A 1% monthly payment plan allows buyers to pay 1% of the property price each month over a set period, typically during construction and sometimes extending several years post-handover.
For example, on a AED 1 million property:
1% Plan → AED 10,000 per month
Often requires 10–20% as an initial down payment
Balance is spread over 3–7 years, depending on the developer
These plans are popular among:
First-time homebuyers seeking lower entry costs
Overseas investors who want Golden Visa eligibility
Buy-to-let landlords looking to cover installments through rental income
| Developer | Example Projects | Location | Plan Highlights | Buyer Type Fit |
|---|---|---|---|---|
| Danube Properties | Viewz, Oceanz | Dubai Maritime City, JLT | Market leader in 1% plans, long post-handover | Budget-conscious investors & expats |
| Pantheon Development | Maison Elysee, Voxa | JVC, JVT | Boutique mid-market projects | First-time buyers & rental investors |
| Infracorp | California Residences | Dubailand | Lifestyle-focused, Golden Visa eligible | Families & overseas buyers |
| Sobha Realty | Sobha Orbis | Motor City | Luxury finish, post-handover flexibility | Premium buyers |
| Damac Properties | Damac Lagoons, Violet | Dubailand | Themed villa communities | End-users & investors |
| Azizi Developments | Azizi Venice, Riviera | Dubai South, MBR City | Large-scale waterfront projects | International buyers |
| Acube Developments | The Bay, boutique projects | Multiple | Premium & mid-tier | Residents & investors |
| Samana Developers | Samana Manhattan, Resorts | Arjan | Mix of 0.5% and 1% models | Young professionals |
| Reportage Properties | Reportage Village | Dubailand | Townhouses & villas | Family end-users |
| Feature | 1% Plan | 0.5% Plan |
|---|---|---|
| Monthly Outlay (AED 1M property) | AED 10,000 | AED 5,000 |
| Down Payment | 10–20% | 15–20% |
| Post-Handover Duration | 3–5 years | 4–6 years |
| Accessibility | Moderate | High |
| Buyer Appeal | Investors, Golden Visa seekers | First-time buyers, low-income expats |
Why it matters:
The 0.5% monthly payment plan is attracting younger buyers, freelancers, and mid-income expats who may have been priced out of Dubai’s property market before.
| Area | Why It Works | Example Projects | ROI Potential |
|---|---|---|---|
| Dubailand | Family-friendly, villa communities, Golden Visa | California Residences, Damac Lagoons, Aldar Haven, Ghaf Woods | 6–8% |
| JVC (Jumeirah Village Circle) | High rental yield, affordability | Pantheon Maison Elysee, Ellington projects, Sereno Residences | 7–8% |
| Dubai South | Expo 2020 legacy, airport growth | Azizi Venice, Emaar South | 5–7% |
| Arjan | Affordable & upcoming retail | Samana Manhattan, Vincitore Volare | 7% |
| Business Bay | Central, premium apartments | Danube Bayz, Binghatti Canal | 5–6% |
For overseas investors, Dubai’s 10-year Golden Visa is a major incentive. Properties purchased under a 1% monthly plan can qualify if the total value is AED 2M or above, provided they meet the Dubai Land Department’s criteria.
Projects like California Residences by Infracorp are designed with this in mind—offering spacious units, premium amenities, and a payment schedule that allows investors to maintain liquidity while securing residency.
Beyond the 1% model, several new trends are reshaping the market:
0.5% Monthly Plans: Seen in Samana and Danube projects, cutting monthly payments in half.
Longer Post-Handover Terms: Extending up to 10 years, allowing buyers to rent out the property and cover installments.
Lower Booking Costs: Some developers now allow booking with only 5–10% down payment.
Rent-to-Own Models: Popular with end-users who want to transition from renting to ownership without heavy upfront costs.
Availability: Not all units in a project are eligible for 1% plans.
Total Cost: Extended payment schedules can result in higher overall property prices.
Developer Track Record: Always check RERA records for delivery history and financial health.
Dubai’s 1% and 0.5% monthly payment plans have lowered the barrier to entry for both local and international buyers. With flexible terms, attractive ROI potential, and Golden Visa eligibility, these plans are driving a wave of new investments in 2025. However, due diligence is key—partner with a trusted brokerage like Artha Realty to navigate developer offers, secure the right project, and match your investment goals with the best payment structure.
Ready to explore the latest Dubai projects with 1% or 0.5% monthly payment plans?
Contact Artha Realty today for an updated list of eligible developments and exclusive offers.
