Best off-plan projects in Dubai to pay the most at handover in 2026
If you would rather keep more capital until completion, Coastal Haven, Golf Residences and five other projects in the Orven selection publish a payment plan weighted toward handover. Here is how each one compares, and what still needs confirming.
Some buyers prefer to keep capital available until closer to completion, often to arrange bank financing for the final instalment. Several projects in the Orven selection publish a payment plan where the largest share falls due at handover. This guide compares them, with Golf Residences as the anchor.
How we selected these projects
We only list projects with a published payment plan where the handover instalment is the largest single share, confirmed in writing by the developer. This is a comparison of structure, not of quality, and none of these plans is described as better than the others; they simply suit a buyer who wants to delay the bulk of the payment.
Payment plans weighted toward handover
| Project | District | Structure | Due at handover |
|---|---|---|---|
| Coastal Haven | Dubai Islands | 20% reservation, 80% handover | 80% |
| Golf Residences | Dubai Sports City | 20% reservation, 20% construction, 60% handover | 60% |
| Hilton Residences | Dubai Maritime City | 20% reservation, 40% construction, 40% handover | 40% |
| FAUCHON Résidences | Jumeirah Garden City | 20% reservation, 40% construction, 40% handover | 40% |
| Chelsea Residences | Dubai Maritime City | 20% reservation, 40 monthly 1% instalments, 40% handover | 40% |
| Bay Estate (villas and townhouses) | Dubai Islands | 20% deposit, staged instalments, 40% handover | 40% |
| Luxury Canal Residences | Dubai Islands | 20% reservation, 45% construction, 35% handover | 35% |
| Sanctuary Residences | Meydan Horizon | 20% reservation, 45% construction, 35% handover | 35% |
Golf Residences sits in Dubai Sports City, with two- and three-bedroom residences built around golf-course views. Its 60% handover instalment is the second heaviest in the collection after Coastal Haven's 80%, which makes it a useful middle point for a buyer who wants a lower handover share than Coastal Haven but more than Hilton or FAUCHON.
Bank financing the final instalment
Several buyers plan to cover a large handover instalment with bank financing arranged closer to completion. Financing is possible for certain non-residents in Dubai, always subject to the lender's approval, and your adviser can walk you through what that process typically looks like once you are closer to handover. Our guide on financing the 80% at handover for Coastal Haven goes into this in detail for the heaviest plan in the collection, and the same logic applies, proportionally, to Golf Residences' 60% and the 40% plans.
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What is not part of any of these plans
No project in this list, or anywhere in the current Orven selection, publishes a post-handover payment plan, meaning instalments that continue after you take possession. Chelsea Residences is the only project with a monthly 1% instalment, and that structure runs during construction, from month 3 to month 42, before the 40% handover payment, not after it. Do not confuse the two.
Who this structure tends to suit
A handover-weighted plan suits a buyer who expects their liquidity to improve closer to completion, who plans to finance the final instalment, or who simply prefers to commit less capital upfront. It suits less well a buyer who wants predictable, smaller payments spread evenly across the construction period, for whom Chelsea's monthly structure or a construction-weighted plan such as Luxury Canal's or Sanctuary's may fit better.
What to check before choosing a handover-weighted plan
Before committing to a plan where most of the price falls due at handover, it is worth confirming three things with your adviser: the current construction progress, since the official DLD Project Status Enquiry service lets you track milestones against an escrow-controlled account; whether your bank, or a bank you intend to approach closer to completion, is comfortable lending to a non-resident on the project in question; and the exact date your adviser expects handover to be confirmed, since the figures above are developer estimates rather than fixed dates.
Talk to an adviser about your cash flow
Message Orven on WhatsApp at +971 52 776 1939 or at sales@orvenproperties.com with how you want to spread your payments. Your adviser confirms the current structure for Golf Residences, Coastal Haven, or any other project in this comparison, and discusses financing options for the handover instalment. Brokerage is provided through ORVEN REAL ESTATE BROKERAGE L.L.C S.P.C (Economic License No. CN-6800129, ADRA).
FAQ
Which project has the heaviest handover payment in the Orven selection? Coastal Haven, with 80% due at handover, the heaviest among all published plans.
Is Golf Residences' plan lighter than Coastal Haven's? Yes. Golf Residences requires 60% at handover against Coastal Haven's 80%, with an extra 20% due during construction instead.
Can I finance the handover instalment with a bank loan? Financing is possible for certain non-residents, always subject to the lender's approval. Your adviser discusses the process as you approach handover.
Does any project combine a handover-weighted plan with monthly instalments? Chelsea Residences combines monthly 1% instalments during construction with a 40% payment at handover; the monthly payments do not continue after handover.
Is a handover-weighted plan riskier than a construction-weighted one? Neither is inherently riskier; they simply suit different cash flow situations. Your adviser discusses which fits your plans before you reserve.
ORVEN PROPERTIES
Talk to an Orven adviser
Leave your number: an adviser calls you back or replies on WhatsApp, in your language. No commitment.
Frequently asked questions
Which project has the heaviest handover payment in the Orven selection?
Coastal Haven, with 80% due at handover, the heaviest among all published plans.
Is Golf Residences' plan lighter than Coastal Haven's?
Yes. Golf Residences requires 60% at handover against Coastal Haven's 80%, with an extra 20% due during construction instead.
Can I finance the handover instalment with a bank loan?
Financing is possible for certain non-residents, always subject to the lender's approval. Your adviser discusses the process as you approach handover.
Does any project combine a handover-weighted plan with monthly instalments?
Chelsea Residences combines monthly 1% instalments during construction with a 40% payment at handover; the monthly payments do not continue after handover.
Is a handover-weighted plan riskier than a construction-weighted one?
Neither is inherently riskier; they simply suit different cash flow situations. Your adviser discusses which fits your plans before you reserve.
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