Off-Plan vs Ready Property in Dubai: Which Investment Is Right for You?

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Compare off-plan and ready properties in Dubai. Understand the costs, benefits, and process to choose the right real estate investment—and explore how you can qualify for the UAE Golden Visa.

🏗️ Off-Plan vs 🏠 Ready Property in Dubai

For a Property Worth AED 2M / €480,000
Prepared by Splendid Homes Real Estate

FactorOff-Plan Property (from Developer)Ready Property (Secondary Market)
Initial Payment20% + 4% DLD + admin fee ≈ €115,47810% booking deposit ≈ €83,585
Payment PlanStructured over 12–18 months (example: 8% monthly)Full payment within 60 days
Final Payment30% on handover (Mar 2026) ≈ €142,84890% via UAE bank or escrow manager’s cheque
DLD Fee (4%)€19,046 (at booking)€19,142 (at transfer)
Admin/Trustee Fees€1,200€1,152
Agency Commission0% (Direct from Developer)2% ≈ €9,643
Title DeedIssued automatically post handoverIssued same day at transfer
Ownership ProcessSPA signed post-booking; payments via bank transferBuyer must attend or assign POA; via bank or escrow
Bank Account RequirementNot mandatoryNeeded unless escrow option is selected
Escrow OptionNot applicableEscrow charges: €3,025 + 0.3% ≈ €1,446
Power of Attorney (Optional)Not required€500–€750 (only if buyer doesn’t attend in person)
Approx. Total Cost€500,000€510k–€516k (depending on payment method)
Rental IncomeStarts post-handover in 2026Immediate income possible (~7–9% yield)
Capital AppreciationHigh potential by completionMore stable, market-reflective
FlexibilityLower initial outflow; long-term investor-friendlySuitable for those wanting quick returns

📌 Additional Notes:

  • Off-plan offers a lower entry point and no commission, ideal for capital growth.
  • Ready property offers instant rental returns and ownership clarity.
  • Investors can choose based on cash flow preferences, timeline, and ROI goals.

📞 Want help choosing the right option for you?
We’re here to assist — from property selection to registration & rentals!

📍 @dubaisplendidhomes
📞 +971-586927055
📧 info@splendid-homes.com

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