Top 8 Off-Plan Projects in Dubai with Post-Handover Payment Plans

Considering property ownership in Dubai but prefer not to pay cash on the spot? Post-handover payment plans are simplifying property acquisition in Dubai. These financial offers allow buyers to purchase premium properties, with payments spread over a later stage. This blog explains the top off-plan projects in Dubai with the post-handover payment plan.

What is a Post-Handover Payment Plan in Dubai?

A Post-Handover Payment Plan in Dubai is a specific type of payment structure for a property purchase. It allows the buyer to pay a predetermined portion of the property price after the property has been handed over, meaning the buyer has received possession and keys to the property. This arrangement differs from traditional plans, where the full payment is completed either upfront or by the time of handover.

Benefits of Post-Handover Payment Plans

Post-Handover Payment Plans (PHPPs) offer various benefits to home purchasers and investors, from lower initial cost to a more flexible payment arrangement. The main advantages of the post-handover payment schedule are:

• The post-handover payment plan offers extended payment duration, often 1 to 8 years after handover. This provides buyers with flexibility to manage financial commitments over time and reduces their financial burden.
• Similar to a rent-to-own model, end-users move in immediately upon completion while continuing to pay over time. This is useful for those wanting to own a home without upfront finance. For investors, PHPPs allow income generation from day one.
• Opting for a post-handover payment plan reduces the capital needed at the time of purchase. Instead of paying the full property price before handover or securing a mortgage, a buyer needs to pay only 10% to 30% upfront. The remaining amount is then staggered in instalments during construction and after handover. This eases financial pressure on savings or removes unnecessary debt.

Top Dubai Projects Offering Post-Handover Payment Plans

Consider these Dubai developer post-handover offers when looking for such properties:

Mangrove Residences

Mangrove Residences is located in Expo City, consists of three tower clusters with apartments and townhouses. With a 50% post-handover payment plan, it is a desirable project in Dubai. Each residential unit shows attention to aesthetics, elegance, and architecture. The project has natural wadis, lakes, and greenery around it, which makes it an eco-friendly location. It is also close to amenities and provides a community-focused way of life.

• Location: Expo City
• Developer: Expo Dubai Group
• Payment Plan (45/5/50): 10% down payment at sales launch, 35% during construction, 5% on handover, 50% post-handover.
• Delivery Date: March 2026
• Property Type: 1 to 3 Bedroom Apartments
• Property Size: 969 to 4,084 sq. ft.

Ayamore Residence

Ayamore Residence is a 12-storey residential building under development on Dubai Islands, Dubai. Its design incorporates full-height windows with sea views and allows natural light. Large balconies with glass railings also enhance outdoor living.

The project offers various communal facilities like luxury lobbies and 24/7 security. Residents also benefit from direct access to a boardwalk and beach. Amenities include a children's playground, a swimming pool, a gym, an infinity pool, landscaped gardens, a multi-purpose outdoor area, an outdoor cinema, an outdoor gym and fitness station, a pet wash area, a table tennis area, and a yoga deck.

• Location: Dubai Islands
• Developer: Ayat Real Estate Development
• Payment Plan (40/60): 10% on booking, 10% after a month, 20% over the following 12 months (5% every 5 months), and 40% on handover. 
• Delivery Date: Q1 2027
• Property Type: 1 to 3 Bedroom Apartments
• Property Size: 750 to 1,500 sq. ft.

Enaya Residences

Enaya Residences is a six-storey residential building under development in JVT District 3, Jumeirah Village Triangle. Deviate Real Estate Development undertakes the project, with Nakheel as the master developer. Amenities include a badminton court, a baja shelf, barbecue facilities, a gymnasium, a kids' play area, sun loungers, and a swimming pool. The apartments are designed to provide skyline views and feature modern kitchens, master bedrooms, and balconies.

• Location: JVT District 3, Jumeirah Village Triangle
• Developer: Deviate Real Estate Development
• Handover: Q1 2026
• Payment Plan: 5% on booking, 45% during construction. 10% on completion, the remaining 40% post completion.
• Property Type: 1 to 2-bedroom apartments
• Property Size: 694.7 to 1,373.91 sq. ft.

Sky Residences

For a sustainable lifestyle in Dubai, consider Sky Residences in Expo City. The project features 419 furnished residential units that combine comfort, luxury, and sustainability. The development is notable for its prime location with easy access to dining, retail, and leisure areas. It is also near Al Maktoum International Airport and Dubai International Airport.

