SAMANA Dubai Payment Plan Explained Across Four Projects

SAMANA structures its Dubai payment plans around long post-handover instalments rather than a flat percentage. Ocean Bay, Ocean Crest, Samana Manhattan 2 and South Haven each publish their own terms, from 10% down to extended 1% monthly payments.

6 November 2026 · By Orven Properties · 4 min read

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A "SAMANA Dubai payment plan" search usually wants one number: how much is due now versus later. SAMANA's answer is unusual among Dubai developers, it spreads a large share of the price into small monthly instalments that continue well after handover, and the exact split differs across its four projects in the Orven selection: Ocean Bay, Ocean Crest, Samana Manhattan 2 and South Haven.

The common thread: post-handover, not just pre-handover

Most Dubai developers ask for a deposit, progress payments during construction, and a balance on handover. SAMANA's published plans add a third phase: a long run of small monthly payments after you already hold the keys. That structure shows up on every project below, though the length and percentage of those monthly instalments change from one address to the next.

Ocean Bay, Dubai Islands

Ocean Bay is a six-floor boutique building where every apartment, one to four bedrooms, includes a private pool, starting from AED 2,887,000. Its published plan runs 20% down during construction, then 10% at each of months 12, 18 and 24, followed by 2% per month over 25 months after handover. Completion is targeted for Q2 2028.

Ocean Crest, Dubai Islands

Ocean Crest sits nearby on Dubai Islands with 63 residences from one to four bedrooms, starting from AED 2,149,000. Its PDC (post-dated cheque) option asks for 15% down, 5% on the fourth month and 10% on handover, then 1% per month across 70 months. Completion is targeted for Q4 2028.

Samana Manhattan 2, JVC

In Jumeirah Village Circle, Samana Manhattan 2 offers studios and one to two bedroom apartments, several with private pools, with price on request. Two structures are published: a PDC option of 15% on booking plus instalments at months 6, 12 and 18, then 1% monthly over 35 months; or a non-PDC option of 20% down plus the same milestone instalments, then 0.5% to 1% monthly over 30 to 50 months. Handover is targeted for Q4 2027.

South Haven, Dubai South

South Haven is SAMANA's entry-level Dubai South address, studios to two bedrooms from AED 599,000. Its PDC option is 10% down, 5% on month 4, 10% on month 12, then 1% monthly over 75 months; the non-PDC option raises the down payment to 15% with the same milestones, then 1% monthly over 70 months. Handover is targeted for Q2 2029.

Comparing the four at a glance

Project	Starting price	Down payment	Post-handover tail
Ocean Bay	AED 2,887,000	20%	2%/month over 25 months
Ocean Crest	AED 2,149,000	15% (PDC)	1%/month over 70 months
Samana Manhattan 2	Price on request	15 to 20%	0.5 to 1%/month over 30 to 50 months
South Haven	AED 599,000	10 to 15%	1%/month over 70 to 75 months

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What a PDC option actually means

PDC stands for post-dated cheque. Choosing it generally lowers your down payment slightly in exchange for issuing a longer series of dated cheques that your adviser and SAMANA's sales team schedule together. The non-PDC option raises the upfront share but can shorten or restructure the tail. Neither is inherently better, it depends on your cash flow and how long you are comfortable holding monthly commitments after you already own the unit.

Escrow and financing still apply as usual

Every instalment, whether pre- or post-handover, is paid into an escrow account controlled by the Dubai Land Department, with progress visible through the DLD's Project Status Enquiry service. Bank financing remains possible for certain non-residents, always subject to the lender's approval; no bank or rate is confirmed for any SAMANA project specifically.

Your next step

Since each SAMANA project runs a different percentage and a different tail length, tell your adviser your budget, the district you prefer, Dubai Islands or Dubai South, and whether a shorter down payment or a shorter post-handover tail matters more to you.

For a closer look at one of these addresses, see our Ocean Crest guide, and for the wider island context, our best projects in Dubai Islands 2026 places all four SAMANA options alongside their neighbours.

Send your budget and preferred project to Orven on WhatsApp at +971 52 776 1939 or at sales@orvenproperties.com, or start your search at /find-your-home/.

FAQ

Is there one SAMANA payment plan that applies to all its Dubai projects? No, each project publishes its own structure; Ocean Bay, Ocean Crest, Samana Manhattan 2 and South Haven all differ.

What is a PDC option? A post-dated cheque structure, usually with a lower down payment in exchange for a longer series of scheduled post-handover payments.

Which SAMANA project has the lowest starting price? South Haven, in Dubai South, from AED 599,000.

Do the post-handover payments continue after I receive the keys? Yes, that is the structure's defining feature; monthly instalments continue for many months or years after handover on each of these four projects.

Can non-residents get bank financing instead of SAMANA's instalment plan? Possible for certain non-residents, subject to the lender's approval, with no bank or rate confirmed for any SAMANA project.