BNW Aqua Arc Payment plan

Plan Structure: 60/40 with 2-Year Post-Handover Option

Payment Plan Type: 60/40 Construction Linked Plan with Post-Handover Instalments

Aqua Arc offers one of the most investor-friendly payment structures on Al Marjan Island, combining a low 10% booking deposit with a unique post-handover payment option that allows buyers to begin living in or renting out the unit while completing the remaining payments. The 50% construction phase is paid in staged instalments aligned to construction milestones, keeping cash flow predictable throughout the build. At handover in Q2 2027, only 10% is required as a completion payment, significantly lower than the industry-standard 30% balloon. The remaining 30% is then paid over 24 months post-handover, meaning buyers can fund this from rental income generated by the property itself. This structure is particularly powerful for investors who wish to leverage the property's rental yield to offset remaining payment obligations without requiring full capital outlay at handover. Additionally, buyers can resell the unit after paying only 30% to the developer, enabling early exit with capital appreciation without completing full payment.

• On Booking: 10% down payment

• During Construction: 50% in staged instalments aligned to construction milestones

• On Handover: 10% at Q2 2027

• Post-Handover Year 1: 15% over 12 months after receiving keys

• Post-Handover Year 2: 15% over months 13 to 24 after receiving keys

UAE banks offer mortgage pre-approval for off-plan properties up to 24 months in advance. UAE residents can access up to 80% loan-to-value, while non-residents typically qualify for 50% LTV. All units above AED 2M qualify for the UAE 10-Year Golden Visa. The post-handover plan means no large balloon payment is required at completion, making this one of the most cash-flow-efficient investment structures available on Al Marjan Island.

• Government Fee: 4% DLD (Dubai Land Department) fee applicable on purchase price

• Golden Visa: All units above AED 2M qualify for the UAE 10-Year Golden Visa

• Ownership Type: Freehold, 100% foreign ownership permitted

• Resale: Units can be resold after paying 30% to the developer

• No income tax, no capital gains tax and no property tax in UAE