AUM 99 Residences payment plan and buying costs (2026)

The two columns bracket the project. AED 628,200 is the lowest listed price across the 22 priced units and AED 1,347,028 the highest, per DLD-derived listing data, August 2026. Every unit in the project sits between them, and all 22 are under AED 2,500,000.

One caveat sits in plain sight. The published schedule names an "after booking" tranche without stating when it is triggered. Establish in writing whether that 40 percent is tied to a calendar date or to construction milestones before you sign, because the two produce very different cash-flow profiles.

A post-handover component is the most useful feature of this plan. Deferring 40 percent past completion means the asset can be tenanted, and generating rent, while the balance is still being paid down. That is materially better for a leveraged or cash-constrained buyer than a plan that front-loads everything before keys.

It is not free money. Post-handover instalments are a debt-like obligation that sits outside any mortgage, so run the two together rather than separately. Most lenders will not fund a developer's post-handover balance, which means those payments come from rent and from your own liquidity, in a period when the unit may also be sitting empty between its first and second tenancies.

The practical stress test is simple. Model the post-handover instalments against zero rent for the opening months after completion. If the plan only works with an immediately let unit at an optimistic rent, it does not work. Background on the structure sits in post-handover payment plans in Dubai explained.

The price list is not the cost of ownership. These are the line items to budget for, with the ones that are published shown against the entry studio.

On the top of the range, the same 4 percent transfer fee on the AED 1,347,028 one-bedroom is AED 53,881. The fee is a percentage of price, so it scales with the unit and should be held back in cash rather than assumed into the plan.

Two of the four lines are blanks, and that is the honest position rather than an omission. No Oqood fee schedule and no service charge budget are published for this project. Both are gettable: ask the developer for the RERA-approved service charge budget for the building and for the registration costs in writing before the booking cheque. A quick sanity check on the transfer side is the DLD fee calculator guide, and on the annual side the average service charge per sqft in Dubai.

Oliva is a buyer-side RERA brokerage, BRN 1573501, operating under DLD office card 92025. On an off-plan purchase such as this one the developer pays the commission, so buyer-side advice costs the buyer nothing at all.

A 2 percent fee plus 5 percent VAT applies only to resale and secondary purchases. On those, the AED 5,000 retainer is subtracted at transfer, so there is nothing to credit back and nothing to double pay. Stating the scope matters: anyone quoting you a buyer-side percentage on an off-plan booking is charging for something the developer is already paying for.

No handover date is published for AUM 99 Residences in current listing data. That is the single largest open variable in the plan, because the final 40 percent is defined relative to handover rather than to a date.

Verify it at source. The DLD project register records the anticipated completion date and the project's construction status; the developer should be able to show both. Get the date into the sale and purchase agreement alongside the delay provisions, and confirm what happens to the post-handover schedule if completion slips. A plan whose final tranche is anchored to an undated event is an incomplete plan, however attractive the percentages look.

Pay only into escrow. Off-plan payments in Dubai must be made into the project's registered escrow account under Dubai Law No. (8) of 2007. Match the account details on your transfer instruction against the DLD project registration, character by character. Detail in escrow account protection for off-plan buyers.

Register through Oqood. The sale must be recorded with DLD through Oqood after booking, which is what puts your interest in the unit on the register. See Oqood registration: what off-plan buyers need to know.

Get every milestone in the SPA. All three tranches, their triggers, and the consequence of a missed payment should be in the contract, not in a brochure.

Check the developer's registration. Confirm AG Properties and the project itself on the RERA register before any money moves.

Hold back the fee cash. Budget the 4 percent transfer fee, the registration costs and the first service charge year separately from the booking deposit. These are the amounts that catch out first-time off-plan buyers.

The structure is genuinely buyer-friendly: 20 percent to enter, 60 percent by handover and 40 percent deferred beyond it, on a project where all 22 priced units sit under AED 2,500,000 and the entry is AED 628,200. The gaps are the undated "after booking" tranche, the missing handover date and the unpublished service charge, and none of those is fatal if you close them in writing before signing.

If a specific unit is on your shortlist, order the free underwriting report at /en/report. It returns a buy or do-not-buy verdict on that unit, and it says do-not-buy often enough to be worth having. For the district context see Wadi Al Safa 5 for investors, or browse projects in Wadi Al Safa 5.