What is a 10/90 Payment Plan in Dubai Real Estate?

What is a 10/90 Payment Plan in Dubai Real Estate?

What is a 10/90 Payment Plan in Dubai Real Estate?

Dubai’s real estate market is booming, offering a variety of luxurious homes and promising a high-quality lifestyle. It’s known for delivering good investment returns, which draws attention from both residents and global investors looking for prime opportunities. When considering an off-plan property investment in Dubai, it’s crucial to understand not only the payment plan but also the significance of handover dates and location choices. These factors play a key role in your investment’s success, affecting everything from the property’s value to your convenience and satisfaction.

In this blog, we’re diving into a popular feature of the Dubai property market: the 10:90 payment plan, also known as the 10/90 payment plan. If you’re already acquainted with Dubai’s real estate scene, you’ve likely heard of it. We’ll explore what this payment plan is and how it functions, shedding light on its significance for buyers and investors alike. Understanding this payment plan is crucial for anyone looking to make informed decisions in Dubai’s dynamic property market.

What is a Payment Plan?

A payment plan in the context of real estate is a structured outline dictating how a buyer pays for a property over a set period. It breaks down the total cost into smaller, more manageable instalments, making it easier for buyers to finance their purchase without the need for a lump-sum payment. These plans can vary greatly depending on the developer, the type of property, and the market conditions.

What is the 10:90 Payment Plan in Dubai?

The 10/90 payment plan is one of the most famous and appealing options in places like Dubai’s real estate market. Under this plan, the buyer pays 10% of the property’s total price upfront as a deposit to secure the purchase. The remaining 90% is then paid over a predetermined period or at specific milestones, often tied to the construction progress of an off-plan property or upon completion. This plan is particularly attractive because it minimizes the initial financial burden on the buyer and provides them with time to arrange the majority of the funds. It’s a popular choice among investors and homeowners alike, offering a flexible path to property ownership in a competitive market.

What are the Advantages of a 10:90 Payment Plan?

Under this payment plan, both property buyers and investors will get benefits. You can book a property by paying 10% of the total price of the project. Afterwards, you can apply for a loan from any bank at the best rate of interest and then no payments of loan EMI until full possession.

Benefits of the 10:90 Payment Plan

  1. Low Initial Investment: With only a 10% down payment required, investors can secure a property without a significant upfront financial commitment.
  2. Improved Cash Flow: This plan allows investors to maintain better cash flow by deferring 90% of the payment until possession, offering time to manage or raise funds.
  3. Access to Luxury Properties: It opens doors to high-end properties in Dubai’s real estate market that might otherwise be out of reach for some investors.
  4. Flexibility in Financing: The deferred payment structure provides flexibility, giving investors time to secure favourable mortgage rates or find alternative financing options.
  5. Risk Mitigation: By minimising initial investment, investors can reduce their exposure to market volatility and potential financial risks.
  6. Attractive to First-time Buyers: This plan is particularly appealing to first-time buyers, offering an accessible entry point into real estate investment.
  7. Encourages Investment: The 10:90 payment plan stimulates investment by making property ownership more attainable, contributing to the growth of Dubai’s real estate market.

Risk and Considerations of 10:90 Payment Plan

Investment in real estate is a little risky too and there are many challenges involved in it. For instance:

  1. Market Fluctuations: The real estate market rates are subject to change. If property values decrease, you might find yourself paying for a property that’s worth less than the purchase price.
  2. Developer Reliability: Your investment is largely dependent on the developer’s ability to deliver the project on time and to the expected standards. Delays or bankruptcy can pose significant risks.
  3. Legal and Regulatory Changes: Changes in real estate laws or regulations can affect your investment. It’s crucial to stay informed about any potential legal shifts that could impact your obligations or rights.
  4. Financial Commitment: While the initial financial burden is lower, you’re committing to a long-term financial obligation. Ensure your financial stability can support this commitment over time.
  5. Interest Rates: If you’re considering financing the remaining 90%, be aware of fluctuating interest rates. An increase can significantly affect your repayment amount.
  6. Property Handover: There’s always a risk of receiving a property that doesn’t meet your expectations or the promised specifications. This can affect both your satisfaction and the property’s rental or resale value.

