30/70 payment plan

30/70 payment plan

Own a SAMANA property in Dubai with 30% paid during construction and 70% at handover. The 30/70 payment plan starts with a 15% down payment and is available across SAMANA's Dubai portfolio.

How the SAMANA 30/70 payment plan works

After the 15% down payment, the next 15% is paid across construction in whichever structure suits your cash flow.

       Both routes total 30% before handover. The difference is timing, not cost.

• Option A works if you would rather absorb the cost as a fixed monthly amount you can plan around.
• Option B works if your income arrives in larger blocks — bonuses, rental income, proceeds from a sale — and two payments suit you better than fifteen.

Why buyers choose the 30/70 payment plan

• Lower upfront commitment. 15% secures the unit. On a AED 1 million property that is AED 150,000 at booking.
• Time to arrange the handover balance. You have the full construction period to secure mortgage approval, liquidate other assets, or transfer funds — instead of a compressed window.
• Suits end-users, investors and international buyers. End-users get breathing room before financing. Investors keep capital free for other purchases during construction. International buyers can convert funds gradually rather than exchanging one large sum on a single day.

SAMANA projects with the 30/70 payment plan

The 30/70 payment plan applies to SAMANA projects across Dubai, including developments in Arjan, Dubailand Residence Complex, Al Warsan, Dubai South, Dubai Islands, Majan, Meydan, JVC and Al Furjan.

Eligible units and current pricing vary by project and availability.

See all SAMANA projects

30/70 payment plan FAQs

What is the SAMANA 30/70 payment plan?
A payment structure where 30% of the property price is paid during construction and 70% at handover, starting with a 15% down payment on booking.

How much do I pay to book a SAMANA unit?
15% of the property price.

Is the SAMANA 30/70 plan the same as a 70/30 payment plan?
Buyers sometimes describe it that way, referring to the 70% due at handover. SAMANA's plan is structured as 30% during construction and 70% at handover.

What is the difference between Option A and Option B?
Option A spreads the post-booking 15% across fifteen monthly payments of 1%. Option B pays it in two instalments: 5% at month six and 10% at month twelve. Both reach 30% before handover.

When does the 70% become due?
At handover, when the unit is completed and transferred to you. You have the full construction period to arrange the balance.

Does the 30/70 plan work with a mortgage?
Yes. The 30% paid during construction must come from your own funds — banks in the UAE do not finance off-plan construction instalments. The remaining 70% due at handover can be covered by a mortgage, subject to your lender's approval and eligibility criteria. Most buyers use the construction period to arrange financing so approval is in place before handover.

Which SAMANA projects offer the 30/70 payment plan?
The plan is available across SAMANA's Dubai portfolio, subject to unit availability and current terms. Contact us for the eligible units in your preferred project.

Request the full payment schedule, eligible units and current pricing for any SAMANA project.

Call 800-SAMANA or submit an enquiry.