DUBAI · OFF-PLAN BUYING PLANNER
Plan Your Off-Plan Home Purchase in Dubai
Enter a property price to see your initial budget, payment schedule and the steps from choosing a home to handover and letting.
YOUR PAYMENT SUMMARY
Illustrative plan · 20 / 40 / 40Your initial budget
60,000 USD
≈ 220,350 AED
20% down payment + 4% DLD
Monthly average before handover
2,777.78 USD
36 months · 100,000 USD stage total
Balance due at handover
100,000 USD
40% of the property price
- Down payment · 20%
- 50,000 USD
- Construction · 40%
- 100,000 USD
- Handover · 40%
- 100,000 USD
Construction: 36 instalments · 2,777.78 USD · final instalment: 2,777.86 USD
Additional transaction costs have not been entered.
Rota Prime buyer sales commission: 0 USD
Let’s find projects that fit your plans.
Your calculation is included with your application.
YOUR PURCHASE ROADMAP
From first payment to letting, step by step
A purchase roadmap for your illustrative plan. See payments, documents and the support we provide together.
Choose your project and apartment
We help you choose a project and apartment that fit your budget, payment plan and preferred handover timeline.
- Your budget at this stage
- We work out which options fit your budget.
- Document / outcome
- Selected apartment and payment plan
- Rota Prime support
- We compare projects, developers and apartment options.
Reservation, agreement and initial payments
Your apartment is reserved and the sales agreement (SPA) sets out the price, payment plan and handover details. Signing and initial payments are arranged as part of this starting stage.
- Your budget at this stage
- 60,000 USD
- Document / outcome
- Reservation document and sales agreement (SPA)
- Rota Prime support
- We coordinate documents, signatures and payment steps with the developer.
Oqood — initial registration
The developer registers your signed sales agreement through DLD’s Oqood system. An initial registration certificate is issued in your name.
- Your budget at this stage
- The DLD allocation is included in your initial budget.
- Document / outcome
- Oqood initial registration certificate
- Rota Prime support
- We follow the registration certificate and apartment details.
Construction and instalments
Payments before handover follow the selected plan. See the stage total and monthly average together.
- Your budget at this stage
- 100,000 USD · 36 months
- Document / outcome
- Payment schedule and payment records
- Rota Prime support
- We follow the payment flow and project updates.
Inspection and handover
The handover payment, apartment inspection and handover arrangements are completed. You receive the keys and can prepare the home for your own use or for letting.
From Oqood to the title deed
Oqood records the initial registration of your off-plan purchase. The title-deed process follows project completion and fulfilment of the relevant contractual obligations.
- Your budget at this stage
- 100,000 USD
- Document / outcome
- Handover documents and keys
- Rota Prime support
- We support apartment inspection, handover arrangements and preparations.
Letting and property management
Once handover and letting preparations are complete, the home can move into the rental process. Rota Prime supports tenant finding, the tenancy agreement and property management.
- Your budget at this stage
- We prepare your letting and management plan together.
- Document / outcome
- Tenancy agreement and Ejari registration for long-term letting
- Rota Prime support
- We provide rental and property management directly.
What would a USD 250,000 home look like?
An illustrative 20% down payment, 40% during construction and 40% at handover over 36 months, with a 4% buyer DLD allocation.
| Item | USD | AED |
|---|---|---|
| Property price | 250,000 | 918,125 |
| Down payment | 50,000 | 183,625 |
| DLD | 10,000 | 36,725 |
| Your initial budget | 60,000 | 220,350 |
| Monthly average before handover | 2,777.78 | 10,201.39 |
| Balance due at handover | 100,000 | 367,250 |
| Property and entered fees | 260,000 | 954,850 |
Additional transaction costs have not been entered.
How the calculation works
- 01
Initial budget = down payment + buyer’s DLD allocation + any additional initial costs entered.
- 02
Construction and post-handover payments are spread across their respective terms. The monthly average and instalment for your chosen frequency are shown separately.
- 03
The handover balance is shown in its own stage. DLD is calculated once; another 4% is not added for Oqood.
Sources and calculation details
DLD’s tariff lists a 2% registration share for the seller and 2% for the buyer. Choose the allocation you are budgeting for and add any known separate transaction costs.
- DLD — Initial sale registration and fees
- DLD — Title-deed process
- DLD — Tenancy contract / Ejari
- CBUAE — Exchange rates
Sources checked: 26 October 2026 · Display rate: USD 1 = AED 3.6725
Questions you may have
How much cash should I set aside at the start?
We add your down payment, the DLD allocation you are budgeting for and any extra initial costs you enter. You can see the result in both USD and AED.
Is DLD included in the down payment?
In this calculation, DLD is separate from the property down payment and is added to the initial budget once. You can change the buyer allocation under the custom settings.
When do the sales agreement and Oqood come in?
The sales agreement (SPA) is prepared and signed during the reservation and initial arrangements. The developer registers the signed agreement through Oqood, and an initial registration certificate is issued in your name.
What is the difference between Oqood and the title deed?
Oqood records the initial registration of an off-plan purchase. The title-deed process follows project completion and fulfilment of the relevant contractual obligations.
When can I let my apartment?
Once handover and letting preparations are complete, you can move on to tenant finding and the tenancy agreement. Depending on the project’s terms, letting and remaining post-handover payments may run during the same period.
Does Rota Prime charge an advisory fee or sales commission?
We do not charge off-plan buyers an advisory fee or sales commission. The developer pays our commission. We also provide rental and property management directly after handover.