Payment plan calculator

Tool · Dubai off-plan

"60/40" means little to a client; a schedule in dirhams does. Enter the price and the plan as the developer prints it, read the instalments, and copy the schedule as one message.

Unit price, AED Booking, % of the price During construction, % of the price Number of construction instalments On handover, % of the price Post-handover months (for what is left after handover)

DLD registration fee, 4% Buyer pays at booking Waived by the developer

Result

Booking	—
DLD registration, 4%	—
Construction instalments	—
On handover	—
After handover	—
Total paid	—

Post-handover share = 100% minus booking, construction and handover. Instalments are spread evenly; developers often link them to construction milestones, so dates come from the sales offer. The 4% is paid at Oqood registration; a waiver is a promotion with an end date.

How to read a developer's plan

Booking (also 'down payment'): paid with the reservation form, usually 5–20%. The 4% DLD registration is normally due at the same time, unless the developer waives it for the launch.
During construction: instalments linked to dates or to construction milestones. The brochure gives the percentages; the sales offer gives the dates.
On handover: the share due when the keys are handed over, often the largest single payment on a 60/40 plan.
Post-handover: in an 80/20 or 50/50 post-handover plan, what remains is paid monthly or quarterly after the keys, typically over one to five years.

What the schedule leaves out

The Oqood admin fee, the developer's registration or admin charges, service charges from handover, and any interest or price difference between plans. If the developer offers a cash price and a plan price, calculate both and show the difference. How to read an off-plan brochure explains where to find each figure.

In the workspace

Brokbase reads the payment plan from the brochure into the property card as a schedule, with the page it came from, and the assistant answers a client's question about a specific unit with the card and the PDF. This page is the same arithmetic for anyone, without an account.

Questions people ask

The shares add up to more than 100%. What happens?

The calculator says so and shows no schedule. Reduce one share; the post-handover part is whatever is left after booking, construction and handover.

Is the payment plan negotiable?

Sometimes, at launch or for several units. The brochure shows the standard plan; anything else goes in the reservation form.

Does the DLD fee count towards the price?

No. It is a registration fee paid on top, normally at booking through the developer. A 'DLD waiver' means the developer covers it, usually for a limited period.