Sobha 20:80 Payment Plan: Pay 20% Now, 80% on Handover
Secure a Sobha home for a fifth of its value today and defer the balance until you collect the keys — with the 4% DLD registration fee waived.
What this looks like on a AED 5M home
Illustrative only. Figures exclude agency, trustee and mortgage-registration costs where applicable.
What qualifies
What actually changes for a buyer
A materially lower entry point
A typical construction-linked plan asks for 40–60% before you ever hold the keys. Collapsing that into 20% upfront changes what you need liquid on day one, and keeps the rest of your capital working elsewhere until completion.
The DLD waiver is real money
Dubai Land Department registration is normally 4% of the purchase price, payable at the point of sale. At the AED 5M eligibility floor that waiver is worth roughly AED 200,000 — and it scales with the value of the home.
Flexibility if your plans change
The 20% NOC on resale for selected units makes it easier to reposition the asset before completion, rather than being locked in until handover.
Understanding the Sobha 20:80 structure
A 20:80 plan is one of the most buyer-friendly structures in off-plan real estate. Instead of spreading payments across a long ladder of construction milestones, it front-loads a single 20% commitment and pushes the remaining balance to completion.
That distinction matters most at the premium end of the market. On a AED 5 million home, a conventional plan can require well over AED 2 million before handover. Under this structure the same purchase opens at AED 1 million, with the 4% DLD fee — normally another AED 200,000 — waived entirely.
It is worth separating this promotion from Sobha's standard lineup. The developer also runs everyday possession-linked plans, including 20:80 and 40:60 structures, on selected advanced-construction projects. What defines this offer is the combination of the deferred structure, the fee waiver and the resale NOC on qualifying units.
Eligible inventory is limited and specific qualifying units depend on live availability, so the practical first step is confirming which homes qualify.
Frequently asked
What exactly is the Sobha 20:80 payment plan?+
You pay 20% of the purchase price upfront — booking plus early instalments, typically within 90 days of reservation — and the remaining 80% only when the property is completed and ready for handover. There are no construction-linked instalments in between.
Which properties qualify for this offer?+
Selected Sobha homes priced from AED 5 million, spanning villas, twin-villas and larger apartments. Qualifying units depend on live inventory, so availability should be confirmed before you commit.
How much is the 4% DLD waiver actually worth?+
The Dubai Land Department charges 4% of the purchase price to register a transfer. On a AED 5 million property that is AED 200,000, and it scales proportionally on higher-value homes. Under this promotion that fee is waived on qualifying units.
Can I resell before handover?+
Selected promotional units include a 20% NOC on resale, which makes it easier to transfer the property before completion. The specific terms depend on the unit and the developer's approval.
Is this the same as Sobha's standard payment plans?+
No. Sobha runs standard possession-linked plans, including 20:80 and 40:60 structures, on selected projects year-round. This is a separate time-limited promotion that pairs the deferred structure with the DLD waiver and resale NOC.
Is the 20:80 plan available on every Sobha property?+
No. It applies to selected units above AED 5 million, subject to availability and developer approval. Send us your budget and we will confirm which homes currently qualify.
Find out which homes qualify
Eligible inventory is limited and moves quickly. Speak to an advisor and get the written terms today.
Terms are set by the developer and apply to selected units only, subject to availability and developer approval. Figures shown are illustrative and do not constitute financial advice or an offer to sell. Confirm all terms in writing before committing. Binayah Properties is a licensed Dubai brokerage.