{"id":8730,"date":"2026-10-06T05:36:17","date_gmt":"2026-10-06T05:36:17","guid":{"rendered":"https:\/\/shozon.com\/blog\/?p=8730"},"modified":"2026-10-06T06:18:12","modified_gmt":"2026-10-06T06:18:12","slug":"1-percent-payment-plan-dubai","status":"publish","type":"post","link":"https:\/\/shozon.com\/blog\/property\/1-percent-payment-plan-dubai\/","title":{"rendered":"What Is a 1% Payment Plan in Dubai? How It Works, Costs and Risks"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">Dubai developers often advertise off-plan units with <strong>1% monthly payment plans<\/strong>. The headline figure looks small, but it describes only one part of the payment schedule. This guide explains how these plans work, shows what an AED 1 million unit would cost in practice, and lists what to check in the SPA before you pay a booking amount.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Before booking, check whether you can fund <strong>every payment when it falls due<\/strong>, particularly the largest one. The figures below are illustrative; the selected unit\u2019s sale and purchase agreement (SPA) sets out its actual amounts and dates.<\/p>\n\n\n\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_88 counter-hierarchy ez-toc-counter ez-toc-custom ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #ffffff;color:#ffffff\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #ffffff;color:#ffffff\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 eztoc-toggle-hide-by-default' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/shozon.com\/blog\/property\/1-percent-payment-plan-dubai\/#How_Does_a_1_Payment_Plan_in_Dubai_Work\" >How Does a 1% Payment Plan in Dubai Work?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/shozon.com\/blog\/property\/1-percent-payment-plan-dubai\/#1_Payment_Plan_Dubai_What_Does_the_1_Actually_Mean\" >1% Payment Plan Dubai: What Does the 1% Actually Mean?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/shozon.com\/blog\/property\/1-percent-payment-plan-dubai\/#How_Do_1_Instalments_Fit_into_the_Full_Payment_Schedule\" >How Do 1% Instalments Fit into the Full Payment Schedule?<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/shozon.com\/blog\/property\/1-percent-payment-plan-dubai\/#1_Booking_and_Initial_Payment\" >1. Booking and Initial Payment<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/shozon.com\/blog\/property\/1-percent-payment-plan-dubai\/#2_Monthly_Instalments\" >2. Monthly Instalments<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/shozon.com\/blog\/property\/1-percent-payment-plan-dubai\/#3_Additional_Payments_and_Handover\" >3. Additional Payments and Handover<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/shozon.com\/blog\/property\/1-percent-payment-plan-dubai\/#4_Payments_After_Handover\" >4. Payments After Handover<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/shozon.com\/blog\/property\/1-percent-payment-plan-dubai\/#What_Would_a_1_Plan_Cost_on_an_AED_1_Million_Property\" >What Would a 1% Plan Cost on an AED 1 Million Property?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/shozon.com\/blog\/property\/1-percent-payment-plan-dubai\/#Look_at_Cumulative_Payments_Not_Just_the_Monthly_Amount\" >Look at Cumulative Payments, Not Just the Monthly Amount<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/shozon.com\/blog\/property\/1-percent-payment-plan-dubai\/#A_Second_1_Offer_Can_Require_More_at_Handover\" >A Second 1% Offer Can Require More at Handover<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/shozon.com\/blog\/property\/1-percent-payment-plan-dubai\/#How_Can_You_Test_Whether_the_Payments_Are_Affordable\" >How Can You Test Whether the Payments Are Affordable?<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/shozon.com\/blog\/property\/1-percent-payment-plan-dubai\/#1_Test_the_Monthly_Commitment\" >1.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Test the Monthly Commitment<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/shozon.com\/blog\/property\/1-percent-payment-plan-dubai\/#2_Fund_the_Handover_Balance_Before_Booking\" >2.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Fund the Handover Balance Before Booking<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-14\" href=\"https:\/\/shozon.com\/blog\/property\/1-percent-payment-plan-dubai\/#3_Test_a_Less_Favourable_Outcome\" >3.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Test a Less Favourable Outcome<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-15\" href=\"https:\/\/shozon.com\/blog\/property\/1-percent-payment-plan-dubai\/#What_Costs_Sit_Outside_the_Advertised_1\" >What Costs Sit Outside the Advertised 1%?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-16\" href=\"https:\/\/shozon.com\/blog\/property\/1-percent-payment-plan-dubai\/#How_Does_a_1_Plan_Compare_with_8020_and_6040_Plans\" >How Does a 1% Plan Compare with 80\/20 and 60\/40 Plans?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-17\" href=\"https:\/\/shozon.com\/blog\/property\/1-percent-payment-plan-dubai\/#Do_1_Payments_Continue_After_Handover\" >Do 1% Payments Continue After Handover?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-18\" href=\"https:\/\/shozon.com\/blog\/property\/1-percent-payment-plan-dubai\/#Can_a_Mortgage_Cover_the_Handover_Balance\" >Can a Mortgage Cover the Handover Balance?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-19\" href=\"https:\/\/shozon.com\/blog\/property\/1-percent-payment-plan-dubai\/#What_Are_the_Risks_Specific_to_a_1_Payment_Plan\" >What Are the Risks Specific to a 1% Payment Plan?