Sobha 20:80 Offer: Only 20% Before Handover
Ultra luxury from a Tier 1 developer, for a fifth of your own money.
The 20:80 plan is back, across all five Sobha communities
The last time this plan ran, Sobha sold over AED 1 billion of property in two days. This round is open wider still: there is no minimum requirement to buy a 5 million dirham unit.
Sobha's 20:80 payment plan is open again across all five Dubai and Siniya Island communities. Pay just 20% of the price while it's being built and defer the remaining 80% to handover.
Key terms
- Offer windowFour days only, 20 to 23 August 2026.
- CommunitiesAll five: Elwood, Sanctuary, Central, Siniya Island and Downtown Umm Al Quwain.
- Entry priceFrom AED 1.8M for a one bedroom at Sobha Central, though apartments, townhouses and villas across all five projects qualify too.
- Payment structure20% across three instalments (2% booking, 8% within 7 days, 10% within 15 days), 80% on completion.
- IncentivesDLD registration fee waivers of up to 4%, two year service charge waivers, and furniture vouchers on selected communities.
- To secure the termsUnit booked or PR-approved with the 2% booking amount paid inside the offer window.
- To release the benefitsPayment of 10%, the applicable registration fee and execution of the Booking Form.
- Resale and mortgagePermitted at completion, often against a value that has already moved on from what you paid.
- Golden VisaUnits priced above AED 2 million qualify for the property investor visa route.
Choose your community
Why Sobha Realty
A Tier 1 build, held for the long run.
- Tier 1 developer
- Growth corridor
- Rental demand
What actually changes for a buyer
Entry starts at AED 1.8 million
A one bedroom at Sobha Central opens the 20:80 structure at AED 1.8 million, the lowest way into this campaign. The same deferred split then scales all the way up through apartments, townhouses and the Estate villas at Sanctuary.
AED 360,000 secures an AED 1.8M home
Twenty per cent is all that leaves your pocket before handover: AED 360,000 on an AED 1.8 million property, staged as 2% today, 8% within 7 days and 10% within 15 days. The remaining AED 1.44 million is deferred until the unit is ready.
Resell or mortgage at completion
The unit can be resold or mortgaged once it completes, by which point it has had the full construction period to appreciate. Sobha properties have historically gained 20 to 50% in value by handover, depending on unit type.
Waivers worth thousands, on top of the split
Beyond the deferred payment, each project layers its own incentives: DLD registration fee waivers of up to 4%, a two year service charge waiver, and a furniture voucher on Elwood. On the AED 1.8 million entry unit at Sobha Central, the 2% DLD waiver alone is AED 36,000 back in your pocket.
A Tier 1 build, held for the long run.
Tier 1 developer
Sobha designs, builds and delivers in house.
Growth corridor
Positioned in an appreciating district.
Rental demand
Stable yields and a quality tenant profile.
Long term value
Built to hold, not to flip.
Half of it is green.
Your money, staged
Pay 20% of the purchase price across three instalments. The remaining 80% is due only on handover.
Booking amount, paid to reserve the unit.
Second instalment.
Completes the 20%.
The balance, payable when the unit is ready.
What it takes to secure a AED 1.8M one bed at Sobha Central
Figures shown on the AED 1.8M entry price for a one bedroom at Sobha Central.
Inside the communities
What this means for you
Sobha's 20:80 payment plan is open again for four days, from 20 to 23 August 2026. The structure is the same across every participating community (20% across the construction period and 80% on handover), but the incentives layered on top differ by project and, in two cases, by unit type within the same project. We place the booking, handle the paperwork and secure the developer approval on your behalf.
The number that matters most is the entry price: AED 1.8 million for a one bedroom at Sobha Central. That is the cheapest way into the 20:80 structure in this campaign, and it puts a deferred payment Sobha home within reach of buyers who would have assumed this kind of plan was reserved for the villa end of the market. The same 20:80 split then runs right across all five participating projects.
The waivers are worth reading closely. Elwood, the Courtyard and Garden villas at Sanctuary, and one bedroom apartments at Central carry a 2% DLD waiver; the Estate villas at Sanctuary and the two and three bedroom apartments and retail units at Central carry the full 4%. Siniya Island and Downtown Umm Al Quwain go further and waive the registration fee outright. Elwood adds a 2% furniture voucher, and both Sanctuary's Courtyard and Garden villas and Central's one beds add a two year service charge waiver.
The terms are held by action inside the window, not by intent. A unit must be booked or PR approved with the 2% booking amount paid during the offer period, and the benefits are extended on payment of 10% along with the applicable registration fee and execution of the Booking Form. The offer does not apply to cancellations, swaps, upgrades, downgrades or re bookings, so it is worth confirming the exact position on any unit already under discussion.
Frequently asked questions
When does the Sobha 20:80 payment plan close?+
Sunday 23 August 2026. To hold the terms, the unit has to be booked or PR approved with the 2% booking amount paid before then. Talk to us early: we place the booking, handle the Booking Form and the developer approval, and represent you through to handover.
What is the cheapest unit on the 20:80 plan?+
AED 1.8 million, for a one bedroom apartment at Sobha Central. That is the entry point for the campaign; the same 20:80 structure then runs up through apartments, townhouses and villas across the other four projects.
Which unit types qualify?+
Apartments, townhouses, retail units and villas. Sobha Central covers one, two and three bedroom apartments plus retail; Sanctuary covers Courtyard, Garden and Estate villas; Elwood, Siniya Island and Downtown Umm Al Quwain each carry their own inventory. Message us on WhatsApp and we will send you the current list.
Can I resell or mortgage before I pay the 80%?+
The unit can be resold or mortgaged at completion, once the construction period has run. Sobha properties have historically appreciated 20 to 50% by handover depending on unit type, so the deferred balance is often settled against a higher valuation than the purchase price.
How much of the DLD fee is waived?+
It depends on the project and the unit type. Sobha Elwood, the Courtyard and Garden villas at Sanctuary, and one bedroom apartments at Central carry a 2% DLD waiver. The Estate villas at Sanctuary and the two and three bedroom apartments and retail at Central carry 4%. Sobha Siniya Island and Downtown Umm Al Quwain waive the registration fee in full.
What do I have to pay to lock the offer in?+
A 2% booking amount during the offer period, with the unit booked or PR approved. The benefits are then extended on payment of 10% plus the applicable registration fee and execution of the Booking Form.
Which projects are included?+
Five: Sobha Elwood, Sobha Sanctuary (Courtyard and Garden villas, and Estate villas), Sobha Central (one bedroom apartments, and two and three bedroom apartments plus retail), Sobha Siniya Island, and Downtown Umm Al Quwain.
Can I apply this to a unit I have already booked?+
No. The offer does not apply to cancellations, swaps, upgrades, downgrades or re bookings. If you already have a unit under discussion, message us on WhatsApp and we will confirm exactly where it stands.
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 Sobha Realty and apply to selected units and projects only, subject to availability and developer approval. Waivers and vouchers vary by project and unit type as set out above. Figures shown are illustrative and do not constitute financial advice or an offer to sell. The offer does not apply to cancellations, swaps, upgrades, downgrades or re bookings. Confirm all terms in writing before committing. Binayah Properties is a licensed Dubai brokerage.