Finance

Off-Plan Payment Plans & Escrow, Explained

5 min read

Post-handover plans, 1% monthly, 10/40/50 — what the numbers mean, and how escrow keeps your payments safe.

Reading A Payment Plan

A plan like 10/40/50 means 10% on booking, 40% spread through construction, and 50% on handover. A '1% monthly' plan spreads payments into small, predictable instalments. Post-handover plans let you keep paying after you receive the keys.

The right structure depends on your cash flow and whether you plan to hold, flip on completion, or rent out.

Why Escrow Matters

On registered projects your instalments sit in a regulated escrow account and are released to the developer only as construction milestones are verified. This is your core protection as an off-plan buyer.

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Good To Know

Frequently Asked Questions

What Is Off-Plan Property?+

Off-plan property is a home bought directly from the developer before it is completed — often at launch pricing, on a staged payment plan tied to construction milestones and handover.

Can Foreigners Buy Off-Plan In The United Arab Emirates?+

Yes. Foreign nationals can buy freehold off-plan property in designated areas across the Emirates, owning the unit outright. Qualifying investments can also support a UAE residence (Golden) visa.

How Do Payment Plans Work?+

Most developers offer staged plans — a down payment, instalments through construction, and a balance on handover (for example 10/40/50 or 1% monthly). Terms vary by developer and project.

Is My Money Protected?+

Buyer payments on registered off-plan projects go into a government-supervised escrow account and are released to the developer against verified construction progress. Projects are registered with the relevant land department (e.g. the Dubai Land Department).

Does It Cost Me Anything To Use 369 Capital Ventures?+

No. We connect you directly with developers with zero agent commission on your purchase. Our data-driven platform is free for investors to browse, compare and enquire.

What Are The Main Risks?+

Completion timelines can shift and market prices move. Buy from registered, escrow-backed projects, review the payment plan and handover date, and treat launch figures as anchors to verify before committing.