<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-20\" href=\"https:\/\/shozon.com\/blog\/property\/1-percent-payment-plan-dubai\/#1_A_Large_Balance_May_Remain_at_Handover\" >1. A Large Balance May Remain at Handover<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-21\" href=\"https:\/\/shozon.com\/blog\/property\/1-percent-payment-plan-dubai\/#2_A_Changed_Handover_Date_Can_Affect_Your_Budget\" >2. A Changed Handover Date Can Affect Your Budget<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-22\" href=\"https:\/\/shozon.com\/blog\/property\/1-percent-payment-plan-dubai\/#3_Missing_an_Instalment_Has_Consequences\" >3. Missing an Instalment Has Consequences<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-23\" href=\"https:\/\/shozon.com\/blog\/property\/1-percent-payment-plan-dubai\/#4_A_Planned_Sale_May_Not_Fund_the_Next_Payment\" >4. A Planned Sale May Not Fund the Next Payment<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-24\" href=\"https:\/\/shozon.com\/blog\/property\/1-percent-payment-plan-dubai\/#What_Should_You_Verify_Before_Paying_a_Booking_Amount\" >What Should You Verify Before Paying a Booking Amount?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-25\" href=\"https:\/\/shozon.com\/blog\/property\/1-percent-payment-plan-dubai\/#Who_Might_Find_a_1_Plan_Suitable\" >Who Might Find a 1% Plan Suitable?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-26\" href=\"https:\/\/shozon.com\/blog\/property\/1-percent-payment-plan-dubai\/#Check_the_Full_Payment_Schedule_Before_You_Book\" >Check the Full Payment Schedule Before You Book<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-27\" href=\"https:\/\/shozon.com\/blog\/property\/1-percent-payment-plan-dubai\/#FAQs_About_1_Payment_Plans_in_Dubai\" >FAQs About 1% Payment Plans in Dubai<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-28\" href=\"https:\/\/shozon.com\/blog\/property\/1-percent-payment-plan-dubai\/#What_is_a_1_payment_plan_in_Dubai\" >What is a 1% payment plan in Dubai?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-29\" href=\"https:\/\/shozon.com\/blog\/property\/1-percent-payment-plan-dubai\/#Is_a_1_monthly_payment_plan_available_in_Dubai\" >Is a 1% monthly payment plan available in Dubai?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-30\" href=\"https:\/\/shozon.com\/blog\/property\/1-percent-payment-plan-dubai\/#Do_1_payments_continue_after_handover\" >Do 1% payments continue after handover?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-31\" href=\"https:\/\/shozon.com\/blog\/property\/1-percent-payment-plan-dubai\/#What_happens_if_I_miss_a_payment_on_a_1_plan\" >What happens if I miss a payment on a 1% plan?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-32\" href=\"https:\/\/shozon.com\/blog\/property\/1-percent-payment-plan-dubai\/#Which_is_the_best_payment_plan\" >Which is the best payment plan?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-33\" href=\"https:\/\/shozon.com\/blog\/property\/1-percent-payment-plan-dubai\/#Can_I_get_a_mortgage_in_the_UAE_without_a_down_payment\" >Can I get a mortgage in the UAE without a down payment?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-34\" href=\"https:\/\/shozon.com\/blog\/property\/1-percent-payment-plan-dubai\/#Can_you_get_a_100_mortgage_in_Dubai\" >Can you get a 100% mortgage in Dubai?<\/a><\/li><\/ul><\/li><\/ul><\/nav><\/div>\n<h2 id=\"h-how-does-a-1-payment-plan-in-dubai-work\" class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"How_Does_a_1_Payment_Plan_in_Dubai_Work\"><\/span>How Does a 1% Payment Plan in Dubai Work?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">A 1% payment plan usually means the buyer pays monthly instalments equal to 1% of the property price. It does not mean the total upfront payment is only 1%. Buyers may also need to pay a booking amount, down payment, registration fees, milestone payments, and a balance at handover.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Monthly instalment = usually 1% of the purchase price<\/li>\n\n\n\n<li>Additional upfront and milestone payments may apply<\/li>\n\n\n\n<li>A significant balance may still remain at handover<\/li>\n<\/ul>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-large\"><img fetchpriority=\"high\" decoding=\"async\" width=\"1024\" height=\"576\" src=\"https:\/\/shozon.com\/blog\/wp-content\/uploads\/2026\/10\/how-the-1-payment-plan-works-in-dubai-1024x576.webp\" alt=\"How the 1% Payment Plan Works in Dubai\" class=\"wp-image-8767\" srcset=\"https:\/\/shozon.com\/blog\/wp-content\/uploads\/2026\/10\/how-the-1-payment-plan-works-in-dubai-1024x576.webp 1024w, https:\/\/shozon.com\/blog\/wp-content\/uploads\/2026\/10\/how-the-1-payment-plan-works-in-dubai-300x169.webp 300w, https:\/\/shozon.com\/blog\/wp-content\/uploads\/2026\/10\/how-the-1-payment-plan-works-in-dubai-768x432.webp 768w, https:\/\/shozon.com\/blog\/wp-content\/uploads\/2026\/10\/how-the-1-payment-plan-works-in-dubai-1536x864.webp 1536w, https:\/\/shozon.com\/blog\/wp-content\/uploads\/2026\/10\/how-the-1-payment-plan-works-in-dubai.webp 1672w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><figcaption class=\"wp-element-caption\"><strong>How the 1% Payment Plan Works in Dubai<\/strong><\/figcaption><\/figure>\n<\/div>\n\n\n<h2 id=\"h-1-payment-plan-dubai-what-does-the-1-actually-mean\" class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"1_Payment_Plan_Dubai_What_Does_the_1_Actually_Mean\"><\/span>1% Payment Plan Dubai: What Does the 1% Actually Mean?