svg
Legal Affairs

Requirements for Buying an Off-Plan Apartment in Dubai

Discover the key requirements for buying an off-plan apartment in Dubai, including legal conditions, payment plans, risks, and benefits every investor should know.

Published At 7/23/2025

Requirements for Buying an Off-Plan Apartment in Dubai
offer
Share This Article

Dubai is one of the most attractive cities for real estate investment in the world, thanks to its advanced infrastructure, investor-friendly laws, and modern lifestyle. Among the options available to investors and buyers, purchasing a residential unit "off - plan" stands out as one of the most popular solutions, as buyers can secure a competitive price and flexible payment plans before the project is completed.

However, this type of transaction requires a clear understanding of the legal and regulatory requirements that govern it, in order to avoid any unwanted surprises and ensure a safe and profitable investment.

What is meant by buying an apartment off-plan?

Off-plan purchasing is the process of reserving and purchasing a real estate property before its construction is complete, whether it's an apartment, villa, or any other type of residential unit. This is done based on project plans, architectural models, and specifications provided by the real estate developer.

buying an apartment off-plan dubai

This type of purchase is popular in the Dubai real estate market, offering investors and buyers the opportunity to purchase a property at lower prices than ready-to-move-in properties, in addition to the possibility of paying in installments that extend throughout the construction period and until delivery.

Legal requirements for purchasing an off-plan residential unit in Dubai

The process of purchasing off-plan real estate in Dubai is subject to a set of laws and regulations established by the Dubai Land Department ( DLD ) and the Real Estate Regulatory Agency ( RERA ) to ensure the protection of buyer rights and regulate the real estate market. The most prominent legal requirements include:

  1. Project Licensing : The project must be licensed and registered with the Real Estate Regulatory Agency ( RERA ), and the developer must have an official permit to sell units off-plan.
  2. Opening an escrow account : The developer must open an escrow account for the project, into which all payments made by buyers are deposited. These funds may only be used to finance the construction of the project.
  3. Preliminary Sales Agreement ( SPA ) : A preliminary sales agreement must be signed that includes all unit details, payment schedule, delivery date, and rights and obligations of both parties.
  4. Registering the contract in the “Ujari” system : The sale contract must be registered with the Department of Lands and Properties through the “Ujari” system or the “Off-Plan Sales Registration System” to ensure the buyer’s rights are documented.
  5. Regulatory approval : Developers are not permitted to advertise or sell before obtaining the necessary approvals from the relevant authorities.

Payment plans and financial payments when purchasing an off-plan unit

One of the most prominent factors that motivates many people to purchase off-plan properties in Dubai is the flexibility of payment and the spread of costs over a longer period. Real estate developers typically offer flexible payment plans, sometimes extending beyond the unit's handover, easing the financial burden on buyers.

off plan dubai apartment

The process often begins with an initial reservation deposit, ranging from 5% to 20% of the total unit price. The remaining amounts are then divided into installments linked to construction phases, such as one payment upon the start of excavation, another upon pouring the foundations, and so on until construction is completed. In some projects, "post-delivery" plans are available, where a portion of the price is paid after the property is received.

It is very important for the buyer to carefully review the payment schedule and ensure that it is clearly included in the sales contract, as compliance with it is a prerequisite to avoiding any potential penalties or delays.

Potential risks and how to protect the buyer

Despite the numerous advantages of purchasing an off-plan residential unit, there are some risks to be aware of. The most prominent of these risks include delayed project delivery, changes to agreed-upon specifications, or even the developer's failure to complete the project.

To protect yourself as a buyer, it is necessary to follow a set of basic steps:

  1. Verify the developer : Ensure the developer's reputation and track record of delivering projects. You can review previous projects and customer reviews.
  2. Buy from licensed and registered projects : Do not purchase any unit off-plan unless the project is officially registered with the Real Estate Regulatory Agency ( RERA ) and has an active escrow account.
  3. Review the sales contract carefully : The contract should be detailed and include all essential items such as the delivery date, payment schedule, and the buyer's rights in the event of delay or breach of terms.
  4. Register the contract with the official authorities : Make sure to register the sales contract with the Land and Property Department. This provides you with stronger legal protection and establishes your rights.
  5. No payments outside the escrow account : All payments must be transferred to the project's designated escrow account, not directly to the developer's account.

Following these steps greatly reduces risk and makes the shopping experience safer and more reliable.

The most important advantages of buying off-plan properties in Dubai

Buying off-plan property is a smart choice for many investors and residents, as it offers unique advantages not often found in ready-to-move-in properties. Some of the most notable advantages include:

  1. Competitive pricing : Off-plan units are often priced lower than their ready counterparts, allowing buyers to get more value for their money.
  2. Wider design and location options : When purchasing early, buyers can choose the unit's location within the project, such as the floor or view, and sometimes even modify some details in the interior finishing to their liking.
  3. Flexible payment plans : Most real estate developers in Dubai offer convenient installment plans spanning several years, which eases the financial burden and provides the opportunity to own a property without the need for immediate loans.
  4. Future investment opportunities : As time passes and the project nears completion, the property's value often increases, giving the buyer the opportunity to resell it at a profit, or use it for rental purposes after delivery.
  5. Modern projects with advanced specifications : Most of the new projects on the plan feature modern construction techniques and integrated facilities such as health clubs, swimming pools, and play areas, enhancing the quality of life within the complex.

Buying property in Dubai through Binaa Investment

Purchasing an off-plan residential unit in Dubai represents a unique opportunity that combines high investment value with flexible payment terms. However, success in this step requires awareness of legal requirements, a thorough understanding of the purchasing process, and caution regarding potential risks. Through careful planning and the assistance of specialized agencies, a safe and profitable purchasing experience can be ensured.

off plan dubai

At Binaa Investment , our consultants are committed to accompanying you every step of the property purchase process, from selecting the right project to reviewing contracts and ensuring the developer's compliance with all terms and conditions. We believe that smart real estate investment begins with accurate information and professional support, and we put our expertise at your service to achieve the best results.

Sign up for the newsletter

Get the latest news and updates related to the field of real estate investment

When you register, this means that you agree to the privacy policy of the Bena Real Estate website