DEVELOPER INSTALLMENT PLAN · DUBAI
Dubai apartments from
AED 590,000. 20% down,
then 1% a month.
Buy on the developer's payment plan: no bank loan, no income proof, just your passport. The apartment is registered in your name from day one, and in selected projects you keep paying for up to five years after you get the keys.
The price is fixed on the day you book and never changes.
10-20%
down payment,
less on selected projects
NO BANK LOAN
the plan comes from the developer: no income proof, no bank approval
PASSPORT ONLY
no UAE visa or local bank
account needed
BUY REMOTELY
no need to fly to Dubai
CURRENT PROJECTS
What you can buy now
Off-plan and ready apartments with the price, the down payment and the full payment schedule on every card
READY · TENANTED
Binghatti Canal
Business Bay · Binghatti Canal
Studio · 487.61 sq.ft · 13th floor · 1 parking space
Property Price
AED 1,000,000
≈ $272,300
Annual Rent
AED 90,000
per year
Net Annual Income
AED 82,136
after service charges
Net Yield
8.21%
Current Tenancy:
AED 90,000 year → contract valid until 14 December 2026
Annual Service Charge:
AED 7,864
WHY IT'S ON OUR LIST
Ready income-producing property in Business Bay with an existing tenant. At the stated figures, the apartment generates AED 82,136 in net annual income and approximately 8.21% net yield after service charges.
Dubai Industrial City · Zoya Developments
Price
from $160,700
from AED 590,000
Down Payment
20%
Payment Plan
1% per month
for 18 months
Handover
Q4 2027
After Handover:
- 10% on handover
- 10% after 1 year
- 0.7% per month for 60 months
WHY IT'S ON OUR LIST
Low entry price, fully furnished, and a long post-handover plan: part of the price is paid after you get the keys
OFF-PLAN · FULLY FURNISHED
Seraya by Zoya
OFF-PLAN
Siana
Business Bay · Bay Square · Zoya Developments
Property Price
$165,300
AED 607,000
Down Payment
20%
Payment Plan
1% per month
main payments during construction
Handover
30 December 2027
After Handover:
- 0.7% per month for 60 months
- final payment of 3.7%
WHY IT'S ON OUR LIST
One of the most flexible payment plans: starting from AED 607,000, with a significant portion of the purchase price spread over the post-handover period.
IF YOU KEEP THE PROPERTY
Don't want to sell? Rent it out from day one
Dubai apartments are handed over ready to live in: finished, with a fitted kitchen, appliances and bathrooms. Some projects include furniture, so the unit can be let straight away.
Mivara prepares the apartment, finds and screens the tenant, handles the contract and Ejari, and manages it from then on. Where payments continue after handover, rent can cover a large part of the remaining plan.
WHY THIS IS POSSIBLE
The installment plan comes from the developer, not a bank
The usual model works roughly the same everywhere: the developer builds with bank financing, that money costs interest, and every month of your installment plan adds to the developer’s expenses.
In Dubai, the structure is different: buyers’ payments go to the project’s escrow account and are released to the developer in stages as construction progresses. Your payment schedule effectively helps finance the construction, which is why spreading payments over several years is a standard sales model rather than a special promotion.
01
Buyer
You make payments according to the schedule. The money does not go directly to the developer.
→
02
Project Escrow Account
The account is opened in the project’s name with an accredited bank and is protected from the developer’s creditors.
→
03
Construction Stage Verification
An independent engineer confirms that the relevant construction milestone has been completed.
→
04
Payment to the Developer
Only after that does the bank release part of the funds to the developer.
01
Buyer
You make payments according to the schedule. The money does not go directly to the developer.
02
Project Escrow Account
The account is opened in the project’s name with an accredited bank and is protected from the developer’s creditors.
03
Construction Stage Verification
An independent engineer confirms that the relevant construction milestone has been completed.
04
Payment to the Developer
Only after that does the bank release part of the funds to the developer.
Funds are never transferred to a personal account of an agent or intermediary — this is required by Dubai Law No. 8 of 2007.
UAE RESIDENCY
Property can get you and your family UAE residency
- Any completed apartment: a 2-year renewable residence visa for sole owners. The AED 750,000 minimum was removed in 2026.