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">A 1% monthly instalment is usually calculated from the agreed property price. On an AED 1 million apartment, that would be AED 10,000 for each scheduled monthly payment.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The 1% figure does not show how the rest of the price is payable.<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><td>What \u201c1% monthly\u201d tells you<\/td><td>What you still need to confirm<\/td><\/tr><tr><td>The amount of a scheduled monthly instalment<\/td><td>The booking amount and down payment<\/td><\/tr><tr><td>The size of recurring payments<\/td><td>How many are due and whether other instalments apply<\/td><\/tr><tr><td>Part of the purchase price is paid over time<\/td><td>The balance due at handover<\/td><\/tr><tr><td>Payments may be spread across several stages<\/td><td>Whether any continue after handover and what charges sit outside the price<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">The <em>booking amount<\/em>, <em>down payment<\/em> and <em>monthly instalment<\/em> are separate terms. A booking amount may count towards the down payment; confirm this in writing before paying.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">When evaluating a 1 percent payment plan Dubai property advertisement, check the full price, number of monthly payments, additional amounts and final balance. Two offers with the same 1% monthly instalment can require very different amounts upfront and at handover.<\/p>\n\n\n\n<h2 id=\"h-how-do-1-instalments-fit-into-the-full-payment-schedule\" class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"How_Do_1_Instalments_Fit_into_the_Full_Payment_Schedule\"><\/span>How Do 1% Instalments Fit into the Full Payment Schedule?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">A 1% offer applies to a specific property and unit. Request a dated payment schedule before judging affordability, since the monthly figure does not show when the full price is due.<\/p>\n\n\n\n<h3 id=\"h-1-booking-and-initial-payment\" class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"1_Booking_and_Initial_Payment\"><\/span>1. Booking and Initial Payment<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Check whether the booking amount is refundable, when the sale and purchase agreement (SPA) must be signed, and whether the booking amount counts towards the down payment.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">For example, \u201c20% down\u201d may include the booking payment rather than require it on top of the 20%. Confirm the amounts in writing.<\/p>\n\n\n\n<h3 id=\"h-2-monthly-instalments\" class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"2_Monthly_Instalments\"><\/span>2. Monthly Instalments<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Check when the 1% payments begin and end, then count them. Forty-eight instalments of 1% equal 48% of the purchase price. The schedule must account for the remaining 52%.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Find out whether payments fall on fixed dates and whether larger, construction-linked instalments are also required.<\/p>\n\n\n\n<h3 id=\"h-3-additional-payments-and-handover\" class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"3_Additional_Payments_and_Handover\"><\/span>3. Additional Payments and Handover<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Identify the amount due at each construction milestone and at handover. For every payment, check its amount, due date or trigger, and what the SPA says if the expected handover date changes.<\/p>\n\n\n\n<h3 id=\"h-4-payments-after-handover\" class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"4_Payments_After_Handover\"><\/span>4. Payments After Handover<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Some plans continue after handover; others require the outstanding balance before the buyer receives the property. Confirm which applies to the selected unit.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The wider <a href=\"https:\/\/shozon.com\/blog\/property\/what-is-off-plan-property-in-dubai\"><strong>off-plan purchase process in Dubai<\/strong><\/a> includes registration and handover. For this payment decision, use the unit\u2019s own dated schedule.<\/p>\n\n\n\n<h2 id=\"h-what-would-a-1-plan-cost-on-an-aed-1-million-property\" class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"What_Would_a_1_Plan_Cost_on_an_AED_1_Million_Property\"><\/span>What Would a 1% Plan Cost on an AED 1 Million Property?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Consider an illustrative AED 1 million purchase with a 20% down payment, forty-eight monthly instalments of 1%, and the remaining balance due at handover. This is a calculation example, not an offer for a current development.<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><td>Payment stage<\/td><td>Calculation<\/td><td>Amount<\/td><\/tr><tr><td>Initial down payment<\/td><td>20% \u00d7 AED 1,000,000<\/td><td>AED 200,000<\/td><\/tr><tr><td>Each monthly instalment<\/td><td>1% \u00d7 AED 1,000,000<\/td><td>AED 10,000<\/td><\/tr><tr><td>Total of 48 monthly instalments<\/td><td>48 \u00d7 AED 10,000<\/td><td>AED 480,000<\/td><\/tr><tr><td>Balance at handover<\/td><td>32% \u00d7 AED 1,000,000<\/td><td>AED 320,000<\/td><\/tr><tr><td>Total property price<\/td><td>20% + 48% + 32%<\/td><td>AED 1,000,000<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">The AED 10,000 monthly payment is only one part of the schedule. The buyer also needs AED 200,000 initially and AED 320,000 at handover. Applicable transaction charges must be budgeted separately unless the written offer specifies that the developer will cover them.