Buying a property that isn’t built yet? We explain how off-plan finance works, which projects banks will lend on and how to plan for the payment at handover.
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At a glance
Typical figures under UAE Central Bank rules and bank criteria, reviewed October 2026. Your offer depends on your profile and the lending bank.
Overview
With off-plan property, you usually pay the developer in instalments during construction. Banks can finance up to 50% of an off-plan property’s value, and only for projects on their approved list.
Many buyers pay the construction instalments themselves and then take a mortgage for the balance due at handover. Others combine a developer’s post-handover payment plan with bank finance.
We help you plan the whole timeline, so you know how much cash you need at each stage and which banks will finance your project when it completes.
Is it right for you?
How it works
We map the developer’s schedule against your savings and finance.
We confirm which banks finance your project.
The bank assesses your income and approves the facility.
Funds are released in line with construction milestones.
We arrange the final payment and any refinance at completion.
Documents
We send a personal checklist after your consultation. These are the usual basics.
Why Easyhome Mortgage
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FAQ
Straight answers on UAE mortgages. If yours isn’t here, ask Easyhome AI or an adviser.
Ask Easyhome AI for a quick answer, or an adviser for advice on your situation.
Yes, for properties from developers and projects that the bank approves. Payments are usually released in stages as construction progresses.
We match the mortgage to the developer’s schedule so that bank payments line up with the stages you owe, including the final handover payment.
Ideally a few months before the expected handover date, so the bank’s approval and valuation are done in time for completion.
Requirements vary by lender, but banks usually ask for identification, proof of income such as salary certificates or payslips, recent bank statements and the property documents. We send you a checklist for your specific case.
Ask Easyhome AI for a quick answer, or an adviser for advice on your situation.
