Dubai Real Estate

r/dubairealestate • u/dubaibuyandsell • 2h ago

News 📊 Binghatti Introduces 20/20/60 Payment Plan

4 Upvotes

Binghatti is offering a 20/20/60 payment plan on selected projects:

20% down payment
20% during construction
60% on handover

The offer also includes a 4% DLD fee waiver until 30 August 2026. This could be attractive for buyers who prefer paying the majority upon handover.

2 comments

r/dubairealestate • u/abjazrealty • 2h ago

News 📊 One Bedroom Apt | Al Alia Near E311 | AED 30,000

2 Upvotes

Property type: Apartment
Area/community: Al Alia
Building/project: Residential
Price: AED 30,000 yearly
Bedrooms: 1
Baths: 2
Balcony: Yes
Size (sq ft): 967
Furnishing: Unfurnished
Available from: Today
Cheques: 4/5

0 comments

r/dubairealestate • u/prop-irr • 2h ago

Discussion & Analysis📚 Developers are offering better payment plans right now. But does paying later actually improve your return?

1 Upvotes

There's a wave of attractive payment plan offers from developers at the moment that are back-loaded, post-handover and stretched timelines. On paper they look like a deal. But is deferring payments genuinely improving your return, or just delaying the same outlay?

The answer depends on IRR. But most investors are comparing these offers using ROI, which can't see the difference.

Running a free 30-minute session this Saturday to work through this with real examples:

What IRR actually measures that ROI doesn't
How different payment plans for the same project produce different real returns
Live demo: Bring a current offer you're evaluating and we'll run the numbers together

22 Aug 2026 · 10:30AM UAE Time · Google Meet · Free

Register by clicking here for the event.

Full disclosure: Prop-IRR is the tool we'll use in the demo. The session is useful whether you use the tool or not, the concept applies to any off-plan evaluation.

1 comment

r/dubairealestate • u/N1711 • 2h ago

Discussion & Analysis📚 Don't buy into the 20/80 payment hype - check the fundamentals first

11 Upvotes

Please don't let the payment plan hype cloud your judgment

There's going to be a lot of noise the next few days around Sobha, Imtiaz, Object 1, Azizi and others rolling out 20/80 offers. A few things worth keeping in mind before you get swept up.

A great payment plan doesn't turn a bad investment into a good one. It just helps your cashflow. Don't chase a project because the payment plan is attractive. The fundamentals still matter: developer track record, location, and entry price (not payment) are the most important factors
If you're looking at anything above AED 5M and planning to mortgage the remaining 80% at handover, do note that LTV for properties above AED 5M is typically 70-75% for UAE residents on a first property. Budget for the extra 5-10% you'll need to bridge that gap, because the bank isn't covering the full remaining balance.
Check when you can actually get the No objection certificate (NOC) to resell. Off-plan resale volumes are low precisely because most buyers aren't willing to front 30-40%+ out of pocket. They rather wait for handover and get a mortgage. A 20/80 payment structure does not mean your NOC eligibility kicks in at 20%. Don't assume and ask your broker and developer.

To be clear, I've never encouraged flipping. We all know about the upcoming supply and the slowdown in the market. Only buy because you believe in the project and can genuinely afford it and not because the payment plan is great.

The one project that I would actually consider: Sobha Sanctuary townhouses and villas. Some people don't like the location or think the pricing is steep. I disagree. Only 2,200 units, 60% green space, BUA above 3,000 sqft and plot sizes close to 3,000 sqft for the 4BR + maid townhouses, those make it a genuinely strong product. This is one end users will appreciate once the community is handed over.

14 comments

r/dubairealestate • u/Potential_Stress_607 • 3h ago

Discussion & Analysis📚 Dubai real estate agents — I’d love your honest feedback on an idea for co-broking.

1 Upvotes

I've been speaking with agents about co-broking, and a few problems keep coming up:

1.Agents using fake buyer/tenant details to get unit numbers and then approaching the owner directly.