<\/p>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-large\"><img decoding=\"async\" width=\"1672\" height=\"941\" src=\"https:\/\/shozon.com\/blog\/wp-content\/uploads\/2026\/10\/what-would-a-1-plan-cost-on-an-aed-1-million-property.webp\" alt=\"What Would a 1% Plan Cost on an AED 1 Million Property\" class=\"wp-image-8768\" srcset=\"https:\/\/shozon.com\/blog\/wp-content\/uploads\/2026\/10\/what-would-a-1-plan-cost-on-an-aed-1-million-property.webp 1672w, https:\/\/shozon.com\/blog\/wp-content\/uploads\/2026\/10\/what-would-a-1-plan-cost-on-an-aed-1-million-property-768x432.webp 768w, https:\/\/shozon.com\/blog\/wp-content\/uploads\/2026\/10\/what-would-a-1-plan-cost-on-an-aed-1-million-property-300x169.webp 300w, https:\/\/shozon.com\/blog\/wp-content\/uploads\/2026\/10\/what-would-a-1-plan-cost-on-an-aed-1-million-property-1024x576.webp 1024w, https:\/\/shozon.com\/blog\/wp-content\/uploads\/2026\/10\/what-would-a-1-plan-cost-on-an-aed-1-million-property-1536x864.webp 1536w\" sizes=\"(max-width: 1672px) 100vw, 1672px\" \/><figcaption class=\"wp-element-caption\"><strong>What Would a 1% Plan Cost on an AED 1 Million Property<\/strong><\/figcaption><\/figure>\n<\/div>\n\n\n<h2 id=\"h-look-at-cumulative-payments-not-just-the-monthly-amount\" class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Look_at_Cumulative_Payments_Not_Just_the_Monthly_Amount\"><\/span>Look at Cumulative Payments, Not Just the Monthly Amount<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">The same example shows how much of the AED 1 million price remains unpaid at each stage:<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><td>Point in the schedule<\/td><td>Price paid to date<\/td><td>Price still outstanding<\/td><\/tr><tr><td>After the 20% down payment<\/td><td>AED 200,000<\/td><td>AED 800,000<\/td><\/tr><tr><td>After 12 monthly instalments<\/td><td>AED 320,000<\/td><td>AED 680,000<\/td><\/tr><tr><td>After 24 monthly instalments<\/td><td>AED 440,000<\/td><td>AED 560,000<\/td><\/tr><tr><td>After 48 monthly instalments<\/td><td>AED 680,000<\/td><td>AED 320,000<\/td><\/tr><tr><td>After the handover payment<\/td><td>AED 1,000,000<\/td><td>AED 0<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">The key figure is AED 320,000 still due after all 48 monthly instalments. The table tracks payments towards the property price; it does not include registration or other transaction charges.<\/p>\n\n\n\n<h2 id=\"h-a-second-1-offer-can-require-more-at-handover\" class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"A_Second_1_Offer_Can_Require_More_at_Handover\"><\/span>A Second 1% Offer Can Require More at Handover<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Consider another illustrative AED 1 million unit with 10% due initially, thirty monthly payments of 1%, and the remaining 60% due at handover.<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><td>Payment stage<\/td><td>Share of price<\/td><td>Amount<\/td><\/tr><tr><td>Initial payment<\/td><td>10%<\/td><td>AED 100,000<\/td><\/tr><tr><td>Thirty monthly instalments<\/td><td>30%<\/td><td>AED 300,000<\/td><\/tr><tr><td>Handover balance<\/td><td>60%<\/td><td>AED 600,000<\/td><\/tr><tr><td>Total property price<\/td><td>100%<\/td><td>AED 1,000,000<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">Both examples have an AED 10,000 monthly instalment. This offer requires AED 100,000 less initially, but AED 280,000 more at handover. That difference matters more than the shared \u201c1% monthly\u201d label when planning how to complete the purchase.<\/p>\n\n\n\n<h2 id=\"h-how-can-you-test-whether-the-payments-are-affordable\" class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"How_Can_You_Test_Whether_the_Payments_Are_Affordable\"><\/span>How Can You Test Whether the Payments Are Affordable?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Check three amounts separately: cash needed at the start, monthly commitments, and the largest future payment. Keep enough funds for living expenses and unexpected costs after each one.<\/p>\n\n\n\n<h3 id=\"h-1-nbsp-nbsp-nbsp-nbsp-nbsp-test-the-monthly-commitment\" class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"1_Test_the_Monthly_Commitment\"><\/span>1.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Test the Monthly Commitment<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Add the 1% instalment to payments that will continue during construction, including rent and existing debts. On the illustrative AED 1 million property, a buyer paying AED 10,000 monthly to the developer and AED 7,000 in rent has AED 17,000 in combined housing payments before other expenses.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The instalment is calculated from the property price, not the buyer\u2019s income. Check whether it remains manageable if income falls for several months.<\/p>\n\n\n\n<h3 id=\"h-2-nbsp-nbsp-nbsp-nbsp-nbsp-fund-the-handover-balance-before-booking\" class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"2_Fund_the_Handover_Balance_Before_Booking\"><\/span>2.