Address The Bay at Emaar Beachfront follows a 10/70/20 payment plan. Buyers pay 10% at booking, 70% during construction and the final 20% at handover. The structure spreads the purchase cost across three stages instead of requiring the full amount before completion.
The project was launched by Emaar Properties in Dubai Harbour's Emaar Beachfront. Published project data lists a starting price of around AED 3.3 million, while prices and availability can change by unit and sales release. Top ultra properties currently lists the project with a 10/70/20 payment plan and a Q4 2026 delivery target.
Understanding the percentage split is important because the largest share of the purchase price is paid before handover. The 10% booking amount is only the first part of the financial commitment.
What Does the 10/70/20 Payment Plan Mean?
The payment structure has three stages:
10% on booking
70% during construction
20% on handover
The three portions add up to 100% of the purchase price.
The first payment starts the purchase process. The 70% construction portion is paid through scheduled instalments. The final 20% becomes due when the project reaches the agreed completion and handover stage.
The exact dates and instalment amounts should always be checked against the sale agreement for the selected unit. Published payment plans provide a useful guide, but the contract controls the buyer's actual obligations.
How Much Is the 10% Down Payment?
Using AED 3.3 million as the reference price, a 10% down payment works out to:
AED 3,300,000 × 10% = AED 330,000
So, a buyer using AED 3.3 million as the purchase price would need AED 330,000 for the initial 10% payment.
This is the amount required at the first stage under the advertised structure. It does not represent the total cash needed to complete the purchase.
The remaining AED 2.97 million is split between the construction and handover stages.
How Much Is the 70% Construction Payment?
The construction stage accounts for 70% of the purchase price.
At AED 3.3 million:
AED 3,300,000 × 70% = AED 2,310,000
This makes the construction stage the largest part of the payment plan.
The AED 2.31 million is paid through scheduled instalments during construction rather than as one single payment. The exact dates can depend on the agreed payment schedule for the unit.
For buyers, this stage requires careful cash-flow planning. A lower booking amount does not reduce the total purchase price. It only changes when the money is due.
How Much Is Due at Handover?
The final stage is 20% on handover.
For a property priced at AED 3.3 million:
AED 3,300,000 × 20% = AED 660,000
The buyer would therefore need AED 660,000 for the final payment if the purchase price is AED 3.3 million.
This amount is much larger than the initial AED 330,000 booking payment. Buyers should therefore plan for the handover balance well before the expected completion date.
Published project information currently lists Q4 2026 as the expected delivery period. Handover dates can change, so buyers should rely on the latest contractual information rather than an old marketing date.
Complete Payment Example at AED 3.3 Million
A simple calculation shows how the full structure works.
The 10% booking payment would be AED 330,000.
The 70% construction payment would total AED 2,310,000.
The 20% handover payment would be AED 660,000.
Together, these payments equal:
AED 330,000 + AED 2,310,000 + AED 660,000 = AED 3,300,000
This example uses the published reference price of AED 3.3 million. The actual amount will depend on the price of the selected unit.
Are There Other Costs Besides the Payment Plan?
Yes. The 10/70/20 split covers the agreed property purchase price. Buyers may also need to budget for government and transaction-related costs.
Sources lists a 4% government fee for the project. This should be considered separately from the 10%, 70% and 20% payment structure. Other administrative or transaction charges may also apply depending on the purchase.
For example, a 4% fee on AED 3.3 million would equal AED 132,000. Buyers should confirm the applicable charges and payment timing before completing the transaction.
Final Analysis
Address The Bay at Emaar Beachfront 10/70/20 payment plan divides the purchase price into three stages. At a reference price of AED 3.3 million, the calculation is AED 330,000 at booking, AED 2.31 million during construction and AED 660,000 at handover.
The 10% entry payment provides a clear starting point, but the 70% construction share is the largest financial commitment. The final 20% also requires advance planning.
For buyers considering Address The Bay, the most useful step is to calculate the three payments using the exact price of the selected unit. This gives a clearer picture of the required funds before booking, during construction and at handover.