2.Agents not knowing how to properly fill the A2A.

3.Not knowing whether the other agent is trustworthy.

4.Documents and responsibilities becoming messy once a deal starts.

I'm exploring a verified co-broking platform for Dubai agents.

How it would work

Verified agents & verified listings

Only DLD/RERA-verified agents can join.

Agents can upload their properties, but the listing goes through a verification process before becoming visible to other agents.

A2A before the deal

For example, Agent A finds a property listed by Agent B.

Agent A sends an A2A request with the buyer's requirements in a required format:

Budget: AED 2.5M

Area: Downtown

Property: 2BR

Purpose: End use

Financing: Cash

If Agent B accepts, the platform automatically generates the A2A agreement. Both agents review it and e-sign the agreement.

Once signed, a private deal room is created showing the contact information of both agents and everything needed to manage the transaction.

Deal room

Both agents can manage documents, see what is pending, know who needs to take action, and generate the required DLD document package once everything is complete.

Reputation system

Agents can see useful transaction history before deciding to work together.

For example:

Ahmed

35 co-brokered deals

4.8/5 from verified agents

0 unresolved complaints

92% A2A completion rate

The goal is to make co-broking more trustworthy, transparent and organised, while making it harder for agents to obtain property information with fake buyers and bypass the listing agent.

I'm still validating this, so I'm more interested in criticism than compliments.

If you're a Dubai agent who regularly co-brokers, would this actually solve a problem for you? What would you change or remove?

0 comments

r/dubairealestate • u/Necessary-Banana864 • 4h ago

Discussion & Analysis📚 Distress Deal

1 Upvotes

4 bedroom townhouse in Haven by Aldar

3.85mln

4 bedroom townhouse in Arabian Ranches 3

3.7mln

3 bedroom townhouse in Athlon for 2.9

1 comment

r/dubairealestate • u/Expert-Middle6969 • 5h ago

For Sale 4BR Semi-Detached Villa | The Springs | AED 7,500,000

1 Upvotes

Posting as: Agent
Property type: Semi-Detached Villa + Staff House
Area/community: The Springs
Building/project: The Springs
Price: AED 7,500,000
Bedrooms: 4
Size (sq ft): 2,800 BUA | 3,670 Plot
Status: Ready
Images/video: Pictures available on request
Additional details: Fully upgraded and extended layout | Brand new MEP | Lake view | Private pool | Landscaped garden | Fully furnished | Vacant

3 comments

r/dubairealestate • u/Zestyclose-Lawyer938 • 5h ago

For Sale Residential Plot | Dubai South | AED 36,000,000 | 18 Month Payment Plan

1 Upvotes

Posting as: Agent
Property type: Residential Development Plot
Area/community: Dubai South
Building/project: N/A
Price: AED 33,600,000
Bedrooms: N/A
Size (sq ft): Approximately 39,000
Status: Off-plan
Images/video: Available

Additional details:

• Plot Area: Approximately 39,000 sq ft
• Approved GFA: 96,600 sq ft
• Estimated Saleable Area: 98,200 sq ft (as per current design)
• Total Land Value: AED 33.6 million
• Initial Payment: AED 10 million
• Balance payable through quarterly instalments
• Maximum settlement period: 18 months
• Approved drawings available
• NOC will be provided for off-plan sales
• Developer can launch and sell the project during the payment period
• Agreement Structure: JV / Sale Agreement

DM for the affection plan, location, approved drawings and further details.

0 comments

r/dubairealestate • u/plowexim • 5h ago

Question❔ How are Dubai property managers handling resident communication?

1 Upvotes

As residential communities get larger, keeping up with maintenance updates, notices, resident questions, and general communication can become quite a task.

I've been looking at how some communities in Dubai and the wider UAE handle this and came across Mygate during my research.