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Fund the Handover Balance Before Booking<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Identify how you would pay the AED 320,000 handover balance in the first example. Saving that amount evenly over 48 months would require about AED 6,667 a month, on top of the AED 10,000 contractual instalment. This is a budgeting calculation, not another payment charged by the developer.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">If a mortgage is essential to your plan, discuss eligibility with a lender early. A possible future application does not guarantee approval or a particular loan amount at handover.<\/p>\n\n\n\n<h3 id=\"h-3-nbsp-nbsp-nbsp-nbsp-nbsp-test-a-less-favourable-outcome\" class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"3_Test_a_Less_Favourable_Outcome\"><\/span>3.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Test a Less Favourable Outcome<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Check whether you could still meet the contractual payments if:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Your income falls temporarily.<\/li>\n\n\n\n<li>The handover date changes.<\/li>\n\n\n\n<li>The approved mortgage is smaller than expected.<\/li>\n\n\n\n<li>The property takes longer to rent or sell.<\/li>\n\n\n\n<li>Ownership or fitting-out costs exceed your estimate.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">A plan is more sustainable when its payments do not depend on an early resale, immediate rental income or the maximum possible mortgage.<\/p>\n\n\n\n<h2 id=\"h-what-costs-sit-outside-the-advertised-1\" class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"What_Costs_Sit_Outside_the_Advertised_1\"><\/span>What Costs Sit Outside the Advertised 1%?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">The 1% instalment pays towards the property price. Budget separately for charges that apply to the purchase and for costs that begin at handover.<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><td>Cost<\/td><td>What to confirm<\/td><\/tr><tr><td>DLD registration<\/td><td>The amount payable by each party and when it is due<\/td><\/tr><tr><td>Developer and brokerage charges<\/td><td>Whether they apply, who pays them and whether they are included in the quotation<\/td><\/tr><tr><td>Mortgage costs<\/td><td>Bank, valuation, insurance and registration charges if finance is used<\/td><\/tr><tr><td>Handover and utility costs<\/td><td>Amounts needed to take possession and prepare the unit<\/td><\/tr><tr><td>Service charges<\/td><td>The amount and the date from which the owner must pay<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\"><a href=\"https:\/\/dubailand.gov.ae\/en\/eservices\/request-to-register-the-initial-sale\/\">Dubai Land Department\u2019s initial sale registration service<\/a> lists 2% of the sale value for the seller and 2% for the purchaser, along with other stated fees. Confirm the allocation agreed for your purchase. If the buyer pays the full 4% on an AED 1 million property, that adds AED 40,000 beyond the purchase price.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">In the first example, the AED 200,000 down payment plus AED 40,000 in buyer-paid registration would require AED 240,000 if both are due at the outset. Request an itemised statement showing each charge and its payment date. The wider <a href=\"https:\/\/shozon.com\/blog\/property\/buying-property-in-dubai-process\"><strong>costs of buying property in Dubai<\/strong><\/a> may include other amounts depending on the transaction.<\/p>\n\n\n\n<h2 id=\"h-how-does-a-1-plan-compare-with-80-20-and-60-40-plans\" class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"How_Does_a_1_Plan_Compare_with_8020_and_6040_Plans\"><\/span>How Does a 1% Plan Compare with 80\/20 and 60\/40 Plans?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">An 80\/20 payment plan Dubai offer or 60\/40 payment plan Dubai offer describes a division of the property price. It does not, by itself, tell you the payment dates. The examples below assume the first portion is paid before handover and the second at handover; an actual offer may define the stages differently.<\/p>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-large\"><img decoding=\"async\" width=\"1024\" height=\"576\" src=\"https:\/\/shozon.com\/blog\/wp-content\/uploads\/2026\/10\/1-vs-80-20-vs-60-40-payment-plans-1024x576.webp\" alt=\"1% vs 80\/20 vs 60\/40 Payment Plans\" class=\"wp-image-8769\" srcset=\"https:\/\/shozon.com\/blog\/wp-content\/uploads\/2026\/10\/1-vs-80-20-vs-60-40-payment-plans-1024x576.webp 1024w, https:\/\/shozon.com\/blog\/wp-content\/uploads\/2026\/10\/1-vs-80-20-vs-60-40-payment-plans-300x169.webp 300w, https:\/\/shozon.com\/blog\/wp-content\/uploads\/2026\/10\/1-vs-80-20-vs-60-40-payment-plans-768x432.webp 768w, https:\/\/shozon.com\/blog\/wp-content\/uploads\/2026\/10\/1-vs-80-20-vs-60-40-payment-plans-1536x864.webp 1536w, https:\/\/shozon.com\/blog\/wp-content\/uploads\/2026\/10\/1-vs-80-20-vs-60-40-payment-plans.webp 1672w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><figcaption class=\"wp-element-caption\"><strong>1% vs 80\/20 vs 60\/40 Payment Plans<\/strong><\/figcaption><\/figure>\n<\/div>\n\n\n<p class=\"wp-block-paragraph\">A \u201c1% monthly\u201d offer instead describes the size of recurring instalments. It may also require a down payment and a handover balance.