Off-plan vs ready
Payment plan or resale? Compare them on equal terms.
Off-plan looks cheaper on day one. Ready homes earn rent (or save you rent) from day one. Truval puts both on the same footing — and shows how much a construction delay would cost.
Payment plan
At handover (3.0 yrs)
Off-plan leaves you about AED 49,876 better off
Off-plan is 9.5% below the ready price. Both start with the same 1.12M in cash. A delay of about 15 months would erase off-plan's advantage.
Off-plan
Cash paid by handover
703K
Paper gain
280K
Wealth at handover
1.54M
Rent before handover
None
Ready (cash)
Cash paid upfront
1.12M
Gain incl. rent
367K
Wealth at handover
1.49M
Rent earned / saved
217K
Cumulative cash out
On equal starting cash, off-plan ends about AED 50K ahead. Lower lines mean less cash paid out so far.
Off-plan Ready
Before you pay a booking deposit
- • Confirm the project is registered with RERA and payments go to its official escrow account — never a personal account.
- • Check the developer's delivery record on past projects and current construction progress.
- • Read the SPA's delay clauses: what compensation, if any, applies if handover slips.
- • Make sure the unit is registered in your name through Oqood after booking.
Simplified model: both buyers start with the same cash; unspent off-plan cash earns the return you set, and the ready unit earns (or saves) rent net of ~20% costs. It assumes the new unit will be worth the same as a comparable ready unit at handover and constant growth, and ignores mortgage costs, resale restrictions before handover, and building-age differences. Growth and rent assumptions are illustrative by community.