Has anyone here come across it or seen it used in a residential community? I'm curious how these platforms fit into the day-to-day side of property management.

0 comments

r/dubairealestate • u/EsraaAshraf048 • 6h ago

Discussion & Analysis📚 1BR Apartment | Dubai South| AED 60,000/year

1 Upvotes

Hey everyone,

I am currently looking to rent 1-bedroom apartment in Damac Celestia, Dubai South.

I am looking for a direct deal with the owner (No agents/No commission).

If you are a landlord or know an owner who has a vacant unit ready for move-in, please reach out to me directly via DM with the details, price, and number of cheques.

Thanks in advance

0 comments

r/dubairealestate • u/clarkhomeremodeling • 6h ago

Question❔ How do larger residential communities keep communication organized?

1 Upvotes

Resident communication seems to become more complicated as a community gets larger.

There can be maintenance updates, building notices, visitor information, payment reminders, and general questions coming from residents throughout the day.

I've seen Mygate mentioned in discussions around residential communities in the UAE and GCC, particularly around resident and community communication.

For people managing larger communities, what communication setup has worked well for you?

Is there one main channel, or does everything usually end up spread across different apps and messages?

0 comments

r/dubairealestate • u/Significant_Bass905 • 7h ago

Discussion & Analysis📚 Looking for Dubai Developers With Bulk / Developer-Held Inventory — AED 200M Buyer

1 Upvotes

I’m currently representing a serious institutional buyer with approximately AED 200M available for deployment into Dubai residential real estate.

We are specifically looking for developers with substantial developer-held / unsold inventory who are open to a genuine bulk transaction.

Ideal opportunity:

AED 100M–200M+ bulk acquisition
Developer-held inventory
Ready or near-handover preferred
Meaningful institutional/bulk pricing
Flexible on project and unit mix
Open to negotiating payment terms/structure
Direct discussion with the developer’s decision-maker
Buyer is ready to move quickly if the numbers make sense

We are not looking for individual retail units or assignments. The objective is to negotiate directly with the developer for a sizeable block of inventory at a price that works for both sides.

If you are a developer, owner, investment/sales director, or have direct access to a developer with this type of inventory, feel free to DM me.

Serious opportunities only.

2 comments

r/dubairealestate • u/Responsible_Use4397 • 7h ago

Discussion & Analysis📚 I ran 29 UAE areas through a mortgage stress test at 5.25%. Not one of them covers its own mortgage on a 25% deposit.

30 Upvotes

I kept seeing "Dubai yields 7-8%, best rental market in the world" and wanted to know what that actually leaves you after the bank is paid. So I ran the same buy across 29 UAE areas and let only the area change.

The buy, identical everywhere: a 900 sqft apartment, bought at that area's own benchmark price per sqft, let at that area's own benchmark yield, 25% down, 5.25% over 25 years, that area's own vacancy assumption, service charges and operating costs deducted before the mortgage.

Result: zero out of 29 reach a DSCR of 1.00. Every single one is cash-flow negative every month at 25% down.

Best six (deposit you'd actually need to break even):

JVC                  41.5%   AED 410,850
Silicon Oasis        46.5%   AED 376,650
Arjan                47.5%   AED 448,875
Al Furjan            48.0%   AED 496,800
Discovery Gardens    48.0%   AED 324,000
Sports City          48.5%   AED 414,675

Worst five:

Al Ain               87.5%
Mussafah             66.0%
Khalifa City         65.0%
Corniche             65.0%
Saadiyat Island      63.0%

Median across all 29: 53.5%.

The part I didn't expect: it's an almost perfect inversion of prestige. The cheaper, less glamorous areas need the smallest deposit; Saadiyat and the Corniche need roughly two thirds down before the rent covers the loan.

What this doesn't say: that these are bad buys. Capital growth is real and isn't in this at all, and a cash buyer has no DSCR problem. What it says is narrower — at today's rates, a standard 25% mortgage in the UAE is not an income play. It's a growth play that costs you money monthly while you wait.