- From AED 2,000,000: a 10-year Golden Visa.
- Off-plan units qualify for the 2-year visa after handover and title deed registration.
You'll need one visit to the UAE to complete the visa. We check eligibility for every unit.
The threshold is based on the DLD valuation, not the contract price. For installment purchases, eligibility depends on the amount paid and the project terms — we verify this for each property.
HOW THE TRANSACTION WORKS
You don’t need to fly to Dubai
Property selection, due diligence, document processing, and most of the transaction can be completed remotely — with support from the Mivara team.
Selection
We define your goals, budget, and comfortable upfront amount. Then we select suitable projects and layouts.
Due Diligence
We verify the developer, project registration, contract, escrow account, and payment terms.
Booking
You choose the property, provide the required documents, and make the booking payment.
Transaction Processing
Documents are reviewed and signed remotely, while payments follow the agreed schedule.
Handover
We arrange the property inspection, key handover, and, if needed, prepare the apartment for rental or personal use.
WHAT THE BUYER NEEDS
Passport
valid for at least 6 months
For the purchase of an off-plan property, a UAE residence visa, UAE bank account, or local guarantor is not required.
HOW PAYMENTS ARE MADE
We select the most suitable payment route for your situation and agree it with you before the booking payment is made.
WHO WE ARE
8+
years in the Dubai market
DED
Licensed
100+
investors worldwide
Most brokers get paid by the developer on signing day, and that's the last you hear from them.
Mivara is a property management company: for us, the deal is where the work starts. We inspect the unit at handover, rent it out and manage it for you.
QUESTIONS
What to know before booking
Answers to the most common questions about installment plans, payments, resale, and renting out the property.
Is an installment plan a loan?
No. The installment plan is provided by the developer, the bank is not involved, and no interest is charged. Income certificates, credit history, and bank approval are not required — only a passport.
What down payment is required?
Usually 10–20% of the property price, and in some projects even less. In addition, you should allow for the Dubai Land Department fee and the developer’s administrative charges. Their amount depends on the project, and we calculate the full entry cost before booking.
What happens to the money during construction?
Payments go to the escrow account of the registered project and are released to the developer in stages after the relevant construction milestone is confirmed. The account is protected from the developer’s creditors.
Is it safe to buy off-plan in 2026?
Dubai has a lot of new supply coming, so the project matters more than the market. Before you book, we check the developer's delivery record, the project's DLD registration and escrow account, and how the price compares with similar units nearby. If a project looks overpriced or risky, we tell you.
Can I sell the property before handover?
Usually yes — once the percentage required by the developer has been paid. The exact rule depends on the project and is stated in the contract. We check this before booking so you have a clear exit strategy from the start.
Can I rent out the property while the installment plan is still ongoing?
Yes, after you receive the keys. The property is registered in your name, the rental income is yours, and in projects with post-handover payments it can cover a significant part of the remaining schedule. Mivara can take care of preparing and renting out the property.
What happens if I stop making payments?
The consequences depend on the amount already paid and the contract terms. They may include penalties, contract termination with a partial refund, or resale of the property. We review this section with you before signing.
CALCULATION FOR YOUR BUDGET
Tell us your upfront budget. Get 3–5 matching projects.
Within one business day you'll get a shortlist with full payment schedules. No sales calls just to "check in".
WHAT YOU WILL RECEIVE
- 3–5 projects
matched to your goal and upfront budget - Full payment schedule,
before and after handover - Total entry cost:
down payment, 4% DLD fee and admin fees - Handover dates and resale rules:
when you can sell, rent out or move in - Plus a PDF guide:
how Dubai payment plans work and what a purchase really costs
Get your calculation and property selection
Leave your contact details and specify your upfront amount — we’ll prepare current options within one business day.
We never share your details and never cold-call.
We manage income-generating properties in Dubai for owners worldwide
We take care of every aspect of property management — from rentals and maintenance to reporting and income growth. You receive stable returns and confidence in every decision.
SERVICES
Long-term rentals
Tenant search and placement
Legal support
Technical maintenance
Income optimization
Investor consulting
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