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
| Factor | Off-Plan Property (from Developer) | Ready Property (Secondary Market) |
|---|---|---|
| Initial Payment | 20% + 4% DLD + admin fee ≈ €115,478 | 10% booking deposit ≈ €83,585 |
| Payment Plan | Structured over 12–18 months (example: 8% monthly) | Full payment within 60 days |
| Final Payment | 30% on handover (Mar 2026) ≈ €142,848 | 90% 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 Commission | 0% (Direct from Developer) | 2% ≈ €9,643 |
| Title Deed | Issued automatically post handover | Issued same day at transfer |
| Ownership Process | SPA signed post-booking; payments via bank transfer | Buyer must attend or assign POA; via bank or escrow |
| Bank Account Requirement | Not mandatory | Needed unless escrow option is selected |
| Escrow Option | Not applicable | Escrow 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 Income | Starts post-handover in 2026 | Immediate income possible (~7–9% yield) |
| Capital Appreciation | High potential by completion | More stable, market-reflective |
| Flexibility | Lower initial outflow; long-term investor-friendly | Suitable 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
