{"id":14874,"date":"2026-11-02T09:00:00","date_gmt":"2026-11-02T05:00:00","guid":{"rendered":"https:\/\/re.redwoodheritage.com\/dubai-payment-plan-expensive-purchase\/"},"modified":"2026-11-14T13:29:06","modified_gmt":"2026-11-14T09:29:06","slug":"dubai-payment-plan-expensive-purchase","status":"publish","type":"post","link":"https:\/\/re.redwoodheritage.com\/ru\/dubai-payment-plan-expensive-purchase\/","title":{"rendered":"An Attractive Payment Plan Can Hide an Expensive Purchase"},"content":{"rendered":"<style>#brxe-rwbyav,#brxe-rwauti{content:url(https:\/\/re.redwoodheritage.com\/wp-content\/uploads\/2026\/10\/rwh-house-malika-studio.webp);object-fit:cover;object-position:center top}<\/style>\n<div style=\"border-top:1px solid #C8AB7B;border-bottom:1px solid #C8AB7B;padding:16px 0;margin:0 0 36px;font-size:14px;line-height:1.6;color:#6E625B\"><span style=\"font-size:11px;letter-spacing:.22em;text-transform:uppercase;color:#8B6E5D;display:block;margin-bottom:6px\">The Dubai Property Briefing<\/span>\u041a <strong style=\"color:#322825\">\u041c\u0430\u043b\u0438\u043a\u0430 \u0410\u043b\u044c \u041c\u0435\u043b\u043b\u0443\u043a\u0438<\/strong>, Founder &amp; CEO, Redwood Heritage Real Estate. First published on LinkedIn on 2 November 2026. <a href=\"https:\/\/www.linkedin.com\/pulse\/attractive-payment-plan-can-hide-expensive-purchase-al-mellouki-pqlff\/\" target=\"_blank\" rel=\"noopener nofollow\" style=\"color:#440E0C\">Read the original edition<\/a>.<\/div>\n<p>Most off plan launches in Dubai lead with the payment plan. Ten percent to book, small instalments during construction, half the price spread over the years after handover. For many buyers it is the reason the purchase feels possible.<\/p>\n<p>A payment plan is a valuable tool. It decides how you pay, though, and has no bearing on what you pay. The two are easy to confuse when the brochure puts the plan in large type and the price in small.<\/p>\n<p>This matters to most buyers in the market. Our analysis of Dubai Land Department sales records shows that about three in four apartment sales registered in Dubai between January and August 2026 were off plan. For most apartment buyers, the payment plan is part of the decision.<\/p>\n<h2>Start with the price per square foot<\/h2>\n<p>The first number to look at is the price per square foot, compared with what similar homes nearby have actually sold for. The Dubai Land Department publishes registered sale prices, so this comparison is available to every buyer.<\/p>\n<p>A generous plan can carry a higher price. The developer is financing part of your purchase, and that financing has a cost. Sometimes it is built into the price you pay.<\/p>\n<p>There is a second effect. The price you pay today becomes the benchmark when you sell. A buyer who pays well above comparable sales needs the market to rise further before the property shows a gain. The next buyer will look at the same registered prices you did, and will not pay extra for a plan they are not receiving.<\/p>\n<p>It also helps to compare like with like. Two launches in the same community can differ in view, floor, layout and finish, and those features can justify a higher price. A flexible plan is not one of them.<\/p>\n<h2>Put a number on the plan<\/h2>\n<p>The useful exercise is to set a money value on the plan itself, then compare it with any premium in the price.