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Mulki

Off-plan property in Dubai, kept on schedule.

From SPA signing to handover: the dates, the payments, and what the unit is worth today.

The shape of it

Three years of waiting and dozens of milestones, held in one place until handover.

What changes

  • Payment milestones, never missed.

    Every instalment from your SPA, mapped against the construction-linked schedule.

  • What it's worth, before it's handed over.

    Live secondary-market pricing for your tower as construction progresses.

  • Handover, kept in view.

    Construction percentage, anticipated handover quarter, snagging window.

  • All your SPAs, in one folder.

    Across multiple developers, multiple towers. One private record you can open in front of a financial adviser or pass to a buyer.

The promise

The developer reports construction progress. What the unit is worth on the secondary market today is the figure Mulki adds.

Off-plan, between purchase and handover

Off-plan is the one form of ownership where you are paying for something you cannot yet see. The developer reports a construction percentage and a payment schedule. Neither of those is a value, and the gap between the two is where off-plan owners get surprised.

The secondary market prices your unit long before handover. Comparable resales in the same tower register with the Dubai Land Department and are a better guide to what you hold than the price on your SPA. How Dubai property is valued explains which of those comparables actually counts.

Plan the handover costs now rather than at the door. The DLD transfer fee, the Oqood registration and the first service charge all fall due close together; the cost of buying in Dubai lists them, and the mortgage calculator covers the balance if you are financing the final tranche.

After handover the unit becomes an income question. Work the likely net with the rental yield calculator, allow for the building’s service charge, and register the first tenancy through Ejari. If you buy again before completion, the portfolio view totals both.

Questions

How do I track off-plan payment milestones in Dubai?
Your SPA sets a construction-linked payment plan, and the developer issues each request as a stage is reached. Mulki maps every instalment from the SPA against that schedule, reminds you before each one, and logs the receipt after, so a missed payment never threatens the contract.
How do I know what my off-plan unit is worth before handover?
Before completion an off-plan unit has no resale history of its own, so its value comes from the developer's current price list for remaining units and the resale prices of completed units nearby. Mulki tracks that secondary-market level as construction progresses, so you know what your contract is trading at, not just what you paid.
Can I sell an off-plan unit before it completes?
Yes, by assigning the contract to a new buyer, but most developers only allow it once you have paid a minimum share of the price, commonly 30 to 40%, and they charge an NOC fee. Our cost of selling guide covers the assignment process and what it costs.
Does an off-plan purchase count toward the Golden Visa?
Yes, once it is registered with the Land Department and the value reaches AED 2 million, so a registered off-plan purchase can put you over the line before the building is finished. Our Golden Visa guide explains exactly what qualifies.

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