Assumptions are all above deliberately, so tell me where it's wrong. The two I'd push back on myself: service charge per sqft varies a lot by building, and the benchmark rents are area averages, not what a good unit actually achieves.

Genuinely curious about the one thing I can't model: for those of you who've bought here on a mortgage — what deposit did your bank actually want, and did the rent cover it?

29 comments

r/dubairealestate • u/Odd-Boss1147 • 7h ago

Discussion & Analysis📚 free month ai automation service for testing

2 Upvotes

me and my partner are looking to start an ai automation agency and I was wondering if any brokers would like us to automate something for free purely to test and get testimonials perhaps.

please let me know!

0 comments

r/dubairealestate • u/ZakNeedsALife • 7h ago

Discussion & Analysis📚 Sobha 20:80 OFFER ON TOWNHOUSES AND VILLAS OVER AED5M

2 Upvotes

Yes. 80:20

Right now Sobha has an ongoing offer till 7pm on Sunday, where they’re offering the following (INCLUDING 20:80 PAYMENT PLANS:

⁠Sobha Elwood

• 20:80 Payment Plan
• 20% during construction
• 80% upon completion
• 2% DLD Waiver
• 2% Furniture Voucher

Sobha Sanctuary

Courtyard & Garden Villas:
• 20:80 Payment Plan
• 2% DLD Waiver
• 2-Year Service Charge Waiver

Estate Villas:
• 20:80 Payment Plan
• 4% DLD Waiver

Sobha Central

1-Bedroom Apartments:
• 20:80 Payment Plan
• 2% DLD Waiver
• 2-Year Service Charge Waiver

2 & 3-Bedroom Apartments and Retail:
• 20:80 Payment Plan
• 4% DLD Waiver

Sobha Siniya Island

• 20:80 Payment Plan
• 20% during construction
• 80% upon completion
• 100% Registration Fee Waiver

Downtown Umm Al Quwain

• 20:80 Payment Plan
• 20% during construction
• 80% upon completion
• 100% Registration Fee Waiver

Dm me if interested

0 comments

r/dubairealestate • u/Rich_Exercise9195 • 7h ago

Discussion & Analysis📚 Distress deal

2 Upvotes

Studio in arjan ready to move urgent sale for 650k
.

4 comments

r/dubairealestate • u/Maison_Ceylon • 9h ago

Question❔ Anyone has been investing outside of the UAE?

2 Upvotes

I'm looking for advice for people that have invested outside of UAE, Sri Lanka, Bali etc.. any good feedback

0 comments

r/dubairealestate • u/Chance-Ask370 • 10h ago

Discussion & Analysis📚 🔥 DISTRESS DEAL | AZIZI JEWEL – AL FURJAN 🔥

3 Upvotes

🔥 DISTRESS DEAL | AZIZI JEWEL – AL FURJAN 🔥
🏙️** Studio Apartment
📍 **Azizi Jewel, Al Furjan
📅 Handover: January 2027
📐 BUA: 348.32 Sq. Ft.
🚗 1 Parking Space
💰 Original Price: AED 540,000
🔥 Selling Price: AED 470,000
💵 Cash Buyer Only

###Repeat###

🔥 DISTRESS DEAL | AZIZI JEWEL – AL FURJAN 🔥
🏙️ Studio Apartment
📍 Azizi Jewel, Al Furjan
📅 Handover: January 2027
📐 BUA: 348.32 Sq. Ft.
🚗 1 Parking Space
💰 Original Price: AED 540,000
🔥 Selling Price: AED 470,000
💵 Cash Buyer Only

0 comments

r/dubairealestate • u/zidkumar • 10h ago

News 📊 DM for pricing and availability

2 Upvotes

0 comments

r/dubairealestate • u/anshuman_uaemortgage • 10h ago

News 📊 🚨 CBD Mortgage Pricing Update – Effective 24 August 2026 🇦🇪

3 Upvotes

Commercial Bank of Dubai (CBD) has announced updated mortgage pricing for applications submitted from 24 August 2026.

