Developer Payment Plans & Mortgage
Off-Plan Financing
Financing solutions for off-plan property acquisitions developer payment plan structures, post-handover mortgages, escrow frameworks and completion risk management.
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Key Parameters
What You Need to Know
Off-plan acquisitions are most commonly funded through developer payment plans, which require no bank involvement until handover.
Post-handover mortgages (available from select UAE banks) can be secured prior to completion, providing certainty of financing.
Developer escrow accounts are mandatory under UAE law all instalments are held in a protected RERA-regulated escrow account.
LTV post-handover mortgages are assessed on the completed property’s valuation, not the original purchase price.
Eligibility Criteria
Standard Qualifying Requirements
- 1
Valid booking deposit (typically 5–10% of purchase price)
- 2
Signed Sales & Purchase Agreement (SPA)
- 3
OQOOD registration (DLD off-plan registration system)
- 4
Financial capacity to service ongoing instalment schedule
- 5
Mortgage pre-approval (if bank financing required post-handover)
Expert Strategy
MRK’s Recommended Approach
Off-plan financing represents one of Dubai’s most distinctive acquisition pathways enabling buyers to secure prestigious assets at today’s prices with a fraction of the capital deployed upfront. Instalment plans of 2–5 years across construction allow capital appreciation to accrue during the acquisition phase. MRK advises clients on selecting developments with RERA-compliant escrow arrangements and financially sound developer track records.
Access Bespoke Financing Intelligence
MRK’s mortgage advisory team provides independent financing guidance across all major UAE lenders identifying the most competitive products for your specific acquisition scenario.