Coastal Haven, preparing the 80% due at handover
Coastal Haven's 20/80 plan leaves the full 80% due at handover. How to prepare it, whether from savings or bank financing subject to the lender's approval, with no rate assumed.
Why the 80% deserves its own plan
Coastal Haven on Dubai Islands is sold with 20% at booking and 80% at handover, with nothing due in between. That single feature is what sets it apart from Hilton Residences (20/40/40) or Luxury Canal Residences (20/45/35), where the construction period absorbs a large share of the price gradually. At Coastal Haven, the entire balance arrives at once, near completion, so it is worth preparing well before the date approaches rather than in the final weeks.
Savings, sale proceeds, or a bank loan
There are three broad ways buyers cover the 80%: from savings set aside over the build period, from the proceeds of selling another asset timed to land near handover, or with bank financing for the portion not covered by cash. None of these is assumed by default. If you plan to rely partly on a loan, the earlier you flag this to your adviser, the more time you have to gather the documents a UAE lender typically requests from a non-resident applicant.
What bank financing actually depends on
Financing the 80% at handover is possible for some non-residents, always subject to the lender's approval and a valuation carried out near completion, not at booking. Two points matter:
| Point | What it means for you |
|---|---|
| Timing of approval | The lender assesses you and the finished (or near-finished) unit close to handover, not when you reserve |
| No guarantee at booking | A mortgage is not secured until the offer is signed; plan for the scenario where you settle the 80% without one |
Because approval happens late in the process, treat any financing plan as a possibility to prepare for, not a certainty to build your budget around from day one.
Building a realistic handover budget
Beyond the 80% itself, the acquisition costs stack on top of the unit price: the Dubai Land Department's 4% registration fee, the Oqood registration fixed for off-plan sales, the developer's administrative charges as stated in the sales documents, and your own bank's international transfer fees. A buyer preparing the 80% should size the full handover payment against these additions, not the unit price alone.
A practical timeline to prepare
- As soon as you book: ask your adviser what non-resident buyers generally need to provide if they intend to apply for financing, so you can start gathering documents early.
- Mid-build: review your savings plan against the project's progress, checked through the DLD's Project Status Enquiry service, rather than waiting for a fixed calendar date.
- As handover approaches: confirm with your adviser whether a lender conversation makes sense for your profile, and request the final estimate of acquisition costs.
- At handover: transfer the balance to the escrow account, complete the DLD registration, and receive your title deed.
ORVEN PROPERTIES
Talk to an Orven adviser
Leave your number: an adviser calls you back or replies on WhatsApp, in your language. No commitment.
Reserving and preparing from abroad
- Message +971 52 776 1939 on WhatsApp with your budget and bedroom preference.
- Reserve with the 20%, transferred to the escrow account with proof of source of funds.
- Use the construction period to build your handover budget, whether through savings or an early conversation with a bank.
- Confirm the final handover figure with your adviser before the balance is due.
See the Coastal Haven page for the current selection, and read our guide on the 20/80 structure itself if you have not reserved yet. Brokerage is carried out through ORVEN REAL ESTATE BROKERAGE L.L.C S.P.C (Economic License No. CN-6800129, ADRA).
Why early planning pays off
A buyer who waits until the final weeks before handover to think about the 80% puts themselves in a tight spot: the lender's assessment window is relatively short, gathering documents takes time, and any delay in savings or in selling another asset is hard to make up at the last minute. An investor who plans from booking, and reviews progress with their adviser every few months, arrives at handover with clearer options rather than a rushed decision.
What Orven does along the way
Your adviser's role does not stop at booking. We follow the project's progress with you through the construction period, remind you of practical steps as handover approaches, and flag any update to fees or procedures as soon as it appears in the official documents.
FAQ
Can I split the 80% into smaller payments if I ask the developer? The published structure is 20% at booking and 80% at handover. Any variation would need to be agreed and stated in the sales agreement; ask your adviser before assuming it is available.
When should I start discussing bank financing? As early as booking, even though the lender's actual approval happens close to handover. Early contact gives you time to prepare the required documents.
What happens if my financing is not approved near handover? You remain responsible for the full 80% as per your sales agreement. This is why a savings plan alongside any financing option is worth keeping in place.
Are there fees on top of the 80% I should budget for? Yes: the DLD's 4% registration fee, the Oqood registration, the developer's administrative charges and your bank's transfer fees. Ask for a written estimate before handover.
Does Orven charge the buyer for this guidance? No. Orven's fee comes from the developer; our advice on preparing your handover budget comes at no cost to you.
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
Can I split the 80% into smaller payments if I ask the developer?
The published structure is 20% at booking and 80% at handover. Any variation would need to be agreed and stated in the sales agreement; ask your adviser before assuming it is available.
When should I start discussing bank financing?
As early as booking, even though the lender's actual approval happens close to handover. Early contact gives you time to prepare the required documents.
What happens if my financing is not approved near handover?
You remain responsible for the full 80% as per your sales agreement. This is why a savings plan alongside any financing option is worth keeping in place.
Are there fees on top of the 80% I should budget for?
Yes: the DLD's 4% registration fee, the Oqood registration, the developer's administrative charges and your bank's transfer fees. Ask for a written estimate before handover.
Does Orven charge the buyer for this guidance?
No. Orven's fee comes from the developer; our advice on preparing your handover budget comes at no cost to you.
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