Can I get a mortgage on an off-plan purchase?

Limited. A few banks (HSBC, ENBD, Mashreq) provide off-plan mortgages on specific approved projects, typically 50% LTV at 50%+ construction progress. On completion a refinance to a standard mortgage is common. Non-residents rarely qualify for off-plan finance — plan for cash payment during construction (as of Q2 2026, source: centralbank.ae).

When can I rent out or resell after handover?

Rental is allowed immediately after the title deed is issued. Resale is possible from handover, but many developers apply a resale restriction during construction: resale is only permitted once 30-50% of the purchase price has been paid. On resale during construction, 4% DLD fee + 2% agency commission apply again, plus a developer NOC fee (AED 5,000-10,000) (as of Q2 2026, source: dubailand.gov.ae).

Dubai Off-Plan vs Ready Properties 2026

Which is cheaper: off-plan or ready Dubai property?

Off-plan typically sits 10-20% below comparable ready property in the same location, with a payment plan (typically 20% at signing, 60% during construction, 20% at handover). Ready property requires immediate 100% payment or a mortgage, with immediate rental income. The off-plan price advantage is a capital-risk premium for the construction period (indicative range, as of Q2 2026).

What are the risks of buying off-plan in Dubai?

Three main risks: (1) handover slips by 6-18 months on average, (2) market value at handover may sit below the purchase price in a correction, (3) developer insolvency (rare thanks to mandatory RERA escrow). Mitigation: pick developers with track record (Emaar, DAMAC, Nakheel, Sobha), check the project's RERA registration, and verify the escrow account (as of Q2 2026).

Bron: dubailand.gov.ae

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