<\/p>\n<div style=\"background:#440E0C;padding:34px 28px;margin:36px 0;border-radius:2px\"><span style=\"font-size:11px;letter-spacing:.22em;text-transform:uppercase;color:#C8AB7B\">The Dubai Property Briefing &nbsp;|&nbsp; Edition 04<\/span><span style=\"display:block;font-family:Cambon,Georgia,serif;font-size:30px;line-height:1.15;color:#fff;margin:10px 0 6px\">Two offers, one apartment<\/span><span style=\"display:block;font-size:14px;color:#E9DFD2;margin-bottom:6px\">A hypothetical 800 sq ft apartment<\/span><span style=\"display:block;width:48px;height:1px;background:#C8AB7B;margin:14px 0 22px\"><\/span><\/p>\n<div style=\"display:grid;grid-template-columns:repeat(auto-fit,minmax(220px,1fr));gap:14px\">\n<div style=\"background:#5A1B18;padding:20px\"><span style=\"display:block;font-family:Cambon,Georgia,serif;font-size:22px;color:#C8AB7B;margin-bottom:12px\">Offer A: Flexible plan<\/span><span style=\"display:block;font-size:10.5px;letter-spacing:.18em;text-transform:uppercase;color:#C8AB7B;opacity:.85;margin-top:12px\">\u0426\u0435\u043d\u0430<\/span><span style=\"display:block;font-size:15px;line-height:1.5;color:#fff\">AED 1,600,000<\/span><span style=\"display:block;font-size:10.5px;letter-spacing:.18em;text-transform:uppercase;color:#C8AB7B;opacity:.85;margin-top:12px\">Price per sq ft<\/span><span style=\"display:block;font-size:15px;line-height:1.5;color:#fff\">AED 2,000<\/span><span style=\"display:block;font-size:10.5px;letter-spacing:.18em;text-transform:uppercase;color:#C8AB7B;opacity:.85;margin-top:12px\">Paid before handover<\/span><span style=\"display:block;font-size:15px;line-height:1.5;color:#fff\">50%<\/span><span style=\"display:block;font-size:10.5px;letter-spacing:.18em;text-transform:uppercase;color:#C8AB7B;opacity:.85;margin-top:12px\">Balance<\/span><span style=\"display:block;font-size:15px;line-height:1.5;color:#fff\">Over 3 years after<\/span><\/div>\n<div style=\"background:#5A1B18;padding:20px\"><span style=\"display:block;font-family:Cambon,Georgia,serif;font-size:22px;color:#C8AB7B;margin-bottom:12px\">Offer B: Pay at handover<\/span><span style=\"display:block;font-size:10.5px;letter-spacing:.18em;text-transform:uppercase;color:#C8AB7B;opacity:.85;margin-top:12px\">\u0426\u0435\u043d\u0430<\/span><span style=\"display:block;font-size:15px;line-height:1.5;color:#fff\">AED 1,440,000<\/span><span style=\"display:block;font-size:10.5px;letter-spacing:.18em;text-transform:uppercase;color:#C8AB7B;opacity:.85;margin-top:12px\">Price per sq ft<\/span><span style=\"display:block;font-size:15px;line-height:1.5;color:#fff\">AED 1,800<\/span><span style=\"display:block;font-size:10.5px;letter-spacing:.18em;text-transform:uppercase;color:#C8AB7B;opacity:.85;margin-top:12px\">Paid before handover<\/span><span style=\"display:block;font-size:15px;line-height:1.5;color:#fff\">50%<\/span><span style=\"display:block;font-size:10.5px;letter-spacing:.18em;text-transform:uppercase;color:#C8AB7B;opacity:.85;margin-top:12px\">Balance<\/span><span style=\"display:block;font-size:15px;line-height:1.5;color:#fff\">On handover<\/span><\/div>\n<\/div>\n<div style=\"display:grid;grid-template-columns:repeat(auto-fit,minmax(220px,1fr));gap:14px;margin-top:14px\">\n<div style=\"padding:16px 4px\"><span style=\"display:block;font-size:10.5px;letter-spacing:.18em;text-transform:uppercase;color:#C8AB7B\">What the plan costs<\/span><span style=\"display:block;font-family:Cambon,Georgia,serif;font-size:30px;color:#fff\">AED 160,000<\/span><span style=\"display:block;font-size:14px;color:#E9DFD2\">more for Offer A<\/span><\/div>\n<div style=\"padding:16px 4px\"><span style=\"display:block;font-size:10.5px;letter-spacing:.18em;text-transform:uppercase;color:#C8AB7B\">What the plan is worth<\/span><span style=\"display:block;font-family:Cambon,Georgia,serif;font-size:30px;color:#fff\">About AED 48,000<\/span><span style=\"display:block;font-size:14px;color:#E9DFD2\">AED 800,000 kept for 18 months<\/span><\/div>\n<\/div>\n<p><span style=\"display:block;font-size:12.5px;line-height:1.5;color:#E9DFD2;opacity:.85;margin-top:18px\">Hypothetical. Assumes cash earns 4% a year, simple interest, with the balance paid in equal instalments over 3 years. Not an actual project.<\/span><\/div>\n<p>In this hypothetical example, the more flexible plan costs AED 160,000 more. The time it gives you is worth about AED 48,000 at the assumed rate of return. The plan is pleasant, but the buyer pays more than three times its value for it.