Payment Plan

A payment plan splits the purchase price into instalments tied to a calendar or to construction milestones, rather than requiring full payment at signing. Plans are usually described as a ratio — e.g. '60/40' means 60% paid during construction and 40% at or after handover; '10/90' means a small upfront deposit with the bulk due on completion or in a post-handover plan.

• —A more buyer-favourable ratio (lower percentage during construction) reduces capital at risk before the unit exists.
• —Post-handover payment plans (where part of the balance is paid after keys are handed over) are increasingly common in Dubai new launches and effectively act as interest-free developer financing.
• —Malaysia's progressive billing structure is legally mandated and tied to verified construction stages, not calendar dates — a stronger buyer protection than calendar-based plans.

Use the Mortgage Calculator to model any plan against your budget.