Can you buy Golden Visa property on instalments?
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Most buyers do not pay AED 2 million upfront. Payment plans are common — the question is when the property starts to qualify.
Quick answer
Yes. Off-plan payment plans and mortgages can both lead to a Golden Visa. Off-plan units from approved developers registered on Oqood can qualify when the payment conditions in force are met, and mortgaged property can qualify with the required bank documents. Check the current payment and value rules before relying on a plan.
Most buyers do not pay 2 million upfront. Payment plans are common — the question is when the property starts to qualify.
Off-plan payment plans
- Developer and project registered with the DLD
- Purchase registered on Oqood
- Payments into the project escrow account
- Meeting the payment conditions in force at application
Mortgages
A mortgage from an approved UAE bank can be used. Keep the mortgage statement and any bank letter required.
Post-handover plans
Some developers offer payments after handover. The property can qualify once registered, subject to the rules on value and payment.
Planning tips
Ask the developer for a statement of account showing amounts paid and due. Authorities check payment records closely.
Rules on payment levels for off-plan have changed over time — confirm the current position before buying.
Read next
Frequently asked questions
Do I need to pay in full first?
Not always; off-plan and mortgaged property can qualify under the conditions in force.
Does the down payment affect eligibility?
It can, depending on current DLD rules for off-plan and mortgaged files.
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