Post-handover plans let you pay 30–50% of the property over 2–5 years after moving in — often outperforming mortgage financing.
Post-handover payment plans (PHPP) have transformed how investors finance Dubai property. Instead of paying 100% by completion, you pay a portion during construction and the balance over 2–5 years after handover — interest-free.
Common structures: 50/50 (half during construction, half over 3 years post-handover), 60/40, and the increasingly popular 40/60 plans from Sobha and DAMAC.
The investor case: rental income post-handover often covers the staged payments, allowing the property to substantially self-finance.
Pitfalls to avoid: late-payment penalties, unclear handover dates, and developers with weak escrow track records. Always validate the developer's previous delivery history.
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