Services
Mortgage for the Final Payment to the Developer
At handover, the developer's final instalment can be 40–70% of the property price. A bank can finance this final payment instead of requiring it in cash.
| Financing available | up to 80% of property value at handover, no additional down payment required |
| Typical final instalment size | 40–70% of the property price, developer-dependent |
| Timeline | Financing arranged in parallel with the handover process |
| Applies to | Both resident and non-resident buyers, terms differ (see Articles 1 and 2) |
Documents
- Passport
- Visa + Emirates ID, for residents
- Salary certificate / employment contract, for salaried applicants
- 3–6 months personal bank statements (bank-dependent)
- Payslips / WPS evidence, where required
- Company licence, corporate statements, VAT/CT/audit documents, for business-owner applicants
- Property documents: booking form / SPA / Oqood / title deed / MOU / statement of account, depending on the case
- Existing liabilities: credit cards, loans
We reply within 15 minutes during working hours
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Frequently asked questions
No — this is exactly what final-payment financing is for.
As soon as the developer issues the handover notice, ideally 6–8 weeks before the payment is due.
Financing is capped at up to 80% of the total property value, not necessarily 100% of the final instalment specifically — reviewed case by case.
Yes, that's the main reason investors choose this route instead of paying cash.
Yes, as part of managing the mortgage application alongside your handover timeline.
Talk to us about your situation
We reply within 15 minutes during working hours
Tell us your goal, your residency status and your rough timeline — the more specific the first message, the faster we can help.
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