Buy a New-Build Apartment in Dubai
New-build property in Dubai offers modern finishes, the latest amenities and attractive payment plans directly from the developer. With a deposit of just 10–20% and interest-free instalments, you can acquire an apartment without bank financing.
Advantages of new-build over existing stock
With new-build, you buy at the launch price, which typically sits 10–20% below the expected market value at handover. You benefit from the latest construction standards, energy-efficient systems (smart-home technology, LED lighting, top-tier energy ratings), modern architecture and warranties covering structural defects.
Buying early also gives you the pick of the best floors, orientations and layouts. A corner unit on a high floor with sea views commands significantly more at handover than a standard unit on a lower level. Entering early maximises your return potential.
Payment plans: how do they work?
Developers in Dubai offer structured payment plans that spread the purchase across the construction period. A common structure is: 10% on reservation, 10% after 3 months, followed by 5% instalments linked to construction milestones, and 40% at handover.
Some developers go further with post-handover payment plans: you pay only 50–60% before handover and the remainder in monthly instalments over 2–5 years after handover. This means you can already let the apartment while still paying it off: the rental income funds part of the remaining instalments.
Emaar regularly offers 60/40 plans, DAMAC is known for aggressive 1%-per-month structures, and Sobha offers consistent 80/20 plans with generous post-handover periods.
Leading projects and developers
Emaar Properties is the largest and most established developer, responsible for iconic projects such as Downtown Dubai, Dubai Marina and Dubai Hills Estate. Its latest projects include The Valley, Rashid Yachts & Marina and further phases of Dubai Creek Harbour.
Sobha Realty stands out for premium finishes and longer warranty periods. Sobha Hartland and Sobha Hartland II in MBR City are popular with buyers who value quality. DAMAC Properties regularly offers sharply priced projects with attractive payment plans, including DAMAC Lagoons and DAMAC Hills.
Select Group develops premium projects in Dubai Marina, including the iconic Marina Gate towers. Azizi Developments focuses on the accessible mid-market with large volumes in Dubai Healthcare City and Al Furjan.
Protection for off-plan buyers
Dubai has one of the strictest regulatory frameworks in the world for off-plan property. Developers must register every project with RERA and open an escrow account at a government-approved bank. All buyer payments are deposited into this escrow account and may be used solely for the construction of the project concerned.
Developers must also prove that they own the land (or hold a long-term leasehold) and that the project is fully funded before sales may begin. RERA monitors construction progress and can revoke a developer's licence in the event of violations.
What should you look out for with new-build?
Always check the RERA project number and verify it on the DLD website. Investigate the developer's track record: have previous projects been delivered on time? What is the finishing quality of buildings already completed?
Pay attention to the estimated service charges: these are quoted at launch but can turn out higher after handover. Compare the price per square foot with comparable completed projects in the same area to judge whether the launch price is realistic.
Augusta Properties verifies all of the above before presenting any project to you. We advise exclusively on projects from developers we have personally vetted.
Personal guidance from Augusta experts
Every situation is different. Our advisors would be pleased to discuss your requirements, entirely without obligation.
Frequently asked questions
How does a payment plan work for new-build in Dubai?+
Typically you pay 10–20% on reservation, followed by instalments linked to construction milestones (foundations, structure, finishing), with the balance due at handover. Some developers offer post-handover payment plans that let you spread payments interest-free for up to 5 years after handover.
When is a new-build apartment handed over?+
Construction times range from 18 to 42 months, depending on the scale of the project. Emaar generally delivers on or close to the scheduled date. Smaller developers can run 6–12 months late. We brief you on the historical delivery accuracy of every developer.
Can I resell a new-build apartment before handover?+
Yes, through an assignment or novation. Most developers allow this once 30–40% of the purchase amount has been paid. A transfer fee of 2–4% is usually payable to the developer. The profit on resale can be substantial if market values have risen.
What if the developer fails to deliver?+
Your payments are protected by the escrow arrangement. If the project is cancelled, you are entitled to a refund from the escrow fund. RERA acts as regulator and can appoint an alternative developer to complete the project.
Are the show interiors representative?+
The show apartment and renders give an indication, but the exact materials may differ. Check the specification list in the Sale and Purchase Agreement (SPA): it states the exact brands and materials. Established developers such as Emaar and Sobha generally deliver at or above the specified standard.