Off-planDubai Creek Harbour · Apartment
Arc 48, 2-bed
AED 2,800,000
2 bed · 2 bath · 1,240 sq ft
Handover Q4 2027 · 60/40 payment plan.
Permit 7150110293Ask Priya
Off-plan advisory · Dubai
Buy the drawing. Own the tower.
I help buyers choose off-plan homes from developers with a record of handing over on time, and I check the escrow account and payment plan before you pay a dirham.
Construction 62%Q3 2026
Paid on a 60/40 plan50% · AED 1,400,000
ARC 48, 2-BED · DUBAI CREEK HARBOUR
48 storeys · 90° twist
Scale 1:1500
48 storeys · 90° twist
Scale 1:1500
AdviserPriya Raman
RERA BRN60392
BrokerageGroundwork Property Advisory · ORN 33781
Launches advised38 since 2017
LanguagesEnglish, Hindi, Tamil
Current launches
Projects I would put my own money into.
Each one is from a developer with escrow registered at the DLD. I’ve read the sale and purchase agreement and checked the handover clause.
Off-plan
Off-planDubai Hills Estate · Townhouse
Hillside Terraces
AED 4,950,000
4 bed · 5 bath · 2,980 sq ft
Handover Q2 2028 · 70/30 payment plan.
Permit 7150124410Ask Priya
Off-planJumeirah Village Circle · Apartment
Circle Park Studios
AED 780,000
Studio · 1 bath · 430 sq ft
Handover Q1 2027 · 40/60 payment plan.
Permit 7150139877Ask Priya
Off-planSobha Hartland · Apartment
Lagoon Edge 3-bed
AED 3,650,000
3 bed · 4 bath · 1,790 sq ft
Handover Q3 2027 · 50/50 payment plan.
Permit 7150142266Ask Priya
For saleDubai Creek Harbour · Apartment
Handed-over 1-bed resale
AED 1,640,000
1 bed · 2 bath · 820 sq ft
Permit 7150150081Ask Priya
For rentDubai South · Villa
Aviation District Villa
AED 210,000 a year
4 bed · 4 bath · 3,300 sq ft
Permit 7150163390Ask Priya
How off-plan buying works
From reservation to keys in five steps.
The steps are always in this order. I handle the paperwork at each one and send you a summary before you sign.
- 01
Reserve
Pay the booking amount, usually 10–20%, into the project’s escrow account. Never to a personal account.
Week 1 - 02
Sign the SPA
The sale and purchase agreement fixes the price, plan and handover date. I mark every clause that matters.
Weeks 1–3 - 03
Register Oqood
The DLD records your unit. The 4% transfer fee is paid at this stage, not at handover.
Within 30 days - 04
Pay by milestone
Instalments fall due as construction reaches set stages. I send you the site photos at each one.
During construction - 05
Snag & hand over
We inspect the finished unit together, list the defects and make sure they’re fixed before you take the keys.
Handover
Payment plan
See every payment before you commit.
Choose a price and a plan. The schedule shows what falls due at each stage, including the DLD fee at registration.
Typical milestone splits. Each developer’s SPA sets the exact dates.
| Stage | Due | Share | Amount |
|---|---|---|---|
| DLD fee (4% + AED 580) | Oqood registration | — | AED 112,580 |
| Booking | On signing | 10% | AED 280,000 |
| Oqood registration | Within 30 days | 10% | AED 280,000 |
| 20% construction | Q3 2025 | 10% | AED 280,000 |
| 40% construction | Q1 2026 | 10% | AED 280,000 |
| 60% construction | Q3 2026 | 10% | AED 280,000 |
| 80% construction | Q1 2027 | 10% | AED 280,000 |
| Handover | Q4 2027 | 40% | AED 1,120,000 |
| Total including DLD fee | AED 2,912,580 | ||
Mortgage at handover
Financing the final payment.
Most buyers take a mortgage for the handover balance. Banks lend on ready homes, so this applies at completion.
Minimum deposit for this price and buyer: 20%.
Monthly payment
AED 11,318
- Loan amount
- AED 2,100,000
- Deposit
- AED 700,000
- DLD transfer fee (4% + AED 580)
- AED 112,580
- Mortgage registration
- AED 5,540
- Agency fee (2% + VAT)
- AED 58,800
- Trustee office
- AED 4,200
- Cash needed on transfer
- AED 881,120
- Interest over the term
- AED 1,295,337
Estimates. Your bank’s offer is final.
About Priya
An engineer who reads the small print.
I spent eight years on construction sites in Chennai and Dubai before moving into property advice. I can read a structural drawing, a construction progress report and an escrow statement, and I’ll tell you when a launch is priced on hype.
I only advise on projects from developers who have handed over at least three buildings within six months of the promised date.
38Launches advised
0Client projects delayed past 12 months
6 moMax delay I’ll accept
Client notes
Signed off by buyers.
Priya talked us out of a launch with no escrow number on the brochure. Six months later the project was paused.
Her snagging list ran to 64 items. The developer fixed every one before we took the keys.
She sent site photos at every milestone, so I always knew what my money had paid for.
Contact
Get the launch list before the agents do.
Every month I send a short list of launches I’d consider, with the developer’s delivery record. Tell me your budget and I’ll add you.
WhatsApp & phone+971 50 555 0172
Emailpriya@example.ae
OfficeBusiness Bay, Dubai