10 / 90 Payment Plan

10 90 Payment Plan
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    Buying a Dubai Villa or Apartment with a 10/90 Payment Plan

    Dubai is one of the most attractive destinations for property investors, thanks to its diverse and dynamic real estate market. Whether you are looking for a luxury villa, a spacious apartment, or a cozy studio, you can find your dream home in Dubai with various payment options.

    One of the most popular and convenient payment plans for buying a property in Dubai is the 10/90 payment plan. In this article, we will explain what the 10/90 payment plan is, how it works, and why it is beneficial for both buyers and developers.

    What is the 10/90 Payment Plan?

    The 10/90 payment plan is a type of post-handover payment plan that allows the buyer to pay only 10% of the total property value at the time of booking, while the remaining 90% can be paid in installments over a period of time after the property is handed over to them.

    The duration and frequency of the installments vary depending on the project and the developer, but they usually range from three to ten years. Some developers also offer interest-free or low-interest installments to attract more buyers.

    The 10/90 payment plan is ideal for buyers who want to own a property in Dubai without having to pay a large amount of money upfront or take out a mortgage. It also gives them the opportunity to rent out their property and use the rental income to pay off their installments.

    How Does the 10/90 Payment Plan Work?

    The 10/90 payment plan works in a simple and straightforward way. Here are the steps involved:

    • The buyer chooses a property that offers the 10/90 payment plan and signs a sales agreement with the developer.
    • The buyer pays 10% of the property value as a booking deposit, along with any other fees or charges required by the developer or the government.
    • The buyer waits for the completion and handover of the property, which usually takes a few months or years depending on the project status.
    • The buyer receives the keys and title deed of their property and moves in or rents it out.
    • The buyer pays the remaining 90% of the property value in installments over a period of time agreed upon with the developer. The installments can be monthly, quarterly, biannually, or annually.
    • The buyer completes their payments and becomes the full owner of their property.

    Why Choose the 10/90 Payment Plan?

    The 10/90 payment plan offers many advantages for both buyers and developers. Here are some of them:

    • For buyers, the 10/90 payment plan reduces their financial burden and makes buying a property in Dubai more affordable and accessible. They can own a property with a low initial investment and enjoy flexible and long-term payment options. They can also benefit from the capital appreciation and rental yield of their property over time.
    • For developers, the 10/90 payment plan increases their sales and cash flow and helps them clear their inventory faster. They can attract more buyers with different budgets and preferences and build customer loyalty and satisfaction. They can also save on marketing and financing costs and reduce their risk exposure.

    Where to Find Properties with the 10/90 Payment Plan?

    There are many properties in Dubai that offer the 10/90 payment plan, especially in new and upcoming areas such as Jumeirah Village Circle (JVC), Arjan, Dubai Studio City, Al Wasl, DAMAC Hills, and Motor City.

    Some of the projects that offer the 10/90 payment plan are:

    • Elano by Oro24: A modern residential project in Arjan that offers studios and one-bedroom apartments with luxury amenities and urban lifestyle. The project offers a 7-year payment plan with 1% monthly installments².
    • IVY Gardens by Samana: A luxury residential project in Dubai Residence Complex that offers studios and one-bedroom apartments with private pools and balconies. The project offers an 8-year payment plan with 15% booking deposit².
    • Cavalli Couture: A designer residential project in Al Wasl that offers four- and five-bedroom apartments overlooking Dubai Canal. The project offers a 4-year post-handover payment plan³.
    • LIV Lux: A waterfront residential project in Dubai Marina that offers three- and four-bedroom apartments with panoramic views of Palm Jumeirah and Bluewaters Island. The project offers a 5-year post-handover payment plan².

    If you are interested in buying a villa or apartment in Dubai with a 10/90 payment plan, you can contact us.


    Buying a villa or apartment in Dubai with a 10/90 payment plan is a smart and convenient way to own your dream home in one of the most vibrant cities in the world. You can enjoy low upfront costs, flexible installments, high returns, and hassle-free ownership.

    To find out more about the 10/90 payment plan and other payment options for buying a property in Dubai, you can contact us at Bing.com. We are happy to assist you with your queries and guide you through your property journey.