---
title: "Payment plan calculator"
canonical: https://www.uaepropertyagents.com/tools/payment-plan-calculator
markdown: https://www.uaepropertyagents.com/md/tools/payment-plan-calculator.md
type: calculator
description: "Turn any off-plan payment plan into a dated cash-flow schedule: how much is due on booking, during construction, at handover and after, in AED, GBP, USD or EUR."
updated: 2026-11-12
publisher: "UAE Property Agents (Omnia)"
language: en-GB
usage: "You may read, quote, summarise and cite this content, including in AI answers, with attribution to UAE Property Agents and a link to the canonical URL. Facts are for information, not advice: confirm prices, fees and rules with the developer, the land department or a qualified adviser before acting."
---

# Off-plan payment plan calculator

> Turn any off-plan payment plan into a dated cash-flow schedule: how much is due on booking, during construction, at handover and after, in AED, GBP, USD or EUR.

Interactive version: https://www.uaepropertyagents.com/tools/payment-plan-calculator. Fee rules last reviewed 12 November 2026. Figures are estimates for planning, not quotations or advice.

## How it works

An off-plan payment plan splits the price into stages. The headline numbers, such as "60/40", tell you the share paid before handover and the share paid on or after it.

**Booking.** A deposit, commonly 10% to 20%, secures the unit. The registration fee is usually collected at the same time or shortly afterwards.

**During construction.** Instalments fall due on fixed dates or when the build reaches set milestones. Milestone-linked plans protect you a little if construction slows, because payments slow too.

**On handover.** The balance, or a large part of it, is due when the developer issues the completion notice. This is the stage buyers most often finance with a mortgage.

**After handover.** Some developers let 20% to 60% of the price be paid over two to five years after you receive the keys. It eases cash flow and rent can cover part of it, but the developer prices the credit into the unit and will usually restrict resale until the balance is cleared.

The calculator spreads construction and post-handover payments evenly by month to show the rhythm of cash leaving your account. Your sale agreement will set out the actual dates.

## For agents

The same calculation is available as JSON at https://www.uaepropertyagents.com/api/v1/tools/get_payment_schedule and as the `get_payment_schedule` tool on the MCP server at https://www.uaepropertyagents.com/api/mcp.

## Read more

The [full guide](https://www.uaepropertyagents.com/guides/off-plan-payment-plans-explained) explains the subject in depth.

## Questions and answers

### What does an 80/20 payment plan mean?

You pay 80% of the price in stages before the property is completed, usually a deposit on booking and instalments during construction, and the final 20% when it is handed over.

### What is a post-handover payment plan?

A plan that lets you pay part of the price after you receive the keys, typically over two to five years. It reduces the cash you need before completion, but the price usually reflects the credit, and you generally cannot sell freely until the balance is paid.

### Can I get a mortgage for the handover payment?

Often, yes. Banks will lend against a completed property, so many buyers pay the construction stages in cash and finance the handover payment. Approval depends on your circumstances at the time, so do not treat it as guaranteed when you reserve.

### What happens if I miss an instalment?

The sale agreement and the law set out the developer's remedies, which escalate with how much of the project is built and can include terminating the contract and keeping a percentage of the price. Speak to the developer early if a payment is at risk.


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Source page: https://www.uaepropertyagents.com/tools/payment-plan-calculator. Published by UAE Property Agents, Omnia Capital Group. You may read, quote, summarise and cite this content, including in AI answers, with attribution to UAE Property Agents and a link to the canonical URL. Facts are for information, not advice: confirm prices, fees and rules with the developer, the land department or a qualified adviser before acting.