Verified
7AED 727,000· AED 1,490/sqft
High Floor | Luxury Furnished | Handover Soon
Studio 1 488 sqft
Dubai Science Park, Vincitore Aqua Dimore, Dubai Science Park, Dubai
Listed 3 weeks ago
Shadab Basha
Property Consultant
Apartment Off-plan
Off-plan apartments for sale in Dubai
Browse off-plan apartments for sale in Dubai with Capital Western — verified listings, transparent prices and expert local agents.
AED 1,728,999· AED 1,372/sqft
Smart Layout | 2 Bedroom + Study | Garden View
2 3 1,260 sqft
Jumeirah Village Circle, Lucky Royale Residence, District 10, Jumeirah Village Circle, Dubai
Listed 3 weeks ago
Nona Farjou
Property Consultant
AED 1,269,999· AED 1,586/sqft
1 Bedroom + Study | Modern Living | Prime Location
1 2 801 sqft
Jumeirah Village Circle, Lucky Royale Residence, District 10, Jumeirah Village Circle, Dubai
Listed 3 weeks ago
Nona Farjou
Property Consultant
Verified
10AED 1,200,000· AED 1,054/sqft
Brand New 2BR | Close to Handover | Prime Location
2 3 1,138 sqft
Arjan, Aryene Greens, Arjan, Dubai
Listed 3 weeks ago
Maya Ovezova
Real Estate Agent
AED 1,385,000· AED 3,445/sqft
Prime Location | Iconic Brand | Limited Units
Studio 1 402 sqft
Nad Al Sheba, Maybach Six, Nad Al Sheba 1, Nad Al Sheba, Dubai
Listed 3 weeks ago
Maya Ovezova
Real Estate Agent
Verified
12AED 3,400,000· AED 2,597/sqft
Luxurious 2BR | Prime Location | Best Price
2 3 1,309 sqft
Dubai Media City, Cavalli Casa Tower, Dubai Media City, Dubai
Listed 3 weeks ago
Lorna S. Gatchalian
Property Consultant
AED 404,800· AED 1,041/sqft
No Commission | Verdana Residence in DIP
Studio 1 389 sqft
Dubai Investment Park (DIP), Verdana Residence 6, Verdana 6, Verdana, Dubai Investment Park 1 (DIP 1), Dubai Investment Park (DIP), Dubai
Listed 3 weeks ago
Shima Ghasem
Property Consultant
AED 1,200,000· AED 1,451/sqft
Fully furnished 1-bedroom | Rove Home Aljada
1 2 827 sqft
Aljada, Rove Home Aljada, Aljada, Sharjah
Listed 3 weeks ago
Shima Ghasem
Property Consultant
AED 1,300,000· AED 1,520/sqft
Semi-furnished | Highest Floor | Handover Q4-2025
1 2 855 sqft
Aljada, Rove Home Aljada, Aljada, Sharjah
Listed 3 weeks ago
Shima Ghasem
Property Consultant
AED 3,750,000· AED 3,014/sqft
Nikki Beach Residences | 1BR | Sea View
1 1 1,244 sqft
Al Marjan Island, Nikki Beach Residences, Al Marjan Island, Ras Al Khaimah
Listed 3 weeks ago
Ghassan Khallouf
Property Consultant
AED 5,877,200· AED 2,678/sqft
Nikki Beach Residences | 3BR | Sea View
3 2 2,195 sqft
Al Marjan Island, Nikki Beach Residences, Al Marjan Island, Ras Al Khaimah
Listed 3 weeks ago
Ghassan Khallouf
Property Consultant
AED 5,671,888· AED 2,724/sqft
Luxury 3BR Waterfront Apartment | Emaar | Sea View
3 3 2,082 sqft
Al Marjan Island, Address Residences, Al Marjan Island, Ras Al Khaimah
Listed 3 weeks ago
Ghassan Khallouf
Property Consultant
AED 3,637,120· AED 3,857/sqft
Timeless Elegance | JW Marriott Residences | 1BR
1 2 943 sqft
Al Marjan Island, JW Marriott Residences, Al Marjan Island, Ras Al Khaimah
Listed 3 weeks ago
Ghassan Khallouf
Property Consultant
AED 3,287,888· AED 2,830/sqft
La Mer by Elie Saab – Luxury Waterfront Living
1 2 1,162 sqft
Al Marjan Island, La Mer by Elie Saab, Al Marjan Island, Ras Al Khaimah
Listed 3 weeks ago
Nawal Najeeb
Property Consultant
AED 3,101,888· AED 3,350/sqft
Sora Beach Residences – Ultra-Luxury Waterfront
1 2 926 sqft
Al Marjan Island, Sora Beach Residences, Al Marjan Island, Ras Al Khaimah
Listed 3 weeks ago
Ghassan Khallouf
Property Consultant
AED 4,522,098· AED 2,844/sqft
Beach Vista – Island Living Redefined | Al Marjan
2 2 1,590 sqft
Al Marjan Island, The Beach Vista, Al Marjan Island, Ras Al Khaimah
Listed 3 weeks ago
Ghassan Khallouf
Property Consultant
AED 2,464,000· AED 2,899/sqft
Experience Elevated Island Living at Ola Residence
1 1 850 sqft