<\/p>\n<p>The comparison will not always fall this way. Some developers offer flexible plans at a fair price, and some buyers value the flexibility more than the money, perhaps because their capital is committed elsewhere. The point is to make that choice knowingly, with both numbers on the table.<\/p>\n<h2>Ask what happens after handover<\/h2>\n<p>A plan that runs beyond handover also shapes what you can do with the property. If you want to sell before the last instalment, the developer&#8217;s terms decide how that works. If you rent the apartment out, the rent may need to cover the instalments for several years.<\/p>\n<p>Take the flexible offer in the example. After handover, the buyer owes about AED 267,000 a year for three years. If the apartment is let, that figure sits beside the rent, the service charges and any weeks between tenants. Most investors who buy on a long plan find it worth working out, before signing, how much of each instalment the rent would cover.<\/p>\n<div style=\"background:#440E0C;padding:34px 28px;margin:36px 0;border-radius:2px\"><span style=\"font-size:11px;letter-spacing:.22em;text-transform:uppercase;color:#C8AB7B\">The Dubai Property Briefing &nbsp;|&nbsp; Edition 04<\/span><span style=\"display:block;font-family:Cambon,Georgia,serif;font-size:30px;line-height:1.15;color:#fff;margin:10px 0 6px\">Before you sign a payment plan<\/span><span style=\"display:block;font-size:14px;color:#E9DFD2;margin-bottom:6px\">Four questions to ask<\/span><span style=\"display:block;width:48px;height:1px;background:#C8AB7B;margin:14px 0 22px\"><\/span><\/p>\n<div style=\"display:flex;gap:18px;padding:14px 0;border-top:1px solid rgba(200,171,123,.35)\"><span style=\"font-family:Cambon,Georgia,serif;font-size:24px;color:#C8AB7B;min-width:30px\">01<\/span><span style=\"flex:1\"><span style=\"display:block;font-size:16px;line-height:1.45;color:#fff;font-weight:600\">The price per square foot<\/span><span style=\"display:block;font-size:14px;line-height:1.55;color:#E9DFD2;margin-top:4px\">How does it compare with registered sales of similar homes nearby?<\/span><\/span><\/div>\n<div style=\"display:flex;gap:18px;padding:14px 0;border-top:1px solid rgba(200,171,123,.35)\"><span style=\"font-family:Cambon,Georgia,serif;font-size:24px;color:#C8AB7B;min-width:30px\">02<\/span><span style=\"flex:1\"><span style=\"display:block;font-size:16px;line-height:1.45;color:#fff;font-weight:600\">The price for paying sooner<\/span><span style=\"display:block;font-size:14px;line-height:1.55;color:#E9DFD2;margin-top:4px\">What would the price be if you paid in full on handover?<\/span><\/span><\/div>\n<div style=\"display:flex;gap:18px;padding:14px 0;border-top:1px solid rgba(200,171,123,.35)\"><span style=\"font-family:Cambon,Georgia,serif;font-size:24px;color:#C8AB7B;min-width:30px\">03<\/span><span style=\"flex:1\"><span style=\"display:block;font-size:16px;line-height:1.45;color:#fff;font-weight:600\">Selling before the last instalment<\/span><span style=\"display:block;font-size:14px;line-height:1.55;color:#E9DFD2;margin-top:4px\">What do the developer&#8217;s terms allow, and at what cost?<\/span><\/span><\/div>\n<div style=\"display:flex;gap:18px;padding:14px 0;border-top:1px solid rgba(200,171,123,.35)\"><span style=\"font-family:Cambon,Georgia,serif;font-size:24px;color:#C8AB7B;min-width:30px\">04<\/span><span style=\"flex:1\"><span style=\"display:block;font-size:16px;line-height:1.45;color:#fff;font-weight:600\">The instalments after handover<\/span><span style=\"display:block;font-size:14px;line-height:1.55;color:#E9DFD2;margin-top:4px\">How much of each one would the expected rent cover?<\/span><\/span><\/div>\n<p><span style=\"display:block;font-size:12.5px;line-height:1.5;color:#E9DFD2;opacity:.85;margin-top:18px\">A starting point for review, not financial advice.