Off-Plan Payment Plan Calculator

It is a percentage of the sale price. The Dubai Land Department lists 2% of the sale value for the seller and 2% for the purchaser when an off-plan sale is registered, plus AED 10 knowledge and AED 10 innovation fees. Your SPA states how much of the 4% you pay, so the calculator starts at 4% and lets you change it.

The Dubai Land Department charges developers AED 1,000 to register a provisional sale on the Oqood portal. Whether that or any other admin fee is passed on to you depends on your SPA, so the field starts at 0: enter the fee from your SPA.

The construction share is divided into the number of instalments you choose, in equal amounts, dated at even intervals between the booking month and the handover month. Real plans are often tied to construction milestones instead, so check the dates in your payment plan.

The post-handover share of the price is divided into equal monthly payments over the number of months you enter, starting the month after handover. For example, 30% of AED 1,000,000 over 24 months is AED 12,500 a month.

With the standard repayment formula: monthly payment = P × r ÷ (1 − (1 + r)⁻ⁿ), where P is the loan amount, r is the annual interest rate divided by 12 and n is the loan period in months. It covers principal and interest only.