Projects that Offer 10:90 Payment Plan In Dubai

  1. Emaar Beach

    Ah, Emaar Beach, where the musical sound of the sea meets the luxuries of life. Here, every morning welcomes you with the harmony of the waves and the warmth of sunlight, colouring your room with the colours of dawn. This enclave is not just about houses; this is an area where luxury apartments fly into the sky, and the horizon is an endless sea. A private beach whispering tales of tranquillity and amenities that exude luxury, Emaar Beachfront is the epitome of a dreamy seaside life.
  2. Dubai Creek Harbor by Emaar

    Step into the future at Dubai Creek Harbor by Emaar, a canvas of creativity and innovation. This development is being constructed with the future promise of hosting the world’s tallest tower. Envision living spaces that provide more than just a scenic view – a blend of Dubai’s stunning skyline with the enduring charm of the Gulf. This location isn’t just focused on luxury; it’s about embracing refinement and experiencing a lifestyle of elegance.

  3. Sobha Hartland

    Located in the beating heart of Dubai is Sobha Hartland, an oasis of opulence amidst the urban desert. The sanctuary offers a retreat with its luxurious villas and apartments surrounded by nature. As a standout feature of Mohammed Bin Rashid City, Sobha Hartland offers a small world of its own, complete with schools, shopping havens, and leisure spots. It’s more than just a place to reside; Sobha Hartland is a thriving community that provides a full living experience.

  4. Damac Hills

    Welcome to DAMAC Hills, where luxury is a lifestyle and community living has been elevated to an art. Renowned for its extraordinary properties and unique amenities, this enclave is a universe in itself. Whether you’re looking for villas, apartments, or townhouses, each offers a piece of paradise with educational facilities, lush parks, and a golf course. Damac Hills is where both families and individuals find not just a residence but a vibrant lifestyle.
  5. Bluewaters Residence by Meraas

    Located on the dynamic Bluewaters Island, Bluewaters Residences by Meraas is where high-end lifestyle meets the pulse of Dubai. Here, apartments, penthouses and townhouses provide not only a home but also a panorama of the Arabian Gulf and the dazzling Dubai skyline. With the world’s largest observation circle, Ain Dubai, as a neighbour, these residences are more than just a place to live; They are the epitome of luxury and excitement.

How to Qualify for a 10/90 Payment Plan?

Going on the path to owning your dream property with a 10/90 payment plan can feel like a breeze, but it does come with its checkpoints. Here’s the eligibility criteria to ensure you’re on the right track:

  1. Stable Income Source: First things first, having a stable income is key. Whether you’re employed, self-employed, or have other consistent income streams, proving that you have the financial stability to cover the initial 10% and the subsequent 90% is crucial. It’s not just about having money in the bank; it’s about showing that you can keep it coming.

  2. Creditworthiness: Your credit score isn’t just a number; it’s a gateway. A solid credit history and a score that smiles back at lenders will make them more inclined to offer you the payment plan. It’s like saying, “Hey, I’m good for it,” and having your financial past vouch for you.

  3. Down Payment Ready: Having the 10% down payment at hand is a no-brainer. This upfront payment is your ticket into the 10/90 payment plan. It’s not just about showing that you can start the journey; it’s about proving you’re serious about it.

  4. Debt-to-Income Ratio: This is where things get a bit mathy. Your debt-to-income ratio is a big deal. Lenders will peek into how much of your income is already promised to other debts. Keeping this ratio low shows that you have enough breathing room to comfortably add another common payment plan into your monthly payments budget.

  5. Employment History: Last but definitely not least, a steady employment history can be your best friend. It’s not just about the now; it’s about showing a pattern of reliability. Lenders love seeing that you’ve been consistently employed, as it hints at financial stability and predictability.


Navigating the real estate market requires understanding the variety of payment plans available to match property prices, payment options and investment goals. Whether it’s an upfront payment for outright purchases or a flexible payment plan that spreads the cost through monthly instalments, choosing the right type of payment plan at the time of booking is crucial.

eMortgage offers a range of options, from post-handover payment plans for new constructions to cash payments for ready properties, including apartments for sale and rental properties. As a leading real estate agency, we’re committed to providing opportunities for capital and long-term financial growth, ensuring clients find the type of property that aligns with their financial strategy and lifestyle aspirations.