REIN Investment · Off-plan finance
Off-plan is financed twice
Stage one: the developer's instalments during construction, from your own funds. Stage two: the mortgage at handover. Most buyers plan only stage two — and get surprised by stage one. Here is the whole picture.
Stage 1 · During construction
Developer instalments, self-funded
The payment plan — 60/40, 80/20, whatever the project sets — runs on the developer’s milestones. Bank finance during construction is capped at 50% and few lenders offer it at all; the practical route is paying the construction instalments in cash and borrowing at handover.
Stage 2 · At handover
The mortgage starts — against a valuation
At handover the unit is completed property: residents borrow at their normal caps, non-residents at up to 60%. The catch is the valuation gap — the bank lends against its valuation, not your purchase price. If it values at 95%, the missing 5% of expected loan becomes cash you bring on the day.
Lenders that finance off-plan during construction
Caps effective 2026-07-01. CBUAE lending caps as commonly applied by UAE banks; DLD fee schedule. Unverified seed values — confirm before launch.
Indicative only — not an offer of finance. Lender criteria and rates vary and approval is not guaranteed. REIN Investment acts as an intermediary and is not a lender. Off-plan property carries construction, delivery, market and liquidity risk; values can fall.