Valencia payment plan and buying costs (2026)

The structure is front-light and back-heavy in an unusual way. Only 5 percent gets you in, but 60 percent of the price is due before you take the keys, and the remaining 40 percent lands in one lump on handover. That is a materially different cash-flow shape from a post-handover plan, and it is the single thing to model before signing.

Read from the buyer's side: 60 percent falls due between booking and handover, and 40 percent falls due at handover itself. The developer has not published how the 55 percent tranche is broken up, nor whether its instalments are tied to construction milestones or to fixed calendar dates. That is the first question to ask, because the two behave very differently. Construction-linked instalments slow down when the project slows down, which protects your cash. Date-linked instalments do not.

The table below applies the published percentages to the floor and the ceiling of the price list. The arithmetic is the developer's own percentages applied to the developer's own prices, nothing more.

The number that decides most cases is the middle row. Carrying AED 381,150 on a studio, or AED 1,057,650 on a two-bedroom, across the construction period is the real commitment, and it happens while the asset produces no income. Buyers who plan to cover the handover tranche with a mortgage should confirm early that a lender will underwrite the unit at completion, since off-plan lending decisions are made against the finished property and the valuation of the day, not against the price you agreed at launch.

DLD transfer fee: 4 percent of the purchase price. On the entry unit that is AED 27,720; at the top of the list AED 76,920. Budget it as cash, not as something folded into the plan.

Oqood registration. Off-plan sales are recorded with DLD through the Oqood system after booking. Confirm the registration has actually been filed rather than promised, and keep the confirmation.

Escrow. Every off-plan project in Dubai must hold buyer funds in a registered escrow account under Dubai Law No. (8) of 2007. Verify the account number against DLD's project registration and pay into that account only.

Service charges after handover. No figure has been published for this project. Service charges are set through RERA-approved budgets, so ask for the budget basis for the building and for how the charge will be reviewed once the community is operating.

Brokerage. Oliva is a buyer-side RERA brokerage (BRN 1573501). On off-plan the developer pays Oliva's commission, so buyer-side advice costs the buyer nothing. A 2% + 5% VAT buyer fee applies only to resale and secondary purchases, and the AED 5,000 retainer is subtracted at transfer, so there is nothing to credit and nothing to double pay.

No handover date has been published for this release. With 40 percent of the price attached to handover, an undated milestone is an open-ended obligation, and it should be closed before signature rather than after.

Three practical steps. First, require a completion date in the sales and purchase agreement, expressed as a date rather than a quarter where the developer will accept it. Second, ask for the delay remedy in writing: what happens if the date slips, at what point you can withdraw, and on what terms funds are returned from escrow. Third, check the project's registered completion percentage and expected completion on DLD's own records rather than relying on the sales office, and re-check it before each instalment.

A handover date quoted verbally, or shown only on a brochure, is not a contractual date. If the developer will not put one into the agreement, that is information about the release rather than an administrative detail.

Escrow account verified with DLD under Dubai Law No. (8) of 2007, and every payment routed to it.

Oqood registration filed and the confirmation held by you, not only by the agent.

Milestone schedule annexed to the sales and purchase agreement, with each of the instalments inside the 55 percent tranche named and triggered.

Default terms understood in both directions: what the developer may do if you miss an instalment, and what you may do if the developer misses a date.

Unit identity fixed in the agreement: floor, line, aspect and RERA-measured area, so the price you agreed maps to the unit you receive.

Payment routing confirmed in writing before the first transfer, and confirmed again before any later instalment if bank details change. Treat any change of account details as suspect until verified with the developer directly.

A 5/55/40 plan on a release priced from AED 693,000 is accessible at the door and demanding in the middle. It suits buyers who can fund the staged 55 percent from income and who have a credible route to the 40 percent at completion. It does not suit buyers relying on a resale before handover to escape the back end.

Before committing to a specific unit, order the free underwriting report at /en/report. It returns a buy or do-not-buy verdict on that unit, and the verdict is often do-not-buy. For the surrounding market see Damac Lagoons for investors and Valencia pricing and Damac Lagoons rental context, and browse the live list at projects in Damac Lagoons.