<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><td>Illustrative plan on an AED 1 million property<\/td><td>Paid before handover<\/td><td>Due at handover<\/td><\/tr><tr><td>1% monthly: 20% down plus 48 monthly payments<\/td><td>AED 680,000<\/td><td>AED 320,000<\/td><\/tr><tr><td>80\/20: 80% before handover, 20% at handover<\/td><td>AED 800,000<\/td><td>AED 200,000<\/td><\/tr><tr><td>60\/40: 60% before handover, 40% at handover<\/td><td>AED 600,000<\/td><td>AED 400,000<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">Each example totals AED 1 million before transaction charges. Compare the dated instalments and the largest payment, not the plan\u2019s label: an 80\/20 or 60\/40 offer could distribute its first portion very differently from the 1% example. When comparing <a href=\"https:\/\/shozon.com\/en\/uae\/property-for-sale\/off-plan\"><strong>off-plan properties for sale<\/strong><\/a>, request the dated schedule for each shortlisted unit.<\/p>\n\n\n\n<h2 id=\"h-do-1-payments-continue-after-handover\" class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Do_1_Payments_Continue_After_Handover\"><\/span>Do 1% Payments Continue After Handover?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">A post-handover payment plan offered by a Dubai developer allows part of the purchase price to remain payable after handover.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">For example, an illustrative AED 1 million plan could require 10% initially, 40% during construction and 10% at handover. The remaining 40% could then be paid through forty monthly instalments of AED 10,000. Another unit advertised with \u201c1% monthly\u201d might instead require its full outstanding balance at handover.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Before relying on post-handover payments, confirm:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>The balance due before you can take possession.<\/li>\n\n\n\n<li>The number, amount and dates of payments after handover.<\/li>\n\n\n\n<li>Any additional lump sums or charges.<\/li>\n\n\n\n<li>When service charges begin and what happens if a payment is late.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Rent may help an owner meet later instalments, but the unit might not be leased immediately. Check that the payments remain affordable without prompt rental income. Shozon\u2019s <a href=\"https:\/\/shozon.com\/blog\/property\/is-off-plan-property-a-good-investment-dubai\"><strong>off-plan investment guide<\/strong><\/a> covers the wider rental and resale decision.<\/p>\n\n\n\n<h2 id=\"h-can-a-mortgage-cover-the-handover-balance\" class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Can_a_Mortgage_Cover_the_Handover_Balance\"><\/span>Can a Mortgage Cover the Handover Balance?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">A mortgage may help fund the amount due at handover, but the buyer must qualify for it, and the lender must accept the property. Approval, the property valuation, and the amount available cannot be assumed when signing a developer payment plan.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The <a href=\"https:\/\/rulebook.centralbank.ae\/en\/entiresection\/1793\">UAE Central Bank\u2019s mortgage rules<\/a> cap the loan-to-value ratio at 50% for a property being purchased off-plan. If finance is assessed after completion, the applicable category may differ; the lender must still assess the buyer and property. Confirm the terms with a lender before relying on a mortgage to pay the handover balance.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Before booking, ask a lender what documents and conditions would apply to the planned financing. Budget for any gap between the handover balance and the amount ultimately approved, as well as mortgage-related charges.<\/p>\n\n\n\n<h2 id=\"h-what-are-the-risks-specific-to-a-1-payment-plan\" class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"What_Are_the_Risks_Specific_to_a_1_Payment_Plan\"><\/span>What Are the Risks Specific to a 1% Payment Plan?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<h3 id=\"h-1-a-large-balance-may-remain-at-handover\" class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"1_A_Large_Balance_May_Remain_at_Handover\"><\/span>1. A Large Balance May Remain at Handover<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">In the first AED 1 million example, forty-eight payments of AED 10,000 still leave AED 320,000 due at handover. Identify how you will fund that amount before committing to the monthly schedule.<\/p>\n\n\n\n<h3 id=\"h-2-a-changed-handover-date-can-affect-your-budget\" class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"2_A_Changed_Handover_Date_Can_Affect_Your_Budget\"><\/span>2. A Changed Handover Date Can Affect Your Budget<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">A later handover may extend the period in which you pay rent alongside property instalments. Check whether payments follow fixed dates or construction milestones, and read the SPA provisions covering changes to the expected completion date. Do not assume that payments automatically pause during a delay.<\/p>\n\n\n\n<h3 id=\"h-3-missing-an-instalment-has-consequences\" class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"3_Missing_an_Instalment_Has_Consequences\"><\/span>3. Missing an Instalment Has Consequences<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Review the SPA\u2019s payment, notice, termination, and refund terms. Dubai Land Department\u2019s <a href=\"https:\/\/dubailand.gov.ae\/en\/eservices\/request-for-termination-of-initial-registration\/\">termination of initial registration procedure<\/a> sets out a notice process for applicable off-plan payment defaults. The outcome depends on the contract and the applicable procedure; one missed instalment does not, by itself, establish that every amount paid will be lost.