Post-Handover Payment Plans in Dubai
Pay up to 50% of your property price after receiving the keys. Ideal for investors seeking rental income while paying off their investment.
What is a Post-Handover Payment Plan?
A post-handover payment plan is a flexible financing option offered by Dubai developers where buyers continue making payments after receiving their property keys. Unlike traditional payment plans where 100% is paid by handover, post-handover plans typically require only 50-80% during construction, with the remaining balance spread over 1-5 years after you move in or start renting.
This structure is particularly attractive for investors as rental income can offset monthly payments, effectively allowing the property to "pay for itself" over time.
Payment Plan Comparison
| Plan Type | During Construction | On Handover | Post-Handover | Best For |
|---|---|---|---|---|
| 60/40 Plan | 60% | 40% | 0% | Cash-rich buyers, lower overall cost |
| 80/20 Plan | 80% | 20% | 0% | Buyers wanting minimal handover payment |
| Post-Handover Plan | 50-60% | 10-20% | 20-40% | Investors seeking rental income to offset payments |
60/40 Plan
Pros
- Lower total price
- Quick ownership
- No post-handover obligations
Cons
- Higher upfront commitment
- Tied up capital during construction
80/20 Plan
Pros
- Low handover payment
- Good for mortgage buyers
- Faster full ownership
Cons
- Higher construction payments
- More capital tied up early
Post-Handover Plan
Pros
- Lower upfront costs
- Rental income covers payments
- Flexible financing
Cons
- May have slight price premium
- Long-term payment commitment
The Residences at Marina Gate
Emaar • Dubai Marina
From 1,850,000 AED
Beach Vista Tower
Emaar • Emaar Beachfront
From 2,400,000 AED
Downtown Views II
Emaar • Downtown Dubai
From 1,200,000 AED
Sobha Hartland II
Sobha • Mohammed Bin Rashid City
From 980,000 AED
DAMAC Lagoons
DAMAC • DAMAC Lagoons
From 1,500,000 AED
Bluewaters Residences
Meraas • Bluewaters Island
From 3,200,000 AED
Post-Handover Payment Plan FAQs
What is a post-handover payment plan?
A post-handover payment plan allows buyers to continue paying for their property after receiving the keys. Typically, 50-80% is paid during construction, with the remaining 20-50% spread over 1-5 years after handover. This reduces financial pressure and allows rental income to offset payments.
What are the benefits of post-handover plans?
Key benefits include: lower upfront costs, ability to generate rental income while paying off the property, reduced financial pressure, and time to arrange long-term financing. It's ideal for investors who want cash flow from day one.
Which developers offer post-handover plans in Dubai?
Major developers offering post-handover plans include Emaar (select projects), DAMAC, Sobha, Azizi, Danube, and Samana. Terms vary from 1-5 years post-handover with different percentage splits.
Is there interest on post-handover payments?
Most Dubai developers offer 0% interest on post-handover payment plans. However, some may charge a premium on the unit price to compensate. Always compare the total cost with standard payment plans.
Can I get a mortgage with post-handover plans?
Yes, you can obtain a mortgage after handover to pay off the remaining balance. Many buyers use post-handover plans as a bridge until they arrange bank financing. Banks typically offer mortgages once the property is registered.
What happens if I default on post-handover payments?
Defaulting can result in penalties, legal action, or property repossession. Most developers offer grace periods and restructuring options. It's crucial to ensure you can meet payment obligations before committing.