1% payment plan
1% monthly payment plan properties in Dubai
On a 1% monthly payment plan you pay a down payment at booking, then 1% of the purchase price every month until the balance is cleared, sometimes continuing after handover. For every AED 1,000,000 of price, 1% is AED 10,000 a month. The listings below are projects with a 1% monthly plan confirmed by the developer.
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Nearby options
- Monthly payment
- 1% of the price (AED 10,000 per AED 1m)
- Duration
- Remaining % after the down payment, in months
- Also due at booking
- Down payment + usually the 4% DLD fee
- Watch for
- Total price vs a shorter plan
How does a 1% monthly payment plan work?
You pay a down payment when you book (set by the developer), then 1% of the purchase price every month. Some plans also include a larger payment on handover; others keep the 1% monthly instalments running after you receive the keys, which makes them a post-handover plan as well. Payments go into the project's escrow account.
How long does a 1% monthly plan last?
Each month clears 1% of the price, so the number of months equals the percentage left after the down payment and any lump sums. For example, after a 20% down payment, the remaining 80% at 1% a month takes 80 months, about 6 years and 8 months. If there is also a handover payment, the monthly period is shorter. Check the exact schedule in the SPA.
What should you check on a 1% plan?
- Total price. Compare the price with the same unit on a shorter plan; longer plans are sometimes priced higher.
- After handover. Find out whether monthly payments continue after you receive the keys, and for how long.
- Project registration and escrow. Confirm the project on Dubai REST and pay only into the registered escrow account.
- The SPA schedule. Make sure every percentage and date in the offer is written into the sale and purchase agreement.
- Fees on top. The 4% DLD registration fee is usually due at booking, in addition to the down payment, together with smaller admin fees.
- Missed payments. Read what happens if a payment is late: penalties, and the developer's rights under the SPA.
- Selling before handover. Many developers allow resale (assignment) only after a set percentage has been paid. Check the threshold and any fee.
- Title deed timing. Ask when the title deed will be issued in your name, especially if payments continue after handover.
Is a 1% monthly payment plan right for you?
It suits buyers who prefer steady monthly payments to large lump sums and who are comfortable committing for several years. It is less suitable if you plan to sell soon after handover, or if the monthly amount would stretch your budget once service charges and other costs start. Use our buying cost calculator to see the full picture.
Questions people ask
What is a 1% payment plan in Dubai?
A plan where, after a down payment at booking, you pay 1% of the property price every month until the balance is paid, sometimes continuing after handover.
How much is 1% per month on a Dubai property?
1% of the purchase price: AED 10,000 a month for every AED 1,000,000 of price. On an AED 800,000 unit it is AED 8,000 a month.
How many years does a 1% monthly plan take?
As many months as the percentage left after the down payment and any lump sums. 80% remaining takes 80 months, about 6 years 8 months.
Can I sell a property on a 1% monthly plan before it is fully paid?
Often only after a minimum percentage has been paid, and with the developer's approval and fee. Check the resale (assignment) terms in the SPA before you book.
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