<\/span><\/div>\n<p>None of this makes off plan buying less attractive. Well chosen off plan purchases have served many investors well in Dubai, and a good plan can help a buyer build a position over time. The buyers who do best tend to negotiate on price first and on the plan second.<\/p>\n<p>Before you sign, ask one question: what price would I be offered if I paid in full on handover?<\/p>\n<div style=\"border:1px solid #C8AB7B;padding:28px 26px;margin:44px 0 28px;background:#fff\"><span style=\"display:block;font-size:11px;letter-spacing:.22em;text-transform:uppercase;color:#8B6E5D;margin-bottom:8px\">The Dubai Property Briefing<\/span><span style=\"display:block;font-size:16px;line-height:1.65;color:#322825\">One idea every two weeks from Malika Al Mellouki, written to help you buy, own and invest in Dubai with confidence. <a href=\"https:\/\/www.linkedin.com\/newsletters\/the-dubai-property-briefing-7513573150744428548\/\" target=\"_blank\" rel=\"noopener nofollow\" style=\"color:#440E0C\">Subscribe on LinkedIn<\/a> \u0438\u043b\u0438 <a href=\"https:\/\/www.linkedin.com\/pulse\/attractive-payment-plan-can-hide-expensive-purchase-al-mellouki-pqlff\/\" target=\"_blank\" rel=\"noopener nofollow\" style=\"color:#440E0C\">join the conversation on this edition<\/a>.<\/span><span style=\"display:block;font-size:16px;line-height:1.65;color:#322825;margin-top:12px\">Looking at a specific property? <a href=\"\/ru\/%d0%b7%d0%b0%d0%ba%d0%b0%d0%b7%d0%b0%d1%82%d1%8c-%d0%ba%d0%be%d0%bd%d1%81%d1%83%d0%bb%d1%8c%d1%82%d0%b0%d1%86%d0%b8%d1%8e\/\" style=\"color:#440E0C\">\u0417\u0430\u043f\u0438\u0441\u0430\u0442\u044c\u0441\u044f \u043d\u0430 \u0447\u0430\u0441\u0442\u043d\u0443\u044e \u043a\u043e\u043d\u0441\u0443\u043b\u044c\u0442\u0430\u0446\u0438\u044e<\/a> with our team in DIFC.<\/span><\/div>\n<p style=\"font-size:12.5px;line-height:1.6;color:#6E625B\">Sources: Redwood Heritage Real Estate analysis of Dubai Land Department registered sales, January to August 2026 (apartments recorded as units: 94,653 sales, of which about 74% were off plan). The worked example is hypothetical and for illustration only.<\/p>","protected":false},"excerpt":{"rendered":"<p>A payment plan decides how you pay, not what you pay. Malika Al Mellouki on putting a money value on a Dubai off plan payment plan.<\/p>","protected":false},"author":5,"featured_media":14873,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[3],"tags":[],"class_list":["post-14874","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-capital-signals"],"acf":[],"_links":{"self":[{"href":"https:\/\/re.redwoodheritage.com\/ru\/wp-json\/wp\/v2\/posts\/14874","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/re.redwoodheritage.com\/ru\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/re.redwoodheritage.com\/ru\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/re.redwoodheritage.com\/ru\/wp-json\/wp\/v2\/users\/5"}],"replies":[{"embeddable":true,"href":"https:\/\/re.redwoodheritage.com\/ru\/wp-json\/wp\/v2\/comments?post=14874"}],"version-history":[{"count":2,"href":"https:\/\/re.redwoodheritage.com\/ru\/wp-json\/wp\/v2\/posts\/14874\/revisions"}],"predecessor-version":[{"id":14894,"href":"https:\/\/re.redwoodheritage.com\/ru\/wp-json\/wp\/v2\/posts\/14874\/revisions\/14894"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/re.redwoodheritage.com\/ru\/wp-json\/wp\/v2\/media\/14873"}],"wp:attachment":[{"href":"https:\/\/re.redwoodheritage.com\/ru\/wp-json\/wp\/v2\/media?parent=14874"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/re.redwoodheritage.com\/ru\/wp-json\/wp\/v2\/categories?post=14874"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/re.redwoodheritage.com\/ru\/wp-json\/wp\/v2\/tags?post=14874"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}