Emaar Payment Plans: 90/10, 80/20 and 25/75
Pay up to 90% while it builds and the rest on completion, or move in now at Emaar South and spread 75% across three years after handover.
Four plans, depending on what you are buying
The Emaar South plan is the outlier: it is a ready-to-move home where 75% of the price is spread across three years after you have the keys. Emaar rarely defers that much, that long.
Emaar is running several structures at once rather than a single campaign. Which one you get depends on the community. Off-plan financing is built into the process through Emirates NBD and ADCB, and UAE Nationals buying at Dubai Hills Estate have a separate plan of equal 2.5% monthly instalments.
Key terms
- 90/10Seapoint at Emaar Beachfront, Emaar Beachfront and Alana at The Valley: 90% during construction, 10% on 100% construction completion.
- 80/20The Cove, Park Horizon, Seascape and Fairway Villas: 80% during construction, 20% on 100% construction completion.
- 25/75Emaar South, ready to move in: 25% up front and 75% spread over a three year post-handover plan.
- UAE NationalsA separate plan at Dubai Hills Estate paid in equal 2.5% monthly instalments, for a limited period.
- MortgagesOff-plan financing is arranged within the purchase through Emirates NBD and ADCB.
- Entry priceFrom AED 1.3M at The Cove, Dubai Creek Harbour.
- Golden VisaUnits above AED 2 million qualify for the property investor visa route.
- AvailabilityPlans are tied to specific releases and change between phases. Confirm the plan attached to your unit before committing.
Choose your community
Why Emaar Properties
The developer the market prices off.
- Deep resale market
- Delivered at scale
- Financing built in
What actually changes for a buyer
Only 10% left at completion
On Seapoint, Emaar Beachfront and Alana the plan defers just a tenth of the price to handover. That suits a buyer who wants the payment behind them and the asset clean by the time keys are issued.
Or 75% after you move in
Emaar South runs the opposite structure on ready homes: pay a quarter, take the keys, and spread the remaining three quarters across three years. You can occupy or let the property while the balance is still running.
Financing inside the purchase
Emirates NBD and ADCB off-plan mortgages are arranged as part of the buying process rather than as a separate hunt afterwards, which shortens the gap between reservation and funding.
A flat plan for UAE Nationals
At Dubai Hills Estate, Emirati buyers pay in equal 2.5% monthly instalments for a limited period, so the schedule is a fixed monthly figure rather than milestone-linked lumps.
The developer the market prices off.
Deep resale market
Emaar stock is the most liquid in Dubai.
Delivered at scale
Downtown, Dubai Hills, Creek Harbour, Beachfront.
Financing built in
Emirates NBD and ADCB inside the purchase.
Golden Visa route
Units above AED 2 million qualify for the investor visa.
Master-planned, and finished.
Your money, staged
The 80/20 shown here is the most common structure. Seapoint, Emaar Beachfront and Alana defer only 10% instead of 20%, and Emaar South inverts the whole thing: 25% now, 75% after you move in.
Paid across the build period on the milestone schedule.
The balance falls due when construction is complete.
What 80/20 looks like on an AED 1,300,000 apartment
Illustrative, on the entry price at The Cove. The DLD fee is not waived under these plans. Exact figures depend on the unit, the release and the schedule recorded in the signed SPA.
Inside the communities
What this means for you
Emaar is not running one campaign. It is running four structures at once, and which one applies depends entirely on the community you buy in. The most common is 80/20: eighty per cent across the construction period and the remaining twenty on 100% construction completion. That covers The Cove at Dubai Creek Harbour, Park Horizon at Dubai Hills Estate, Seascape at Rashid Yachts & Marina and Fairway Villas at Emaar South.
Three communities go further and defer only a tenth. Seapoint at Emaar Beachfront, Emaar Beachfront itself and Alana at The Valley run 90/10, so ninety per cent is paid while the building goes up and the last ten per cent falls due at completion. That is a heavier construction-period commitment in exchange for a clean position at handover.
The outlier is Emaar South. It is the only one of the set on ready-to-move stock, and it inverts the structure completely: twenty-five per cent up front, then seventy-five per cent spread across three years after you have taken the keys. A three-year post-handover tail is unusual for Emaar, and it means the property can be occupied or let while most of the price is still outstanding.
Two things sit underneath all of it. Off-plan financing is arranged within the purchase through Emirates NBD and ADCB rather than left to the buyer afterwards, and UAE Nationals buying at Dubai Hills Estate have their own plan of equal 2.5% monthly instalments for a limited period. We place the booking, confirm which plan is attached to your unit and handle the paperwork.
Frequently asked questions
Which Emaar communities are on the 90/10 plan?+
Seapoint at Emaar Beachfront, Emaar Beachfront and Alana at The Valley. You pay 90% across the construction period and the remaining 10% on 100% construction completion.
Which are on 80/20?+
The Cove, Park Horizon, Seascape and Fairway Villas. 80% during construction, 20% on 100% construction completion.
What is different about Emaar South?+
It is a ready-to-move-in plan rather than an off-plan one: 25% up front and 75% spread across a three year post-handover schedule. Emaar rarely defers that much for that long.
Is there a plan for UAE Nationals?+
Yes. Emaar is running a separate plan at Dubai Hills Estate for Emirati buyers, paid in equal 2.5% monthly instalments, for a limited period.
Can I get a mortgage on an off-plan Emaar unit?+
Emaar has off-plan financing built into the buying process through Emirates NBD and ADCB, so the mortgage is arranged alongside the reservation rather than separately afterwards.
Is the DLD fee waived?+
No. These are payment structures rather than fee waivers, so the 4% Dubai Land Department registration fee is payable in the normal way.
Do these plans have an end date?+
Emaar has not published one. The plans are attached to specific releases and change between phases, so the plan on your unit should be confirmed in writing before you commit.
What is the lowest entry price?+
AED 1.3 million at The Cove, Dubai Creek Harbour, at the time of writing. Pricing moves between releases.
Find out which homes qualify
Eligible inventory is limited and moves quickly. Speak to an advisor and get the written terms today.
Payment plans are set by Emaar Properties and are attached to specific releases and unit types, subject to availability and developer approval. Plans change between phases and the structure quoted here may not apply to the unit you are shown. Figures are illustrative and do not constitute financial advice or an offer to sell. The 4% Dubai Land Department registration fee is not waived under these plans. Confirm the plan, the schedule and all terms in writing, including the schedule recorded in the SPA, before committing. Binayah Properties is a licensed Dubai brokerage.