What to Check Before Paying the Final Installment of Your Off-Plan Home

Saturday, 6 December 2025

Buying an off-plan home in the UAE is an exciting milestone. As the handover approaches, the final installment is typically the last major payment before you officially receive the keys to your new property. Before making this payment, it’s essential to complete a few important checks to ensure everything meets your expectations and the agreed contract terms.

By following these steps, buyers can protect their investment, avoid unexpected issues, and enjoy a smooth handover experience.

Table of Contents

• Complete the Final Inspection (Snagging)
• Confirm Developer and Project Compliance
• Review Project Status and Completion
• Understand the Final Payment Structure
• Prepare for Handover
• Frequently asked questions

1. Complete the Final Inspection (Snagging)

A final inspection—often called “snagging”—is one of the most important steps before paying the last installment. This is your opportunity to review the unit in detail and ensure it matches the specifications outlined in your contract.

What to do during the inspection:

• Check for defects or unfinished work: Look for cracks, broken tiles, damaged fittings, or incomplete installations.
• Test all fixtures: Verify that lights, taps, appliances, and air conditioning systems work properly.
• Compare with agreed specifications: Ensure that flooring, layout, appliances, and finishing quality match what was promised.

If any issues are found, notify the developer and request repairs or adjustments before releasing your final payment. A thorough snagging process protects the quality of your home for years to come.

2. Confirm Developer and Project Compliance

Before making the final payment, it’s essential to verify that everything is compliant with UAE regulations.

What to check:

• Developer registration: Ensure the developer is registered with the Dubai Land Department (DLD).
• Project approvals: Verify that the project has obtained the necessary regulatory clearances.
• Contract review: Revisit your contract to ensure the completion date, specifications, and amenities align with the final condition of the home.

This step ensures you are working with a legally approved project and that your investment is fully protected.

3. Review Project Status and Completion

The final installment is typically due only when the property is near or at completion. Before paying, take time to confirm that construction is truly finished.

Key points to review:

• Actual completion percentage: The property should be ready for handover or very close to it.
• Expected completion date: Make sure the current timeline matches the date stated in your contract.
• Awareness of potential delays: Understand that some projects may face delays due to external factors.

A completed or nearly completed project ensures your payment aligns with the actual progress of construction.

4. Understand the Final Payment Structure

It’s important to have full clarity on your financial commitments before making the last payment.

Verify the following:

• Final installment amount: Ensure it matches what is stated in your payment plan.
• Payment schedule: Review the timeline and method for submitting the final payment.
• Outstanding charges (if any): Check if there are additional service fees or administrative requirements associated with handover.

This transparency prevents any financial surprises during the final stage of your purchase.

5. Prepare for Handover

Once the home has passed your inspection and all requirements are met, you can confidently make the final installment and prepare for handover.

Final preparations include:

• Collecting your access cards and keys
• Receiving utility registration documents
• Obtaining your final completion certificate
• Confirming move-in guidelines

A smooth handover marks the beginning of your new life in your off-plan home.

Paying the final installment of an off-plan home is a major step in completing your property journey. By conducting a thorough inspection, verifying compliance, reviewing project progress, and understanding your payment obligations, you ensure a secure and stress-free handover. These steps not only protect your investment but also give you confidence that your new home is delivered exactly as promised.

A well-informed approach leads to a positive experience and a smoother transition into your new property.