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Post Handover Payment Plan in Dubai Real Estate


The process of buying a property in Dubai has evolved, and post handover payment plan have emerged as a popular method, offering flexibility to buyers. In this comprehensive guide, we’ll delve into the intricacies of post-handover payment plans, exploring their workings, advantages, disadvantages, and how we can help you.

What is a Post Handover Payment Plan?

It is a unique payment schedule that enables buyers to make payments in installments after taking possession of the property. Typically associated with off-plan properties, this plan involves a down payment upon contract signing, with the remaining amount paid over one to five years after property handover.

How Does It Work?

Buyers choosing this plan can opt for full upfront payment or a plan tailored to their budget. The down payment is a percentage of the property value, with the remaining sum paid in installments post-handover. For example, if a property is valued at AED 1 million, a buyer might pay AED 200,000 upfront and the remaining AED 800,000 over five years.

Advantages of a Post-Handover Payment Plan

  • Flexibility: Tailor the payment plan to match your budget and financial situation.
  • Lower Initial Investment: Make property ownership more accessible with a reasonable down payment.
  • Peace of Mind: Occupy and use the property while making convenient installment payments.
  • Attractive Pricing: Developers may offer competitive prices to attract buyers opting for this plan.

Disadvantages of a Post-Handover Payment Plan

  • Higher Overall Cost: The extended payment period may lead to a higher overall property cost.
  • Longer Payment Period: Buyers commit to paying for an extended period, which may not suit everyone.
  • Risk of Delayed Payments: Potential penalties and extra charges if buyers miss or delay installments.

How We Can Help

For those navigating mortgage schemes in the UAE, we offer expertise in exploring payment scenarios that align with financial needs. Utilize the mortgage calculator on our website to estimate your payment schedule and rental profit. Our team is ready to guide you through the entire process, ensuring a seamless experience.

In conclusion, a post-handover payment plan is a valuable option in Dubai’s real estate landscape, offering both advantages and disadvantages. Understanding the intricacies and seeking professional assistance can empower buyers in making informed decisions.


  1. What is a post handover payment plan?
    • A plan allowing buyers to make property payments in installments after taking possession.
  2. How does the payment schedule work?
    • Buyers pay a down payment upon signing and the remaining amount in installments post-handover.
  3. What are the advantages of choosing this payment plan?
    • Flexibility, lower initial investment, peace of mind, and potentially attractive pricing.
  4. Are there risks associated with delayed payments?
    • Yes, there is a risk of penalties and extra charges for delayed or missed installments.

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