Mina Al Arab payment plans compared across three towers

Cape Hayat offers a 40/60 cash plan or a post-handover 50/50 plan. Nura offers a standard 40/60 or a special 60/40 plan. Skai offers three plans. All three are RAK Properties developments in Mina Al Arab.

6 November 2026 · By Orven Properties · 4 min read

Pictured: Nura, Mina Al Arab, Ras Al Khaimah

Mina Al Arab payment plans are not uniform, even across projects from the same developer. RAK Properties publishes different structures for each of its three towers in the area: Cape Hayat, Nura, and Skai, with Skai offering the widest choice of all.

Cape Hayat: cash or post-handover

Cape Hayat, in Hayat Island, offers a cash plan of 40% at reservation and 60% at a later stage, or a post-handover plan of 50% paid before handover and 50% paid afterward over 2 or 3 years, with a 10% down payment. The post-handover option is reserved for 1 and 2 bedroom units only. Entry price starts from AED 700,000, with delivery stated for Q3 2026.

Nura: standard versus special

Nura, in Downtown Mina, publishes two named plans: a standard 40/60 split, and a special 60/40 split that reverses the weighting toward the earlier stage. Entry price starts from AED 800,000, with delivery stated for Q1 2029.

Skai: three plans to choose from

Skai, on Raha Island within the South Harbour area, offers the most choice: a standard 50/50 plan, an advanced 70/30 plan, and a post-handover 60/40 plan. Entry price starts from AED 877,000, with delivery stated for Q2 2028.

Why the post-handover option matters

Both Cape Hayat and Skai offer a post-handover structure, which extends part of the payment beyond the delivery date itself. Cape Hayat restricts this option to smaller units; Skai's post-handover plan is not restricted by bedroom count in our fiche. This difference is worth confirming with your adviser if a post-handover plan is central to your budget planning.

A quick comparison table

Project	Plans available	Entry price	Delivery
Cape Hayat	Cash 40/60; post-handover 50/50	From AED 700,000	Q3 2026
Nura	Standard 40/60; special 60/40	From AED 800,000	Q1 2029
Skai	Standard 50/50; advanced 70/30; post-handover 60/40	From AED 877,000	Q2 2028

What is not published

None of the three fiches breaks down the exact instalment dates within each plan beyond the headline percentages. Your adviser requests the detailed schedule from RAK Properties for the specific plan and unit you are considering.

Registration on top of the plan

Ras Al Khaimah's ZL13 sale registration service applies a 2% fee to the seller and 2% to the buyer, plus 200 AED each for plan and title issuance, regardless of which Mina Al Arab project or plan you choose.

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Mina Al Arab within Ras Al Khaimah's wider market

Mina Al Arab is one of four main marketed areas in Ras Al Khaimah, alongside Al Hamra Village, Al Marjan Island, and RAK Central, across five developers active in the emirate. All three payment plans compared here come from a single developer, RAK Properties, which explains why the underlying structures share a similar logic despite their differences.

A disclosure repeated across all three fiches

Ras Al Khaimah's official destination page flags plot locations as approximate across the board, so Cape Hayat, Skai and Nura buyers should ask their adviser to pin down the exact plot rather than rely on the map alone. All three project fiches repeat the same point on availability and unit terms: treat your adviser's current figures as the source, not whatever the general marketing material implies.

How a plan choice interacts with delivery date

Cape Hayat's post-handover option extends payment beyond its Q3 2026 delivery date, which is sooner than Skai's Q2 2028 or Nura's Q1 2029. A buyer choosing a post-handover plan on a project with a later delivery date effectively extends their total payment horizon even further into the future.

What your adviser confirms before you choose a plan

Beyond the headline percentages, your adviser confirms the exact calendar dates tied to each instalment, any currency or bank transfer requirements, and whether early repayment of a later instalment is permitted without penalty for any of the three projects.

Next step

Tell your adviser which plan structure fits your cash flow, cash-weighted, post-handover, or a special split, on WhatsApp at +971 52 776 1939 or at sales@orvenproperties.com. Our Mina Al Arab district guide and our Ras Al Khaimah payment plans compared guide cover the wider area. You can also start at /find-your-home/.

FAQ

Which Mina Al Arab project offers the most payment plan choice? Skai, with three published options: standard 50/50, advanced 70/30, and post-handover 60/40.

Is the post-handover plan the same at Cape Hayat and Skai? No, Cape Hayat's post-handover plan is reserved for 1 and 2 bedroom units; Skai's is not restricted by bedroom count in our fiche.

What does Nura's special plan offer? A 60/40 split, weighted more heavily toward the early stage than its standard 40/60 plan.

Does the registration fee change by project? No, Ras Al Khaimah's 2% buyer and 2% seller registration fee applies regardless of which Mina Al Arab project you choose.