Propertyshoma: Your Partner In Making Dubai Property Ownership Affordable Through Installment Plans

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Welcome to Propertyshoma, your trusted partner in making property ownership in Dubai a reality. With our convenient property installment plans, we provide a solution to the daunting upfront costs associated with buying a property.

In this guide, we will walk you through the step-by-step process of purchasing property on installment in Dubai with the dedicated assistance of our expert team. Whether you're looking for a residential or commercial property, Propertyshoma is committed to offering a seamless and hassle-free experience tailored to your needs.

Buying Property on Installment with Propertyshoma

1. Finding the Perfect Property: Begin your journey by exploring Propertyshoma's extensive listings to find the property that suits your needs and preferences. Their user-friendly website and knowledgeable agents will assist you in identifying the right property for your investment goals.

2. Selecting the Ideal Payment Plan: Propertyshoma understands that everyone's financial situation is unique. That's why they offer a wide range of flexible payment plans to accommodate your specific needs. Their experienced team will work closely with you to select a payment plan that aligns with your budget and financial capabilities, ensuring a smooth and stress-free buying experience.

3. Finalizing the Agreement: Once you have found the ideal property and selected a payment plan, Propertyshoma will guide you through the negotiation and agreement process. Their expert agents will ensure that all terms and conditions are clearly defined in the contract, giving you peace of mind.

To proceed with the property transfer, you will need to complete the necessary steps for obtaining a No Objection Certificate (NOC). Once you have successfully obtained the NOC, you will officially become the owner of the property and can begin making the agreed-upon installment payments.

Benefits of Buying Property on Installment:

Buying property on installment offers numerous advantages, and Propertyshoma is dedicated to making this option accessible to all. By opting for installment payments, you can overcome the financial burden of a lump-sum payment and embark on your property ownership journey. Propertyshoma's installment plans allow for better budget management, ensuring that you can comfortably make monthly payments towards your property. Additionally, buying property on installment safeguards your savings and minimizes risk, making it a smart investment choice.

Common Payment Plans:

Propertyshoma provides a variety of payment plans tailored to meet the diverse needs of buyers. Some popular options include:

  • Post-handover payment plan: Pay a percentage of the property price upon ownership and the remaining amount in installments.
  • 10/90 payments contract: Pay 10% of the property price upfront and the remaining 90% in installments.
  • Rent-to-own plan: Sign a tenancy contract for a predetermined period, with the option to become the property owner through rent payments.
  • Installment payments until handover: Pay a set ratio of the property price in installments until the handover, with the remaining balance due thereafter.

Eligibility for Mortgages in Dubai

Mortgages are a key aspect of property investments in Dubai, catering to UAE nationals, expatriate residents, and foreign investors. Commercial property mortgages are also popular among businesses. Before starting your property search, obtaining pre-approval from a lender is crucial.

To be eligible, applicants must have a stable income, a good credit rating, and meet minimum income requirements (AED 7,000 for UAE nationals, AED 10,000 for expatriates). Debt burden regulations apply, and temporary resident foreign investors have limited options. Propertyshoma's expert team will assist you in navigating mortgage eligibility and finding the right solution for your needs.

Buying Off-Plan Property with a Mortgage:

If you're interested in buying an off-plan property, Propertyshoma can assist you in securing a mortgage. With their extensive network of reputable developers and financial institutions, they will guide you in finding the perfect off-plan property and help you obtain a mortgage that aligns with your financial capacity. Propertyshoma's agents will ensure a thorough evaluation of the property's value and assist you in making an informed decision.

Steps to Buying Off-Plan Property:

Propertyshoma simplifies the process of buying an off-plan property with their expert guidance. Here are the steps involved:

1. Consultation with Propertyshoma: Schedule a consultation with Propertyshoma's knowledgeable agents to discuss your requirements, budget, and preferences. They will provide personalized guidance and recommend suitable off-plan properties based on your criteria.

2. Project Visualization: Propertyshoma understands the importance of visualizing your future property. They will provide you with detailed information, models, and demonstrations of the off-plan project, giving you a clear understanding of its design, amenities, and potential value.

3. Initial Payments: To secure your chosen off-plan property, you will need to pay a booking fee, indicating your commitment to the purchase. Additionally, the down payment, including government registration fees, will be required at this stage. Propertyshoma will assist you in completing these initial payments efficiently.

4. Sales and Purchase Agreement: Once you have made the necessary payments, Propertyshoma will guide you through the process of signing the Sales and Purchase Agreement. This legally binding document outlines the terms and conditions of the purchase. Simultaneously, Propertyshoma will help you complete the Oqood registration with the Dubai Land Department, ensuring the validity and legality of your contract.

5. Installment Payment Plan: Together with the seller, you will determine the installment payment schedule for the remaining balance of the property. Propertyshoma's agents will ensure that the payment plan is structured to suit your financial capabilities and provide regular updates and reminders throughout the payment period.

6. Project Completion and Inspection: The Sales and Purchase Agreement will include a clause specifying the project completion date. Propertyshoma will monitor the progress and ensure that the seller fulfills their responsibility to complete the project on time. Prior to the handover, Propertyshoma can also arrange professional inspections to ensure that the property meets all the agreed-upon conditions and specifications.


Experience a seamless and rewarding property ownership journey in Dubai with Propertyshoma. As your trusted partner, their expert agents, a wide range of listings, and flexible payment plans ensure a smooth process whether you're buying on installment or through a mortgage. With a commitment to client satisfaction, Propertyshoma is the go-to destination for finding Dubai properties and using property finder services. Explore their listings, find properties on sale in Dubai, and trust Propertyshoma to help you buy properties in Dubai. Start your journey today and contact Propertyshoma for an exceptional property-buying experience.