Al Marjan Island, Ola Residences, Al Marjan Island, Ras Al Khaimah
Listed 3 weeks ago
Ghassan Khallouf
Property Consultant
AED 2,377,888· AED 2,357/sqft
Branded Missoni Residences | Trio Isle | Al Marjan
2 2 1,009 sqft
Al Marjan Island, Trio Isle, Al Marjan Island, Ras Al Khaimah
Listed 3 weeks ago
Nawal Najeeb
Property Consultant
Verified
8AED 1,700,000· AED 2,363/sqft
Excellent Investment | 40% on Handover - 2026 | Mohammed Bin Rashid City
1 2 719 sqft
Mohammed Bin Rashid City
Listed 1 year ago
Verified
10AED 3,470,000· AED 2,395/sqft
Modern 3BR + Study | High Floor | Ready 2026 | Mohammed Bin Rashid City
3 3 1,449 sqft
Mohammed Bin Rashid City
Listed 1 year ago
Verified
15AED 3,711,000· AED 3,307/sqft
Prime Location I High Floor I Spacious Layout | Business Bay
1 2 1,122 sqft
Business Bay
Listed 1 year ago
Verified
16AED 1,297,000· AED 1,181/sqft
Easy payment plan| MAJAN | Sohba Quality | Dubai Land
2 3 1,099 sqft
Dubai Land
Listed 1 year ago
Verified
10AED 656,000· AED 1,339/sqft
Luxury | Specious | Easy payment plan | Dubai Land
Studio 1 490 sqft
Dubai Land
Listed 1 year ago
Verified
12AED 965,000· AED 1,225/sqft
1 bedroom | Easy Payment Plan | Q4 2026 | Dubai Land
1 2 788 sqft
Dubai Land
Listed 1 year ago
Off-Plan Apartments for Sale in Dubai: How to Invest Safely
Buying an offplan apartment in Dubai is highly attractive because it allows you to spread your payments over the construction timeline without bank interest. However, to invest safely and protect your capital, you must understand the rules, verification steps, and your legal rights.
To protect yourself before making any payments, you should perform several crucial due diligence checks:
- Verify developer and project registration:
Ensure both the developer company and the specific building project are fully registered with the Real Estate Regulatory Agency (RERA).
- Check the construction status:
Use the Dubai Land Department (DLD) Project Status Enquiry on the official Dubai REST app to view the real completion percentage and expected handover date.
- Confirm the escrow account is active:
Every legitimate offplan project has a dedicated, RERAapproved escrow account. Paying into a personal or general corporate account instead of the designated project escrow account is a severe red flag.
Secure Oqood registration: Your contract must be recorded in the DLD's interim real estate register via the Oqood system to protect your ownership rights during the construction phase.
What is an OffPlan Apartment and How Does Buying One Work?
An offplan apartment is simply a residence purchased before or during its construction phase. Instead of buying a completed, physical building, you are buying based on architectural plans, brochures, and layouts.
The buying process follows a specific, stepbystep path:
- 1. Booking and Reservation: You select your apartment unit and pay an initial booking deposit, which typically ranges from a flat rate of AED 50,000 up to 20% of the purchase price. You will sign a reservation form and submit your passport (and Emirates ID if you are a UAE resident).
- Initial Down Payment and Registration: You complete the remaining balance of your initial down payment (usually 10% to 20%) plus government fees.
- Signing the Sale and Purchase Agreement (SPA): The developer will prepare and issue the SPA, which is the binding contract detailing all purchase terms. Once signed by you, the developer countersigns it and sends you your copy.
- Oqood Provisional Registration: Within roughly 30 days of signing your SPA, the DLD will register the sale in their Oqood system and email you your Oqood certificate, which serves as your provisional title deed.
- Installments: You pay scheduled, interestfree installments into the project’s escrow account as construction moves forward.
