Sharjah’s property market is booming. The emirate recorded AED 27 billion in real estate transactions in the first half of 2025, a 48.1% jump versus the same period last year. The average asking price for an apartment listed in Sharjah over the past six months is about AED 1,178,176. That price point makes a full cash purchase impractical for many buyers.
Considering buying an apartment in Sharjah, but don’t want to pay the full price upfront? This guide will help you with easy payment plans.
Easy Payment Plans for Apartments in Sharjah
You can consider these easy payment plans to buy apartments in Sharjah:
Standard Off-plan Payment Plan
In this option, the developer divides the price into staged payments tied to construction milestones. For example, 10% on booking, then progressive percentage payments during construction, and the final balance at handover. Common splits are 60/40 or 50/50 between the construction phase and handover. These reduce the immediate cash burden and let you pay gradually before getting the keys.
Post-handover Payment Plan
Here, you pay a deposit and then the remaining balance over a specified period after handover (commonly ranging from 3 to 5 years). These plans are to help buyers move in and pay off the property slowly. Rent is usually high in this arrangement because you’re also paying a part of the purchase value. You can find multiple post-handover offers on listings in Sharjah right now.
Rent-to-own/lease-to-buy
For this option, you rent the apartment with a portion of the rent going toward the future purchase price. Useful if you want to lock a price and move in immediately while saving for a mortgage or down payment later. Availability varies by developer and project.
Bank Mortgage with Staged Developer Payments
In this plan, a bank issues a mortgage that funds the purchase, but developer payment milestones still apply. Central bank (CBUAE) loan-to-value (LTV) caps set how much a bank can lend.
For typical buyers, the allowable LTV is up to about 70–85% depending on property value and whether you’re a first-time home buyer. You’ll need the bank’s approval, and initial down payment rules apply. Always compare the bank’s effective annual rate, fees, and early-payment penalties.
Cash You Need Upfront
Minimum down payment requirements in the UAE are fairly standard. For most expats buying residential property up to AED 5 million, expect to set aside at least 20–30% as a down payment. UAE nationals have lower minimums in some cases. On top of that, budget for closing costs. Registration/transfer fees, agency fees, mortgage arrangement fees, and contingency fees are usually another 6–7% of the property value.
In Sharjah specifically, a title transfer/registration fee is commonly AED500. Moreover, you need to pay 2% of the contract value for a title deed transfer as a buyer. Always confirm with the developer or the Sharjah Real Estate Registration Department for exact current charges.
Summing Up
Sharjah is offering more flexible, buyer-friendly payment options in 2025 — from traditional staged off-plan instalments to post-handover plans that let you delay larger payments. Compare total costs (not just monthly instalments), and verify developer and legal safeguards before you commit. And you’ll be able to buy your dream home!