<\/p>\n\n\n\n<h3 id=\"h-4-a-planned-sale-may-not-fund-the-next-payment\" class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"4_A_Planned_Sale_May_Not_Fund_the_Next_Payment\"><\/span>4. A Planned Sale May Not Fund the Next Payment<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">If you expect to sell before handover, check for any developer approvals, payment thresholds, and transfer conditions in the SPA. Assess the rental and resale assumptions behind your plan, and keep a way to meet the next instalment if the property does not sell when expected.<\/p>\n\n\n\n<h2 id=\"h-what-should-you-verify-before-paying-a-booking-amount\" class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"What_Should_You_Verify_Before_Paying_a_Booking_Amount\"><\/span>What Should You Verify Before Paying a Booking Amount?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Request the terms for <strong>the selected unit<\/strong>, since a project advertisement may not show every payment or condition that applies to it.<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><td><strong>Ask for<\/strong><\/td><td><strong>What to confirm<\/strong><\/td><\/tr><tr><td>Unit-specific price and dated schedule<\/td><td>The down payment, number of 1% instalments and total price payable<\/td><\/tr><tr><td>Booking terms<\/td><td>Whether the payment counts towards the down payment and when it may be refunded<\/td><\/tr><tr><td>Milestone and handover amounts<\/td><td>Every payment outside the monthly instalments<\/td><\/tr><tr><td>Post-handover schedule, if offered<\/td><td>The outstanding balance, payment dates and conditions for possession<\/td><\/tr><tr><td>Itemised charges<\/td><td>What must be paid in addition to the property price, and when<\/td><\/tr><tr><td>SPA terms<\/td><td>What happens if handover changes, a payment is missed or you need to sell<\/td><\/tr><tr><td>Project and payment details<\/td><td>Whether the project status and proposed payment instructions match official information<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">Check the project through Dubai Land Department\u2019s <a href=\"https:\/\/dubailand.gov.ae\/en\/eservices\/real-estate-project-status-landing\/\">project-status enquiry<\/a>, available on its website and Dubai REST. Then compare the payment instructions with the documents for the selected unit.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">If the advertisement and unit-specific schedule differ, request a corrected schedule before paying the booking amount.<\/p>\n\n\n\n<h2 id=\"h-who-might-find-a-1-plan-suitable\" class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Who_Might_Find_a_1_Plan_Suitable\"><\/span>Who Might Find a 1% Plan Suitable?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">A 1% plan may suit a buyer who can cover the initial payment and fees, make the monthly instalments alongside existing expenses, and fund any balance at handover. The property price and full schedule matter more than the advertised monthly percentage.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">It may be unsuitable if the booking payment would exhaust the buyer&#8217;s savings, income is too uncertain to support the instalments, or the handover balance depends entirely on an unapproved mortgage or a quick resale. In that case, compare ready <strong><a href=\"https:\/\/shozon.com\/ar\/uae\/property-for-sale\">properties for sale in UAE<\/a><\/strong>, where the price and financing are settled at transfer rather than spread over a construction period.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The decision rests on whether <strong>every payment remains manageable when it falls due<\/strong>, while leaving room for ordinary expenses and a cash reserve.<\/p>\n\n\n\n<h2 id=\"h-check-the-full-payment-schedule-before-you-book\" class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Check_the_Full_Payment_Schedule_Before_You_Book\"><\/span>Check the Full Payment Schedule Before You Book<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1672\" height=\"941\" src=\"https:\/\/shozon.com\/blog\/wp-content\/uploads\/2026\/10\/buyer-checklist-before-booking.webp\" alt=\"Buyer Checklist Before Booking\" class=\"wp-image-8770\" srcset=\"https:\/\/shozon.com\/blog\/wp-content\/uploads\/2026\/10\/buyer-checklist-before-booking.webp 1672w, https:\/\/shozon.com\/blog\/wp-content\/uploads\/2026\/10\/buyer-checklist-before-booking-300x169.webp 300w, https:\/\/shozon.com\/blog\/wp-content\/uploads\/2026\/10\/buyer-checklist-before-booking-768x432.webp 768w, https:\/\/shozon.com\/blog\/wp-content\/uploads\/2026\/10\/buyer-checklist-before-booking-1024x576.webp 1024w, https:\/\/shozon.com\/blog\/wp-content\/uploads\/2026\/10\/buyer-checklist-before-booking-1536x864.webp 1536w\" sizes=\"(max-width: 1672px) 100vw, 1672px\" \/><figcaption class=\"wp-element-caption\"><strong>Buyer Checklist Before Booking<\/strong><\/figcaption><\/figure>\n<\/div>\n\n\n<p class=\"wp-block-paragraph\">Compare offers by the <strong>total price, cash required upfront, monthly instalments, and amount due at handover<\/strong>. If you cannot identify a reliable way to fund the largest payment, the advertised 1% monthly figure is not enough to establish that the property is affordable.