Samana 2% Down Payment: Oqood Registered From Your First Payment
Book from 2%, pay 1% or 2% a month, and your name goes on the Dubai Land Department register at the start of the plan rather than a quarter of the way through it.
Two plans, and both put you on the register on day one
In a standard off-plan purchase you pay 20% to 30% of the price before the unit is registered with the Dubai Land Department. Under both Samana plans, Oqood registration completes once your first payment is made.
Samana publishes two structures across its inventory. One books at 5% and runs 1% a month for eighty months, with three 5% milestone payments at months 6, 12 and 18. The other books at 2% and runs 2% a month for fifty months. Neither is a zero down payment plan, and Samana says so plainly: both take a payment at booking. On the fifty-month plan that 2% is simply the first of the fifty instalments rather than a deposit sitting on top of the schedule.
The registration timing is the part worth reading twice. Ownership recorded at the start of the term, rather than a fifth of the way through it, is what makes an early resale practical and what gives an overseas buyer a documented position from the first transfer.
Key terms
- The two plansBook at 5% and pay 1% a month for 80 months, with 5% milestones at months 6, 12 and 18. Or book at 2% and pay 2% a month for 50 months.
- Is it zero down?No. Both plans take a payment at booking. On the 50-month plan the 2% is the first instalment rather than a deposit on top of the schedule.
- When you are registeredOqood registration completes once the first payment is made, instead of at the 20% to 30% mark a standard off-plan purchase waits for.
- What sits outside the planDLD registration, Oqood and administration charges are payable separately.
- Other structuresSamana also publishes a 30/70 plan, 15% down and 30% before handover, and a 40/60 plan, 40% during construction and 60% after handover.
- Where it appliesAcross the Samana portfolio: Arjan, JVC, Majan, Dubailand, Al Furjan, Meydan, Dubai South, Al Warsan and Dubai Islands.
- Entry priceFrom AED 943,333 at Samana Barari Heights. Imperial Garden opens at AED 980,000 and Boulevard Heights at AED 1,303,333.
- International buyersEligible freehold off-plan property is open to overseas buyers, subject to project terms and compliance checks.
Choose your community
Why Samana Developers
Why the registration timing is the part that matters.
- Ownership recorded at the start
- An exit before handover
- Monthly, not lump sum
What actually changes for a buyer
Registered before you have paid a fifth
The usual off-plan sequence asks for 20% to 30% of the price before the Dubai Land Department has you on record. Samana completes Oqood registration on the first payment, so the documented position arrives at the start of the plan rather than partway through the build.
A booking payment that is also instalment one
On the fifty-month plan the 2% at booking is the first of fifty equal payments, not a deposit charged on top of them. That is a different thing from a deposit, and it is the reason the entry number is as low as it is.
Two shapes for the same hundred percent
Eighty months at 1% with three milestones, or fifty months at 2% flat. Both total the full price and neither leaves a lump sum at the end, so the choice is about the size of the monthly figure, not about what the property costs.
A private pool at the entry price
The private pool in the apartment is Samana's signature, not an upgrade reserved for the large units. At Barari Heights it starts inside a sub-AED 1M studio, which is where the rental argument for these buildings begins.
Why the registration timing is the part that matters.
Ownership recorded at the start
Oqood from the first payment, not at the 20% to 30% mark.
An exit before handover
A recorded position is what makes selling on during construction practical.
Monthly, not lump sum
1% or 2% a month is a figure you can plan a salary around.
Entry under AED 1M
A studio at Barari Heights, private pool included.
The developer behind the plan, and what comes with the apartment.
Your money, staged
The eighty-month plan in full. There is no balloon at the end: 5% at booking, three 5% milestones and eighty monthly instalments add up to the whole price.
The sale and purchase agreement is issued and registered with the DLD, which generates your Oqood.
First milestone payment.
Second milestone payment.
Third and last milestone.
One percent a month across eighty months, which closes the balance.
