DEVELOPER INSTALLMENT PLAN · DUBAI
Dubai Apartments with Returns of up to 30%
A developer installment plan allows you to enter the property with only part of the purchase price.
The property is registered in your name in full, so the entire apartment appreciates — not just the amount you have paid.
By handover, you can sell the property in full and capture the increase in value on the entire purchase price.
The price is fixed on the booking date and does not change afterward.
0-20%
typical down payment, lower in selected projects
NO BANK
the installment plan is provided by the developer — no income certificates or bank approval required
1 DOCUMENT
passport only. No UAE residence visa or local bank account required
REMOTE
you do not need
to travel to Dubai
HOW YOUR MONEY WORKS
You paid 40%, but the entire property appreciates
The purchase agreement is registered with the Dubai Land Department immediately after booking, so the property is registered in your name while it is still under construction — in full, not only in proportion to the amount you have already paid.
That means the entire property can increase in value. Once part of the purchase price has been paid according to the schedule, you can assign the property to a new buyer: they pay the full market price and take over the remaining payment plan, while the difference stays with you.
A mortgage gives you similar leverage, but you pay interest to the bank. Here, no one charges interest — you pay exactly the amount stated in the contract.
HOW YOUR MONEY WORKS
You paid 40%, but the entire property appreciates
The purchase agreement is registered with the Dubai Land Department immediately after booking, so the property is registered in your name while it is still under construction — in full, not only in proportion to the amount you have already paid.
That means the entire property can increase in value. Once part of the purchase price has been paid according to the schedule, you can assign the property to a new buyer: they pay the full market price and take over the remaining payment plan, while the difference stays with you.
A mortgage gives you similar leverage, but you pay interest to the bank. Here, no one charges interest — you pay exactly the amount stated in the contract.
CALCULATION EXAMPLE
Invest $88,000 — receive $120,000
Let’s take an apartment priced at $200,000. A 10% down payment is $20,000, plus the 4% Dubai Land Department fee, bringing the amount needed upfront to $28,000.
Then payments continue according to the schedule. By the time the property is handed over, 40% of the purchase price has been paid, bringing your total investment to $88,000.
If the apartment has increased in value by 20% by that time, you assign the property for $240,000, settle the remaining amount with the developer from the transaction proceeds, and receive $120,000.
The difference is $32,000, and there is no tax on this gain in the UAE.
Apartment Price
Amount Needed Upfront
Payments During Construction
Total Invested by Handover
Sale Price
Remaining Balance Paid Off
Amount Received
$200 000
$28 000
approx. $1,700 per month
$88 000
$240 000
$120 000
$120 000
Profit
$32 000
IF YOU KEEP THE PROPERTY
You don’t have to sell — the property can start generating income
Apartments in Dubai are delivered move-in ready, with finishing, a fitted kitchen, appliances, and sanitary fixtures. In some projects, furniture is also included, so there is no need to furnish the apartment before renting it out — it can start generating rental income from day one.
Mivara takes care of the process: preparing the property, finding and screening tenants, arranging the tenancy agreement, and managing the apartment afterward. In projects where payments continue after handover, rental income can cover a significant part of the remaining payment schedule.
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.
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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.
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03
Construction Stage Verification
An independent engineer confirms that the relevant construction milestone has been completed.
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04
Payment to the Developer
Только после этого банк раскрывает застройщику часть денег.
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 ownership can provide a basis for UAE residency — for you and your family
- From AED 750,000 (approx. $204,000) based on the Dubai Land Department (DLD) valuation — 2-year residence visa.
- From AED 2,000,000 (approx. $545,000) — 10-year Golden Visa.
A personal visit to the UAE is required to complete the residence visa process.
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
A broker receives a commission from the developer on the day the deal closes — and that is usually where the relationship ends.
Mivara is a property management company: for us, the transaction is where the work with the property begins, not where it ends.
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.
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
Get a calculation based on the amount you are ready to invest upfront
Tell us how much you are ready to invest at the start, and we’ll send you a selection with payment schedules within one business day. No unnecessary calls.
WHAT YOU WILL RECEIVE
3–5 projects
selected for your goals and upfront budget
Full payment schedule
with amounts due before and after handover
Full entry cost calculation
down payment, 4% DLD fee, and additional costs
Handover dates and resale terms before completion
when you can resell, rent out, or keep the property for yourself
+ PDF guide
how Dubai installment plans work and what makes up the total transaction budget
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 do not share your data with third parties and do not make cold calls.
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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