- Handover: When construction is finished and the government issues the Building Completion Certificate (BCC), you perform a final inspection, pay any remaining balance, and receive your final DLD title deed.
How does the installment plan work in Dubai?
Installment plans are structured, interestfree payment schedules provided directly by developers, allowing you to spread the cost of the apartment over the construction period.
These installments are generally set up in two ways:
TimeBased Installments:
This is the most popular method. You pay a fixed percentage of the apartment price at set calendar dates (such as every 3 or 6 months) regardless of construction speed. This gives you highly predictable timelines for your financial planning.
MilestoneLinked Installments:
Your payments are tied to verified construction progress onsite. You pay set amounts only when RERA inspectors verify that physical benchmarks have been reached (for example, 10% of the price when construction hits 20% completion).
Developers utilize several standard ratios to divide these payments:
- 50/50 Plan: You pay 50% during the construction phase and the remaining 50% at handover. This is highly popular for buyers who plan to secure a bank mortgage for the final handover payment.
- 60/40 Plan: You pay 60% during construction and 40% at handover, typically used for midtolongterm build timelines.
- 70/30 Plan: This is a standard structure among major master developers where 70% is paid in installments during construction, leaving a smaller 30% balance for handover day.
- 40/60 Plan: This minimizes your upfront cash flow during construction, requiring only 40% before completion and 60% on handover.
- PostHandover Plans: These allow you to pay a portion of the cost during construction, another part at handover, and the remaining balance over several years after you collect your keys. Posthandover plans let you bypass bank interest and
- potentially use rental income to pay the balance, but developers often charge a slightly higher purchase price for these units.
Key Considerations Before Signing an Off-Plan Apartment SPA in Dubai
The primary binding document for your purchase is the Sale and Purchase
Agreement (SPA), which is prepared by the developer. Before signing this critical document, you should review the following details thoroughly:
Spellings and Personal Details: Ensure your full name and contact information match your passport exactly to prevent administrative delays at the DLD.
Exact Apartment Specifications: Confirm that the specific unit number, floor, boundaries, layout, size, and assigned parking spaces correspond exactly to your reservation form.
Expected Handover and Grace Period: Check the expected completion date in the text. Standard Dubai SPAs contain a "grace period" of 6 to 12 months, which permits the developer to delay handover by this period without being in breach of contract.
Missed-Payment and Default Penalties: Stating clearly how many days of notice the developer must provide if you miss an installment, and the financial penalties that apply.
Finishes and Brochures: Marketing materials and brochures are not legally part of your agreement unless they are written directly into the SPA text or attached as an official signed schedule. Stated materials and community features must be written down.
Resale Conditions: Most developers require you to meet a minimum payment threshold—frequently 30% to 40% of the total apartment value—and secure a developer No Objection Certificate (NOC) before you can assign or sell the apartment to a new buyer before handover.
How do you finance a pre-sale apartment in Dubai?
Financing an off-plan apartment requires different rules compared to completed homes. During construction, you cannot get a standard bank mortgage to cover your regular installment payments; you must fund these initial stages using your own personal cash and liquidity.
If you plan to utilize bank financing for an off-plan apartment, several strict UAE Central Bank regulations apply:
The 50% LTV Limit: For off-plan purchases, the Loan-to-Value (LTV) ratio is strictly capped at 50% for both UAE nationals and expatriates. This means you must cover at least 50% of the apartment’s price using your own personal funds during construction.
Debt Burden Ratio (DBR): Your total monthly debt repayments (including your future mortgage payment) must not exceed 50% of your gross monthly income.
Income Caps and Tenor: The maximum mortgage amount is capped at up to 8 years of annual income for UAE nationals and up to 7 years for expats, with a maximum mortgage term of 25 years.
What are commitment fees?
When securing an off-plan apartment, several early commitment fees are required to lock in your purchase:
Booking Fee:
This is the deposit you pay to take a specific apartment unit off the market. This fee ranges from a flat AED 50,000 up to 20% of the apartment's price and is directly applied as a credit toward your total down payment.
Expression of Interest (EOI):
For highly anticipated launch events, developers often collect an EOI fee (typically around AED 100,000) to secure your spot in the buying queue. If you do not select an apartment or decide to back out before a unit is officially assigned to you, this EOI is fully refundable, taking about 2 to 3 weeks to process. If you do proceed, the EOI becomes non-refundable and counts toward your down payment.
Administrative Fees:
Developers charge an administrative fee of up to AED 5,000 to cover paperwork, contract drafting, and DLD Oqood processing.