A "60/40" payment plan means 60% of the purchase price is paid during construction, with the remaining 40% due on or after handover. It is one of several common structures in the Dubai off-plan market, alongside 80/20 and post-handover plans extending payments beyond completion.
Why the Structure Matters
The split affects both cash flow planning and risk exposure. A higher pre-handover commitment ties more capital to construction progress; a larger post-handover balance shifts more of that exposure to the buyer's ongoing liquidity.
Neither structure is inherently superior — the right one depends on the buyer's own financial position and time horizon. This is precisely the kind of judgment Quadrant works through with clients before any commitment is made.