Both plans on a AED 943,333 studio
Illustrative, based on the published starting price at Samana Barari Heights; figures are rounded. The 5% plan carries three further 5% milestones at months 6, 12 and 18. DLD registration at 4%, roughly AED 37,733, plus Oqood and administration charges, is payable separately. Prices and availability change, so confirm the schedule for your own unit in writing.
Inside the communities
What this means for you
Samana Developers runs two payment structures across its Dubai inventory, and the interesting part is not the size of the monthly instalment. It is when the Dubai Land Department records you as the owner. In a conventional off-plan purchase that happens once you have paid 20% to 30% of the price. Under both Samana plans, Oqood registration completes on the first payment.
The plans themselves are straightforward. Book at 5% and you pay 1% a month for eighty months, with three 5% milestones at months 6, 12 and 18; the four blocks add up to the whole price with nothing left at the end. Book at 2% and you pay 2% a month for fifty months, where the booking payment is the first of the fifty rather than an extra charge before them. Samana is explicit that neither is a zero down payment plan, which is a more honest framing than the market usually offers.
Entry sits below AED 1M. Samana Barari Heights in Majan opens at AED 943,333, Imperial Garden in Arjan at AED 980,000 and Boulevard Heights at AED 1,303,333, with the Dubai Islands towers running from AED 2.89M at Ocean Bay to AED 4.28M at Ocean Pearl 2. The private pool in the apartment is the through line across all of them, and at Barari Heights it appears inside a studio rather than being held back for the larger layouts.
Two other structures sit alongside these. The 30/70 plan takes 15% down and a total of 30% before handover, leaving 70% at completion. The 40/60 plan takes 40% during construction and defers 60% until after you have moved in, which is the one to read if the plan is to let the rent service part of the price. DLD, Oqood and administration charges are separate under all of them, and prices and availability change often enough that the schedule for a specific unit should be confirmed in writing before anything is committed.
Frequently asked questions
Is this a zero down payment plan?+
No, and Samana does not present it as one. Both plans take a payment at booking: 2% on the fifty-month plan and 5% on the eighty-month plan. On the fifty-month plan the 2% is the first of the fifty instalments rather than a deposit paid on top of the schedule.
Which plan costs less in total?+
Neither. Both add up to 100% of the purchase price. What changes is the timing and the size of the monthly payment, not the amount.
What is Oqood and why does it matter here?+
Oqood is the pre-title deed that records your ownership of an off-plan unit while the building is still under construction. It is generated when the sale and purchase agreement is registered with the Dubai Land Department. Under both Samana plans that registration happens on your first payment, rather than after you have paid 20% to 30%.
Can international buyers use these plans?+
Yes. Eligible freehold off-plan property is available to overseas buyers, subject to project terms and the usual compliance checks.
Which projects do the plans apply to?+
Samana applies them across its Dubai portfolio, including Arjan, JVC, Majan, Dubailand, Al Furjan, Meydan, Dubai South, Al Warsan and Dubai Islands. Individual towers carry their own bespoke schedules as well, so the plan on a specific unit is worth confirming.
What is the cheapest way in?+
Samana Barari Heights in Majan opens at AED 943,333. Imperial Garden in Arjan starts at AED 980,000 and Boulevard Heights at AED 1,303,333.
Are the DLD fees included?+
No. DLD registration, Oqood and administration charges are payable separately and are not covered by either plan.
What are the 30/70 and 40/60 plans?+
Two further structures Samana publishes. The 30/70 plan takes 15% down and 30% in total before handover, with the remaining 70% at handover. The 40/60 plan takes 40% during construction and leaves 60% until after you have moved in.
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 Samana Developers and apply to eligible units, subject to availability and to each project's own terms and conditions. Payment structures, starting prices and unit availability change; the figures here reflect what the developer published at the time of writing. DLD registration, Oqood and administration charges are payable separately and are not covered by either plan. Handover dates are developer estimates and can move. Worked figures are illustrative and are not financial advice or an offer to sell. Confirm eligibility, price and the full payment schedule in writing, including the schedule recorded in the sale and purchase agreement, before committing. Binayah Properties is a licensed Dubai real estate brokerage.