Emaar Dubai Payment Plan: What Is Actually Published Right Now
Most current Emaar releases publish an 80/20 plan with 10% down, like Avelia and Hills Park, but Rivana offers 90/10 with only 10% due at booking. Structure varies by project, not by developer.
Emaar does not run one single payment plan across every project. Most current releases publish an 80/20 structure with 10% due at booking, seen at Avelia and Hills Park, while Rivana offers a more buyer-friendly 90/10 split with only 10% due at booking. The exact split depends on the specific project, not on the developer as a whole.
Three published examples side by side
| Project | District | Plan | Handover |
|---|---|---|---|
| Avelia | The Valley | 80/20, 10% down | Q4 2029 |
| Hills Park | Dubai Hills Estate | 80/20, 10% down | Q2 2026 |
| Rivana | The Valley | 90/10, 10% down | Q1 2027 |
Avelia: a long villa plan with an interest-free structure
Avelia groups four and five bedroom standalone villas in The Valley, ranging from roughly 5,600 to 9,600 square feet. The published plan is interest-free 80/20 with 10% down, running through to a Q4 2029 handover, one of the longer construction horizons currently on offer in the community.
Hills Park: the same 80/20 shape, a much nearer handover
Hills Park is a 19-storey tower in Dubai Hills Estate offering one to three bedroom apartments around a podium pool and sun deck. It carries the same 80/20 plan with 10% down as Avelia, but the handover is set for Q2 2026, making it one of the nearer-term options currently published for Dubai Hills Estate.
Rivana: a different ratio, lower upfront commitment
Rivana introduced The Valley's first twin-villa format, three, four and five bedroom homes in two architectural styles. Instead of 80/20, Rivana publishes a 90/10 structure: only 10% is due at booking, with the bulk deferred to handover in Q1 2027. That makes it one of the more buyer-friendly plans currently on Emaar's books, at least in terms of upfront cash needed.
Why the ratio changes from one project to another
Emaar prices and structures each release independently, based on the asset type, the construction timeline and current demand for that specific community. Villas in The Valley tend to cluster around 80/20, but not uniformly, Rivana being the clear exception among the projects reviewed here. Apartments in Dubai Hills Estate follow the same 80/20 logic at Hills Park, but other Dubai Hills releases publish different figures again. Treat every project as its own case rather than assuming a single Emaar-wide formula.
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What is not published for these three
None of Avelia, Hills Park or Rivana lists a starting price that this guide can repeat with full certainty beyond what each project's official page shows at verification; your adviser should confirm the current entry price and unit availability before you commit to a specific plan. The percentages above are the published structure, not a guarantee that today's inventory still matches the original release pricing.
What a 10% down payment actually means
A 10% down payment plan lowers the amount due at booking compared with a 20% down structure, but it does not change the total price of the unit. The remaining 90% (or 70% in an 80/20 plan after the down payment) is still spread across construction milestones and handover, confirmed project by project in the sale and purchase agreement.
DLD fees sit outside any payment plan
Dubai Land Department registration fees run at 4% of the sale price for a completed transaction, with a fixed Oqood fee for an off-plan registration confirmed in the contract. Neither figure is included in the 80/20 or 90/10 percentages above; both come on top once a unit price is finalised.
Financing a payment plan with a bank
Bank financing remains possible for certain non-residents buying into an Emaar payment plan, always subject to the lender's own approval. No interest rate, loan-to-value ratio or specific bank is confirmed here, since terms vary by applicant and by lender.
Next step
Tell your adviser which Emaar community interests you, The Valley villas, Dubai Hills Estate apartments, or another release entirely, and they will confirm the current payment plan and unit availability. Our Avelia guide and our Rivana guide go deeper into each project's specific terms. Message an Orven adviser on WhatsApp at +971 52 776 1939 or email sales@orvenproperties.com, or browse current availability through find your home.
FAQ
Does Emaar use the same payment plan for every project? No. Most current releases publish 80/20 with 10% down, like Avelia and Hills Park, but Rivana publishes 90/10 instead.
What does a 90/10 plan mean at Rivana? Only 10% is due at booking, with the remaining 90% spread through construction and due at handover in Q1 2027.
Are DLD fees included in the published percentages? No. Dubai Land Department registration fees of 4% and the Oqood fee for off-plan sales sit outside the payment plan and are confirmed in the contract.
Can a non-resident get bank financing for an Emaar payment plan? Financing is possible for certain non-residents, subject to the lender's approval, with no fixed rate or bank confirmed here.
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
Does Emaar use the same payment plan for every project?
No. Most current releases publish 80/20 with 10% down, like Avelia and Hills Park, but Rivana publishes 90/10 instead.
What does a 90/10 plan mean at Rivana?
Only 10% is due at booking, with the remaining 90% spread through construction and due at handover in Q1 2027.
Are DLD fees included in the published percentages?
No. Dubai Land Department registration fees of 4% and the Oqood fee for off-plan sales sit outside the payment plan and are confirmed in the contract.
Can a non-resident get bank financing for an Emaar payment plan?
Financing is possible for certain non-residents, subject to the lender's approval, with no fixed rate or bank confirmed here.
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