<\/p>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\"><a href=\"https:\/\/shozon.com\"><strong>Explore more properties on Shozon<\/strong><\/a><\/p>\n\n\n\n<h2 id=\"h-faqs-about-1-payment-plans-in-dubai\" class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"FAQs_About_1_Payment_Plans_in_Dubai\"><\/span>FAQs About 1% Payment Plans in Dubai<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<div class=\"schema-faq wp-block-yoast-faq-block\"><div class=\"schema-faq-section\" id=\"faq-question-1790824029248\"><h3 class=\"schema-faq-question\"><span class=\"ez-toc-section\" id=\"What_is_a_1_payment_plan_in_Dubai\"><\/span>What is a 1% payment plan in Dubai?<span class=\"ez-toc-section-end\"><\/span><\/h3> <p class=\"schema-faq-answer\">It generally means scheduled monthly payments of 1% of the property price, in addition to any separate down payment, fees, and the remaining balance in the SPA.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1790824059206\"><h3 class=\"schema-faq-question\"><span class=\"ez-toc-section\" id=\"Is_a_1_monthly_payment_plan_available_in_Dubai\"><\/span>Is a 1% monthly payment plan available in Dubai?<span class=\"ez-toc-section-end\"><\/span><\/h3> <p class=\"schema-faq-answer\">Yes, selected developers offer 1% monthly instalments, but availability and the complete terms depend on the project and unit.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1790824071665\"><h3 class=\"schema-faq-question\"><span class=\"ez-toc-section\" id=\"Do_1_payments_continue_after_handover\"><\/span>Do 1% payments continue after handover?<span class=\"ez-toc-section-end\"><\/span><\/h3> <p class=\"schema-faq-answer\">Only if the selected unit\u2019s SPA includes post-handover instalments. Otherwise, the remaining balance may be due at handover.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1790824085472\"><h3 class=\"schema-faq-question\"><span class=\"ez-toc-section\" id=\"What_happens_if_I_miss_a_payment_on_a_1_plan\"><\/span>What happens if I miss a payment on a 1% plan?<span class=\"ez-toc-section-end\"><\/span><\/h3> <p class=\"schema-faq-answer\">Check the SPA for the payment deadline, notice process, and consequences of missed instalments. A missed payment does not automatically cancel every contract.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1790824101211\"><h3 class=\"schema-faq-question\"><span class=\"ez-toc-section\" id=\"Which_is_the_best_payment_plan\"><\/span>Which is the best payment plan?<span class=\"ez-toc-section-end\"><\/span><\/h3> <p class=\"schema-faq-answer\">The best plan is the one whose full price, dated payments, and largest future balance fit the buyer\u2019s funds and the property\u2019s value.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1790824116874\"><h3 class=\"schema-faq-question\"><span class=\"ez-toc-section\" id=\"Can_I_get_a_mortgage_in_the_UAE_without_a_down_payment\"><\/span>Can I get a mortgage in the UAE without a down payment?<span class=\"ez-toc-section-end\"><\/span><\/h3> <p class=\"schema-faq-answer\">Do not assume so; mortgage lending is subject to loan-to-value limits, lender approval, and the buyer\u2019s own funding contribution.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1790824132453\"><h3 class=\"schema-faq-question\"><span class=\"ez-toc-section\" id=\"Can_you_get_a_100_mortgage_in_Dubai\"><\/span>Can you get a 100% mortgage in Dubai?<span class=\"ez-toc-section-end\"><\/span><\/h3> <p class=\"schema-faq-answer\">A buyer should not plan on a 100% mortgage, as applicable lending limits and lender assessments require a contribution from other funds.<\/p> <\/div> <\/div>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Sources<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><a href=\"https:\/\/dubailand.gov.ae\/en\/eservices\/request-to-register-the-initial-sale\/\">Dubai Land Department<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.centralbank.ae\/media\/z2ehyurg\/mortgageloanregulations_1.pdf\">Central Bank of the UAE<\/a><\/li>\n<\/ul>\n","protected":false},"excerpt":{"rendered":"<p>Dubai developers often advertise off-plan units with 1% monthly payment plans. The headline figure looks small, but it describes only one part of the payment [&hellip;]<\/p>\n","protected":false},"author":17,"featured_media":8764,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[9],"tags":[],"class_list":["post-8730","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-property"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v28.6 (Yoast SEO v28.6) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>1% Payment Plan Dubai: How It Works and Costs | Shozon<\/title>\n<meta name=\"description\" content=\"Explore the 1% payment plan Dubai buyers see advertised. Calculate deposits, monthly instalments, handover balances, and fees before you buy. Compare costs.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/shozon.com\/blog\/property\/1-percent-payment-plan-dubai\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"What Is a 1% Payment Plan in Dubai? How It Works, Costs and Risks\" \/>\n<meta property=\"og:description\" content=\"Explore the 1% payment plan Dubai buyers see advertised. Calculate deposits, monthly instalments, handover balances, and fees before you buy. 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