Buying off plan usually means planning for payments across the construction period. Abu Dhabi now has a framework that can let eligible buyers arrange mortgage finance before handover, once 50% of the purchase price has been paid.
On 4 September 2026, the Emirates News Agency reported that Aldar and ADCB completed Abu Dhabi’s first off plan mortgage registration under the Abu Dhabi Real Estate Centre framework. The framework allows the financing bank to be named on the mortgage registration certificate before handover. WAM reported the first completed registration.
For a buyer who has paid 50% of the purchase price, the mortgage can cover remaining instalments and the final payment at handover. The 50% threshold follows UAE Central Bank requirements for this type of off plan finance. The mortgage interest can be recorded in the Initial Real Estate Register during construction.
The key change is timing. Eligible buyers can start their finance discussion before the home is complete. That gives them a clearer view of the funds needed for the next construction stages and the final handover payment.
It also creates a more structured conversation between the buyer, developer and lender. The home, project and finance route can be reviewed together while construction is under way. For buyers comparing several off plan options, this can make the payment schedule easier to map against their own cash position.
Original I Buy Real Estate editorial checklist based on the framework reported by WAM and The National.
Start with the project. Ask whether the specific unit and developer route can be financed under the framework. Then ask the lender about the documents, assessment process, finance amount and timing for the next payment. Confirm how the mortgage registration will be handled and what happens at handover.
The framework is available to participating institutions that meet the relevant requirements. The National reported that access depends on the 50% payment threshold and participation by the developer and financial institution. Its report sets out the early construction stage finance route.
Keep a clear record of the Sale and Purchase Agreement, payment receipts, project details and identity documents. Bring the latest developer payment schedule to your lender discussion. If you are choosing between projects, compare the payment dates as closely as you compare the location, layout and community plan.
Every application has its own lender, project and buyer assessment. A short early conversation can help you understand the route available for the property you are considering.
Looking at off plan homes in Abu Dhabi? We can help you compare projects, payment schedules and the questions to take to your lender.
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