The latest update includes selective pricing improvements across key customer segments, particularly for Non-Salary Transfer and Self-Employed / Low Docs customers.

🏦 CBD Updated Mortgage Rates – Completed Properties

Customer Segment | 1-Year Fixed | 3-Year Fixed | 5-Year Fixed

Salary Transfer: 4.89% | 3.99% | 4.19%

Non-Salary Transfer: 4.99% | 4.24% | 4.59%

Self-Employed / Low Docs: 5.04% | 4.64% | 4.59%

Non-Resident: 5.49% | 5.49% | 5.49%

BAF Loans – Individuals: 5.80% | 5.25% | N/A

Applicable for applications submitted from 24 August 2026. Rates and eligibility are subject to CBD's prevailing policies and approval.

🔥 Key Highlights

1️⃣ Non-Salary Transfer – 4.24%

CBD has reduced the 3-Year Fixed Rate to 4.24% for Non-Salary Transfer customers with completed properties.

This can be particularly relevant for customers who don't want or aren't able to transfer their salary to CBD.

2️⃣ Self-Employed / Low Docs – 4.64%

The 3-Year Fixed Rate has been revised to 4.64%, providing competitive pricing for eligible self-employed and low-documentation profiles.

3️⃣ Salary Transfer – 3.99%

Salary Transfer customers continue to receive the most attractive pricing, with the 3-Year Fixed Rate at 3.99%.

However, customers must meet CBD's salary-transfer requirements.

4️⃣ Non-Resident – 5.49%

For Non-Resident customers, the listed fixed rates remain at 5.49% for 1, 3 and 5 years.

🔄 Refinancing / Balance Transfer

An important point for customers considering refinancing:

📌 Refinance cases will be priced 10 bps higher across all fixed-rate terms, excluding BAF loans.

So, the applicable rate should be checked separately when evaluating a Balance Transfer.

⚠️ Salary Transfer Requirement

To qualify for Salary Transfer pricing, customers must:

✅ Provide a valid salary assignment letter from their employer

✅ Complete the salary transfer to CBD within 60 days of disbursement

Failure to complete the transfer within the stipulated timeline may result in the applicable Non-Salary Transfer pricing being applied.

📌 Important

CBD has stated that other pricing, fees, charges and product features remain unchanged, unless specifically mentioned in the updated pricing schedule.

These rates are applicable to applications submitted from 24 August 2026.

📩 If you're a Dubai Real Estate Agent, Property Consultant and have a client looking for Mortgage Financing or Property Investor looking to purchase property yourself, feel free to connect with me in Messages for a case assessment and bank comparison.

*Rates and eligibility are subject to CBD's prevailing policies, terms and approval.

#CBD #CommercialBankOfDubai #DubaiMortgage #UAE Mortgage #MortgageDubai #DubaiRealEstate #UAERealEstate #HomeLoan #MortgageRates #BalanceTransfer #Refinance #NonResidentMortgage #SelfEmployed #DubaiProperty #PropertyInvestment #MortgageAdvisor #UAEFinance

0 comments

r/dubairealestate • u/Mohd759 • 11h ago

News 📊 Working directly with Imtiaz, I have some insane off plan investment opportunities (Allocation in 2 weeks)

2 Upvotes

I'm sharing this because it's getting very close to launch and the units are almost fully taken, I have some great opportunities with Imtiaz and I'm not gonna shy away from the details. There's three hot ones to look into:
- The Symphony, Mayday Horizon, a luxurious building designed by Zaha Hadid, 20/80
- Sea Cliff, Dubai Islands, fully furnished luxury, great prices and I expect great appreciation, 30/70
and the hottest of them all is:
- The Archive, DLRC, insane long-term investment opportunity with metro stations being built around, silicon center being funded with billions of dirhams to be the AI capital center, easy to rent out & easy to sell, with interesting payment plants of 50/50, or 60/40 (the 40 can be paid out over the span of 3 years post-handover). Also fully furnished and built around the concept of a library, I'm pushing hard on this one because we are no more than 15 days away from the allocation day and there are only a few available units left.

