% initial payment is required. Subsequent installments are then paid as construction progresses.
- For ready properties, negotiations take place to agree on a suitable installment scheme. A Form F (Memorandum of Understanding) is prepared and signed by both parties in the presence of a witness, as mandated by the Real Estate Law No. 7 of 2006. This MoU forms the basis of the sale contract.
- As installments are paid, the developer or current owner must issue receipt proofs acknowledged by the DLD.
Once full payment is made, the final documentation process is initiated, which includes a NOC from the developer (if off-plan), registration of ownership transfer at the DLD and issuance of the Title Deed under the buyer’s name. - Studio apartment Dubai installments or larger configurations like 1-bedroom apartment Dubai installments or 2-bedroom apartment Dubai installments follow the same legal process.
Associated Charges
| Fee or Tax | Rate in AED |
|---|---|
| Land Registry Tax | 4% of Property Value Plus AED 540 |
| Registration Charges for Properties up to AED 500,000 in Value | 2,000 |
| Registration Charges for Properties Above AED 500,000 in Value | 4,000 |
| Mortgage registration fee | 0.25% of loan + AED 10 fee |
| Mortgage processing fee | Up to 1% of the loan amount |
| Oqood Contract Fee(if purchasing through a developer) | 4% of Property Value |
| Conveyance Fees | 6,000-10,000 |
Legal Paperwork
- Registration forms A and B: Provided by the agent to both parties
- Contract in form F: Signed by both parties
- Certificate of ownership (Title Deed): Provided by the seller)
- Certificate of no objection to the transfer of ownership rights (NOC):
- Original Title Deed
- Original NOC from Developer
- Personal documents
- Emirates ID
Proper legal counsel and expertise are recommended to navigate documentation requirements and ensure all regulatory approvals are secured at each stage of the installment-based purchase. Understanding the property laws as defined by DLD provides buyers with the necessary information and protection for their investment.
Top Areas and Developments for Installment Plans
Several famous developers in Dubai, such as Emaar, Dubai Properties, Damac and Meraas, offer affordable installment plans. Here are some of the top areas and developments for buyers looking to purchase through installments:
La Vue at Nad Al Sheba Gardens
Maaia Developer’s La Vue offers luxury apartments in the serene Nad Al Sheba Gardens area. You can secure your home with a minimal down payment and convenient installments throughout construction. The project features modern design elements and state-of-the-art amenities that promise comfort and luxury. Spacious floor plans cater to individuals, couples, and families seeking contemporary living spaces.
Floarea Skies
Looking for a smart investment? Mashriq Elite’s Floarea Skies presents a 50:50 payment plan where you pay just 10% initially, 40% during construction, and the final 50% upon handover. This mid-rise development features smart apartments with modern interiors and appliances including refrigerators, microwaves, and washing machines. The community offers pools, playgrounds, walking tracks, and fitness facilities right at your doorstep.
IR1DIAN Park 2
Object 1 brings you IR1DIAN Park 2, offering studio, 1 and 2-bedroom apartments with thoughtfully designed spaces. The flexible payment structure makes this development particularly appealing if you’re a first-time buyer or investor. You’ll enjoy functional design with modern finishing that enhances your living standard. The project’s location within the vibrant Jumeirah Village Circle provides easy access to major parts of Dubai.
Beach Walk 4
Imagine waking up to waterfront views every day. Imtiaz Developments’ Beach Walk 4 Residence offers this reality with its luxurious waterfront apartments. The payment plan allows you to escape the chaos of metropolitan living without financial strain. This beachfront development is within walking distance to pristine beaches and close to iconic attractions like Burj Al Arab and Palm Jumeirah.
Nshama Augusta
Seeking a family-friendly community? Nshama’s Augusta project features green-facing apartments near Town Square Park. The residences showcase meticulous attention to detail with modern interior design, built-in wardrobes, and state-of-the-art kitchens. You’ll find amenities for all age groups, from fitness centers to children’s play areas, with shopping and dining options just moments away.
Meraas Atelis
For design enthusiasts, Meraas presents Atelis, a 42-story residential marvel in Dubai Design District. The glass-fronted residences feature floor-to-ceiling windows framing breathtaking Dubai skyline views. Your installment payments secure you a home designed by renowned architects with minimalistic structural design and branded fixtures. The development blends natural materials with contemporary elegance in one of Dubai’s most coveted areas.
Reportage Brabus
Ready for branded waterfront living? Reportage Properties’ Brabus Residences can be yours with just an AED 10,000 expression of interest. This development introduces a new expression of luxury with sleek architecture and elegant interiors. Your home will offer sensational views of the Dubai skyline through floor-to-ceiling windows and spacious balconies. You’ll enjoy concierge services, dedicated parking, and round-the-clock security.
Skyvue Stellar
SOBHA Realty’s Skyvue Stellar builds on the success of their Solair series with premium 1, 2, and 3-bedroom waterfront apartments. Your payment plan here is straightforward and appealing. The community spans 8 million square feet with contemporary architecture blended with lush greenery. A stunning reflective water feature enhances your view, while amenities like private outdoor cinemas, party terraces, and art rooms elevate your lifestyle.
Emaar Park Gate 2
For those seeking more space, Emaar’s Park Gate 2 offers luxurious 4 and 5-bedroom villas at Dubai Hills Estate. Your flexible payment plan includes a low initial down payment followed by convenient installments. These elegant homes feature high-end finishes, private gardens, swimming pools, and outdoor leisure areas. The community includes parks, jogging tracks, cycling paths, and is close to top schools, malls, and entertainment districts.
Tips for A Smooth Buying Process
Purchasing property through installment plans is a popular option for many buyers in Dubai. Whether you’re looking to buy an off-plan property Dubai installment, a studio apartment Dubai installment, or a 2-bedroom apartment Dubai installment, following some key tips will help ensure a smooth process.
Decide on Budget and Location
Figure out your maximum budget and preferred areas. Consider factors like proximity to work, schools, and amenities. Research recent market rates to set realistic expectations.
Visit developments of interest to get a feel for the property and location. Ask about installment payment plans to ensure they fit your budget.
Tips for Finding the Right Developer
- Check the developer’s reputation, portfolio, and project delivery track record. Go for established names to mitigate delivery risks.
- Review contracts carefully for payment schedules and clauses regarding delays or changes. Queries should be clarified upfront.
- Compare estimated total outlay, including installments, handover fees, and other costs. Choose plans with minimum upfront payments
Finance Approval and Down Payment
Get pre-approval for a property purchase plan from your bank before signing contracts. This shows the ability to pay. Have the minimum down payment amount readily available. For high-demand properties, book with a down payment to secure your unit.
Ready Essential Documentation
- Obtain Emirates ID, proof of income, utility bills etc., for Know Your Customer (KYC) compliance checks.
- Execute sale and purchase agreements and post-dated installment cheques as per developer payment plan terms.
- Register property purchase with the Dubai Land Department to safeguard your rights as the legal owner.
Manage Installment Payments on Time
- Set payment reminders to avoid penalties for missed or delayed installments.
- Consider raising early installments to pay off property sooner and reduce overall interest costs.
By following these tips, buyers can ensure a smooth process for buying their dream home in Dubai with easy installment plans. This makes owning a home in Dubai with installments very achievable.
Conclusion
In conclusion, purchasing property through installment plans is an excellent way. It provides an affordable avenue to own your dream home in Dubai through easy installments.
Whether you are looking for a studio apartment Dubai installment, or a 2-bedroom apartment Dubai installment, installment payment plans give buyers the flexibility to manage their payments over time.
