Payment plans, explained properly.
Off-plan at Emaar Beachfront is paid in instalments tied to construction, not all at once. The structure is one of the main reasons investors buy at launch: you control a waterfront asset for a fraction of its end value while the tower is built. Here is exactly how the money flows, using the plans Emaar has offered on current launches.
What is Emaar’s standard payment plan?
The typical structure at Emaar Beachfront is 10/80/10:
- 10% on booking — paid with your expression of interest and sales agreement.
- 80% during construction — usually eight instalments of 10%, each triggered by a construction milestone that RERA verifies, spread over roughly three to four years.
- 10% on handover — due when you collect keys.
Selected releases have used 80/20 (80% during construction, 20% on handover) or limited-time post-handovervariants where a portion is paid over one to three years after completion. Each project’s exact schedule is fixed in the sales agreement.
A worked example on AED 2.5M
| Stage | Share | Amount | Timing |
|---|---|---|---|
| Booking | 10% | AED 250,000 | Day one |
| DLD registration fee | 4% | AED 100,000 | With booking |
| Construction instalments | 80% | AED 2,000,000 | ~8 × AED 250,000 over 3–4 years |
| Handover | 10% | AED 250,000 | At key collection |
Note the 4% Dubai Land Department fee and a small Oqood registration charge are the main costs on top of the price. Off-plan buyers pay no agency commission when purchasing through a registered broker such as Obaco Homes— the developer remunerates the agency.
Is my money protected?
Yes — this is regulated at the emirate level. Every off-plan dirham at Emaar Beachfront is paid into a RERA-supervised escrow accountdedicated to that project. Developers can only draw funds against certified construction progress, and Emaar’s delivery record — Burj Khalifa, Dubai Hills, and the first six completed Beachfront towers — is the strongest in the market.
Does a payment plan affect my Golden Visa?
Buying at AED 2M or above can qualify you for the 10-year UAE Golden Visa — including off-plan purchases from approved developers, subject to the current Dubai Land Department criteria. Most active Emaar Beachfront launches clear this threshold from one-bedroom units upward; see our investment guide for the visa process and holding costs.
Which plan should I choose?
If cash flow matters, a construction-linked 10/80/10 keeps instalments predictable. If you want rental income to help fund the purchase, a post-handover plan on a completing tower — like Beachgate in our launches guide — lets tenants pay part of the balance. Our consultants can model both against your budget; register here or call +971 43 351 005.