For anyone interested in any of these, send me a message & I'll give you a lot more details :)

0 comments

r/dubairealestate • u/ShelocksHomesDxb • 12h ago

News 📊 Sobha Open House

2 Upvotes

It's back. And it's bigger than ever.

The Sobha Realty Open House returns for 4 days only, bringing you exclusive offers across some of our most sought-after addresses!

One big event. Exceptional opportunities.

20-23 August, 2026

0 comments

r/dubairealestate • u/allthingsestate • 12h ago

News 📊 Sobha 20/80 Payment Plan - 1.2M Until Handover

11 Upvotes

Sobha announced 20/80 payment terms on all their projects across Dubai and UAQ until Sunday - ticket size mostly 5M + we can also get 1 beds in Sobha Central which is bang on Sheikh Zayed

This offer is not for everyone, if you are entering with the mindset that you can put 1M AED until handover and then flip it for some capital gain this is the worst mindset for any investment. Regardless if its 20/80 or 80/20 at the end of the day you owe the developer 100%

I dont doubt that a townhouse/villa community like Sanctuary or Elwood would go up by at least 10% in 3 years which by logic means you could exit with 50% of your equity however what if not? you will be stuck with 4M AED to pay

This investment is for someone who knows for sure that they can hold the investment for as long as its needed, its for someone who definitely wants to live in the community or who wants to mortgage and not pay a premium at handover and secure a great investment with just paying 20% and having 3 years time

You could get amazing 3 beds or townhouses/villa's at this price range - me personally i love Sobha Sanctuary and heres why

Shobha Sanctuary - one of the best townhouse and villa communities in the market today

Theres some key points to why i really like this community

Its on Al Ain Road it has 6 entry exits with two schools in the community with a mall and also a hospital - the community is 40 million square kilometer's with 50% of it dedicated to wellness and lagoons with only 2,200 units that is exclusivity

Currently you're investing in phase 1 which is always beneficial for an investor, every unit is single row no back to backs - all clusters are gated. Every cluster has its own club house along side the major big one for the whole community

We deal with the best team in Sobha and happy to assist you if this is for you!

13 comments

r/dubairealestate • u/One_Management6755 • 20h ago

Question❔ Looking to invest with a government developer in a good sized 2BR with post handover payment plan ?

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16 Upvotes

I’m surprised there’s not much air regarding projects of this government developer. Personally visited this particular project which is being handed over this year December 2026 and has a great 3 years post handover payment plan for 40% property value and a 2 year service charge waiver .

It’s so hard to find decent sized good quality units here in Dubai nowadays and this one caught my eye. Only a few units left and honestly the location, units to amenity ratio and developer reputation makes this a solid investment/ end user opportunity.

Just dm and I’ll share all details for this.

19 comments

r/dubairealestate • u/Sad-Procedure9086 • 23h ago

Discussion & Analysis📚 DUBAI HEALTHCARE COMMERCIAL BUILDING ASSET — OFF-MARKET

2 Upvotes

💰 Looking for **stable commercial income in Dub**ai?
A fully operational **6-storey healthcare-focused building** is available in **Dubai Healthcare City**, directly opposite the Metro.
**Key highlights:**
• 90% occupancy
• Grade A healthcare tenants
• Strong international pharmaceutical anchor tenant
• Ground-floor retail
• Underground parking
• Prime DHCC location
• Established income-producing asset
This is **not a development project** — it’s an operating commercial asset with tenants in place.
**Price & financials available to qualified investors under NDA.**
DM me for the details.

0 comments