Linar

Off-plan means buying a property before it is completed — at pre-launch or during construction. Launch prices are often 20–30% below comparable ready stock, and payment is spread across a construction-linked plan rather than paid up front.

Down payments are typically 10–20% of the property value, followed by construction-linked instalments. Many projects also offer post-handover plans where instalments continue after you receive the keys.

Yes. Dubai's escrow law (Law No. 8 of 2007) ring-fences buyer funds in a regulated escrow account. Money is released to the developer only against verified construction milestones.

Off-plan is simpler than a secondary purchase: the transaction completes immediately on payment of the booking amount, the DLD fee is 4% (developers frequently run promotions where this is waived), and the developer admin fee is variable but typically under AED 5,000.

Yes — with a larger deposit, typically 25–50%, at selected banks. Non-resident loan-to-value is usually in the 50–75% range depending on the bank and your nationality.

Yes — typically after 30–50% of construction is complete, with certain banks on construction-linked terms. Loan-to-value can reach around 70%, though this varies bank to bank. Many buyers use the developer payment plan instead.

Passport or Emirates ID, proof of income (salary certificate or audited accounts), bank statements — usually six months — and details of any existing liabilities. Requirements differ case to case.

For properties under AED 5M: UAE nationals up to 85%, resident expats up to 80%, non-residents typically 50–75%. Above AED 5M the limits step down. Your total monthly obligations are also capped at 50% of income under the Debt Burden Ratio rule.

Around 60 days. We strongly recommend securing pre-approval before you make an offer — it strengthens your negotiating position and removes financing risk from the deal.