• Location: Expo City
• Developer: Expo Dubai Group
• Payment Plan (45/5/50): 10% down payment at sales launch, 35% during construction, 5% on handover, 50% post-handover.
• Delivery Date: December 2026
• Property Type: 1 to 3 Bedroom Apartments
• Property Size: 931 to 2,186 sq. ft

Samana Ocean Pearl 2

Samana Ocean Pearl 2 is a premier residential development by Samana Developer. This project offers high-end one, two, and three-bedroom apartments. It reflects Dubai’s focus on luxury and modern real estate. An architectural highlight, it promises residents exceptional living experiences within the city's known opulence. Residents at Samana Ocean Pearl 2 will find a notable lifestyle with world-class amenities designed for their comfort. High-quality materials and finishes create a sophisticated living space. These include modern appliances, hardwood floors, and marble countertops. 

• Location: Dubai Island
• Developer: Samana Developers
• Payment Plan (67/1/32): 20% booking, 20% during construction, 60% post-handover..
• Delivery Date: Q1 2027
• Property Type: 1 to 3 Bedroom Apartments
• Property Size: 873.6 to 1,977.44 sq. ft.

One by Nine

One by Nine is a prime choice for those seeking minimalism and enduring architecture. The project is near Ras Al Khor Road and Al Ain Road, connecting it to other city areas. Residents also have access to key destinations such as Dubai Mall and Burj Khalifa. Residential units feature smart home technology and climate control systems. Purchasers can acquire a property with a 10% down payment and a 40% post-handover payment plan.

• Location: Nad Al Sheba
• Developer: Nine Developments
• Payment Plan (50/10/40): 10% down payment at sales launch, 40% during construction, 10% on handover, 40% post-handover.
• Delivery Date: January 2026
• Property Type: 1 to 2-bedroom apartments
• Property Size: 560 to 1,777 sq. ft.

Address Residences (The Bay)

Address Beachfront is an upscale residential development located in Emaar Beachfront. It offers luxury, exclusivity, and stunning views for residents and investors. The development offers apartments with one to four bedrooms, with elegant interiors, smart home technology, and private balconies overlooking the sea and Dubai Marina. Residents will have access to premium amenities like an infinity pool, a private beach, and various dining options. For investors, Address Beachfront is a valuable property.

• Location: Dubai Harbour
• Handover: December 2026
• Payment Plan: Investor-friendly payment plans include staggered payments and post-handover options (10/70/20).
• Property Type: 1 to 3 Bedroom Apartments and 3 to 4 Bedroom Penthouses
• Property Size: 1,383 to 7,038 sq. ft.

AG Ark Tower

AG Ark Tower is a 15-storey residential building by AG Properties, located at DLRC. The building features sleek, modern living with luxury. Developed by AGP Ark Real Estate Development, it has an innovative master plan promoting convenient and comfortable living. The residential units feature luxurious interiors. Each apartment includes high-end finishes throughout.

• Location: Dubailand
• Developer: AG Properties
• Delivery Date: Q3 2027
• Payment Plan: 15% on booking, 45% down payment, 4% on Handover, 32% post-handover.
• Property Type: 1 to 3 bedroom apartments
• Property Size: 584 to 1,426 sq. ft.

Considerations Before Choosing a Post-Handover Plan

Before selecting a post-handover payment plan in Dubai, consider these important factors to ensure a good deal:

• Look at the number of years after the handover and the payments you might make monthly or quarterly. All payments should fit with your financial plans, either using your earnings or rental earnings. Make sure to review any late fees or interest charges.
• Check the developer’s history to find out if it has a good track record and is good at keeping everyone informed about the progress on projects. When handover takes longer than expected, investors who look to rental income to cover their future priorities may face delays.
• Make sure the expected rent will be enough to support post-handover expenses. Review historical financial information for the area and set aside funds in case rents are lower than expected.

Conclusion

Post-handover payment plans represent a significant development in Dubai's real estate market. They offer an attractive choice for both end-users and investors. These plans provide financial flexibility and simplify property ownership in this city. You'll continue to pay for the property in smaller amounts even after you've moved in, which means you don't need to put down as much money at the start. This arrangement enables immediate occupancy or rental income generation. Buyers should carefully consider factors such as payment duration, developer standing, and potential rental yields to make an informed decision. As Dubai continues its expansion, these plans show the market's adaptability. This ensures a more accessible and rewarding investment experience for a range of buyers.

Ready to explore post-handover opportunities in Dubai's market? Contact us for expert assistance in securing your desired property.

Related blog: Property Handover Checklist for Buyers in Dubai to Avoid