Post-Handover Payment Plans for Luxury Properties: What Sets Them Apart?

Post-Handover Payment Plans for Luxury Properties: What Sets Them Apart?

Imagine owning a luxurious property in the heart of Dubai’s dazzling real estate landscape without the weight of a substantial upfront payment. It’s not just a dream; it’s the allure of post-handover payment plans.

In this article, we delve into the world of luxury properties and the innovative payment plans that set them apart, offering newfound opportunities for homeownership in one of the world’s most prestigious markets. Before knowing the plans, first, let us understand what the Post-Handover Payment Plan is.

What do you need to know about the Post-Handover Payment Plan?

A post-handover payment plan is an innovative approach to property financing that offers buyers the flexibility to purchase real estate with reduced upfront costs. Unlike traditional payment models, where the entire purchase price is due upon acquisition, post-handover plans allow buyers to initiate their payments after taking possession of the property.

This unique payment structure often includes staggered instalments extending over several years, making luxury properties more accessible and accommodating a broader range of financial situations. The allure of post-handover payment plans lies in their ability to reshape the real estate landscape by providing buyers with increased financial flexibility and the opportunity to invest in high-end properties without the immediate burden of a substantial upfront payment.

How are Post-Handover Payment Plans different?

  1. Financial Flexibility: The most significant advantage of post-handover payment plans is their financial flexibility. Buyers can secure their property with a minimal upfront payment and spread the remaining cost over an extended period, often in manageable monthly or quarterly instalments.
  2. Reduced Upfront Costs: Post-handover plans typically require a lower upfront payment compared to traditional payment models, making luxury properties more accessible to a broader range of buyers.
  3. Delayed Payment: The payment terms of these plans are structured to begin months after the property handover. This delay can be especially appealing for those needing time to accumulate funds or plan their finances accordingly.
  4. Increased Buying Power: Post-handover payment plans can enhance your buying power in the competitive property market. You can secure a luxurious property while preserving liquidity for other investments or unforeseen expenses.
  5. Attractive Terms: Real estate developers often offer various post-handover payment plans with different terms and conditions, allowing buyers to select the one that best suits their financial situation and investment goals.

What are the types of Post-Handover Payment Plans?

piggy bank with coins and a magnifying glass, considering the additional information of Post Handover Payment plan Dubai

Real estate developers in Dubai offer various types of post-handover payment plans to cater to the diverse needs of property buyers. Some popular plans are:

  1. 2.5 Years Post-Handover Payment Plan: This plan allows buyers to commence their payments 2.5 years after possessing the property, giving them a significant financial grace period.
  2. 3-Year Post-Handover Payment Plan: A slightly longer option than the 2.5-year plan, this arrangement offers a favorable timeline for spreading payments.
  3. 5th Instalment Post-Handover Plan: This plan is designed to initiate the instalment payments after the property has been handed over, typically starting from the 5th instalment.
  4. 6th Instalment Post-Handover Plan: In this variant, buyers start their payments from the 6th instalment, offering a more extended delay period for financial planning.
  5. 7th Instalment Post-Handover Plan: For those looking for even more extended payment terms, the 7th instalment plan provides additional flexibility.
  6. 10-Year Post-Handover Payment Plan: This extended plan allows buyers to pay for their property over a decade, making high-end luxury properties attainable over a more extended period.
  7. 60/40 Post-Handover Payment Plan: With this plan, buyers typically make a 60% payment upfront and the remaining 40% in post-handover instalments.
  8. 80-20% Payment Plan: Similar to the 60/40 plan, this option involves an 80% upfront payment and a 20% post-handover instalment.

Where can you buy Property with Post-Handover Payment Plans?

Post-handover payment plans are available in various property locations in Dubai, catering to buyer’s diverse needs and preferences. These plans offer flexibility and affordability, making luxury properties accessible in different city areas. Here are some property locations where you can find post-handover payment plans:

  • Palm Jumeirah: This iconic man-made island is a hotspot for luxury properties with post-handover payment options. The stunning sea views and high-end amenities make it a popular choice for luxury real estate investors.
  • Downtown Dubai: Known for its iconic landmarks like the Burj Khalifa and Dubai Mall, Downtown Dubai offers a range of luxury properties with flexible payment plans, allowing buyers to experience the vibrant city lifestyle.
  • Dubai Marina: With its waterfront living and numerous dining and entertainment options, Dubai Marina is a sought-after location for luxury properties. Post-handover payment plans make investing in this dynamic area easier for buyers.
  • Jumeirah: This well-established residential area boasts a mix of villas and apartments. Post-handover plans in Jumeirah allow buyers to own property in a desirable and mature neighbourhood.
  • Business Bay: As a central business district, Business Bay offers a mix of commercial and residential properties. Post-handover payment plans here cater to those who seek a dynamic urban lifestyle.
  • Dubai Hills Estate: This master-planned community is known for its green spaces, golf courses, and upscale properties. Post-handover payment plans make it a compelling choice for those who appreciate a suburban setting.
  • Jumeirah Village Circle (JVC): JVC is a family-friendly community with various properties. Post-handover plans in JVC offer a balance between affordability and luxury living.
  • Dubai South: Home to Dubai’s new flagship airport, Dubai South offers a mix of residential and commercial properties. Post-handover payment plans are available, making it a strategic location for investment.
  • Dubai Sports City: This community is designed for sports enthusiasts with various sporting facilities. Post-handover plans in Dubai Sports City attract those who seek an active lifestyle.
  • Al Barsha: Al Barsha is a well-established area with a mix of properties. Post-handover payment plans here allow buyers to own property in a mature neighborhood.
post payment handover plans dubai uae

How Can We Help?

At eMortgage, we’re dedicated to simplifying the mortgage process and providing valuable information to guide your real estate investments. We understand the changing landscape of the real estate market in Dubai and the importance of staying informed about innovative payment options like post-handover plans.

Whether you’re a first-time homebuyer, an experienced investor, or simply looking to explore luxury apartments for sale, we’re here to assist you in making informed decisions. Our team of experts is equipped to provide personalized guidance, ensuring that you confidently navigate the real estate market.

You can also read more on Post-Handover Payment Plans 


In the dynamic world of Dubai’s real estate market, post-handover payment plans have emerged as a significant game-changer. These plans offer financial flexibility, reduced upfront costs, and attractive terms, making luxury properties more accessible. With various options, buyers can select the post-handover payment plan that aligns with their unique financial situation and investment goals.

At eMortgage, we provide expert guidance and support throughout your real estate journey, empowering you to make informed decisions and secure your dream property in Dubai’s thriving market.