How to Buy Property in Dubai with Installment Plans: A Complete Guide (2025)

Dubai’s real estate market continues to attract global investors and homebuyers with its luxurious lifestyle, strong infrastructure, and investor-friendly policies. One of the most popular ways to enter the market is by purchasing off-plan properties with installment plans—making property ownership in Dubai more accessible than ever before.

Whether you’re a resident or an international investor, this guide will walk you through the entire process of buying property in Dubai with flexible payment plans, step by step.

Why Choose Off-Plan Properties in Dubai?

Off-plan properties are units sold by developers before construction is completed. These properties often come at pre-launch prices with attractive installment payment plans, making them ideal for both investment and end-use.

Key Benefits:

• Lower Entry Prices: Usually 10–20% cheaper than ready properties.

• Flexible Payment Plans: Pay in stages over several years.

• High ROI Potential: Early investors can enjoy property appreciation upon completion.

• Low Initial Investment: Many developers require as little as a 10% down payment to reserve a unit.

Step-by-Step Guide: How to Buy Property in Dubai with Installments

1. Research the Market & Choose the Right Project

Start by exploring off-plan projects in Dubai's top areas:

• Downtown Dubai – Luxury living near Burj Khalifa and Dubai Mall

• Dubai Marina – Waterfront properties with strong rental demand

• Business Bay – Central business district with mixed-use developments

• Jumeirah Village Circle (JVC) – Affordable and family-friendly options

Look for reputable developers and RERA-registered projects to ensure your investment is secure.

2. Understand Available Payment Plans

Most developers offer one of the following installment structures:

• Construction-Linked Plans – Payments are tied to project milestones.

• Post-Handover Plans – A large portion (often up to 50%) is paid after handover over 3–5 years.

• 0% Interest Plans – Some developers offer interest-free payment schedules.

Example Payment Plan:

• 10% Booking/Down Payment

• 40% During Construction (over 2–3 years)

• 50% Post-Handover (over 3–5 years)

3. Reserve the Property & Sign the Agreement

Once you've selected your property:

• Pay the booking amount/down payment

• Sign the Sales and Purchase Agreement (SPA)

• Receive the Oqood Certificate from the Dubai Land Department (DLD), registering your ownership

This legal document protects your rights and confirms your unit’s allocation.

4. Arrange Financing (If Required)

For additional funds, you can apply for a mortgage in Dubai. Here's what you should know:

• UAE Residents: Up to 80% mortgage

• Non-Residents: Generally eligible for up to 50% financing

• Many banks, such as Emirates NBD, Mashreq, and ADCB, offer mortgages for off-plan properties, subject to eligibility.

5. Make Timely Installments

Stick to the agreed schedule. Late payments can lead to penalties or project cancellation. Consider setting up automated payments or bank reminders to stay on track.

6. Final Handover & Title Deed

After construction is complete:

• The developer inspects and hands over the unit

• You complete any remaining payments

• The Dubai Land Department issues a Title Deed, making you the legal owner

Top Developers Offering Installment Plans in Dubai

When buying off-plan property, choosing a reliable developer is crucial. Here are some of the most trusted names:

Developer                                                  Notable Projects

Emaar Properties                                  Burj Khalifa, Dubai Creek Harbour
Damac Properties                                 Damac Hills, Safa One, Business Bay
Nakheel                                                Palm Jumeirah, JVC, Deira Islands
Sobha Realty                                        Sobha Hartland, MBR City
Dubai Properties                                  JBR, Mudon, Dubai Land

These developers are RERA-approved, known for timely delivery and high-quality standards.

Final Thoughts

Buying property in Dubai with installment plans—especially through off-plan projects—offers an affordable and smart entry into one of the world’s fastest-growing real estate markets. With low upfront investment, custom payment options, and potentially high returns, it’s an excellent strategy for both new and seasoned investors.

Whether you’re buying to live or invest, understanding the process ensures you make safe, profitable decisions.