Projects with Post-handover Payment Plans
Best Post-Handover Payment Plans in Ras Al Khaimah (2026)
Compare 10 post-handover payment plans in Ras Al Khaimah. Nasim Al Bahr offers 50% over 3 years after handover. Explore prices, payment stages and project locations below.
Azure by Lapis payment plans: Default 75/25, including 25% post-handover. Alternative 30/70, with 70% due at handover. October 30/70 promotional prices differ from 75/25 quoted prices. View Azure payment details.
Compare Post-Handover Properties
50% over 3 years post-handover
Nasim Al Bahr · The Luxury Collection
Abu Dhabi National Hotels · Marriott
A five-star Marriott Luxury Collection beachfront residence with half of the purchase price spread over 3 years after handover.
Playa Viva update (19 October 2026): Handover payment is scheduled for 1 July 2027 (Q3 2027). All apartment types use the same three payment structures, with different prices: cash 20/80, three-year post-handover or five-year post-handover. RAKcompare defaults to five years: 20% booking, 1.34% at handover and 78.66% over monthly instalments until June 2032. Verified example studio PV-A2-708: AED 1,217,383 under the five-year plan. Other five-year unit prices are not yet verified.
Longest runway · 5 years
Playa Viva
Uniestate Developers
The most heavily deferred structure in this comparison, paired with furnished delivery, an earlier completion target and in-house rental support.
50% over 3 years
Gianfranco Ferré Residences
Mira Developers
Gianfranco Ferré Residences in Ras Al Khaimah is a furnished, fashion-branded option with half of the purchase price spread beyond completion and a broad mix extending to duplex residences.
Largest luxury deferral
Waldorf Astoria Residences
Al Hamra
The highest-entry branded residence in the shortlist, balancing a substantial price with half the balance deferred for 3 years.
Waterfront value
Miraggio Residences
Source of Fate Properties
Plan: 5 / 15 / 40 / 40. A non-hotel residential option with 40% paid over 2 years after handover, available 1 to 3 bedroom options, with studios sold out and an Island 4 setting.
Established community
Falcon Island
Al Hamra
The Falcon Island payment plan leaves 40% across 3 years after the current Q3 2026 completion target, within an established Al Hamra Village community.
5-year apartment plan
Trio Isle
Durar Group
Trio Isle Al Marjan Island by Durar Group pairs Missoni interiors with 40% deferred across 5 years and a mix focused on 1 to 3 bedroom residences.
Lowest central entry
Azure by Lapis
Lapis Properties
The Azure by Lapis payment plan offers a lower-entry RAK Central alternative, with 25% payable over 2 years after handover and a current Q4 2028 completion target.
Direct beach access
Ice Beach
Major Developers
A later-completing beachfront project with 20% paid after handover in monthly installments across approximately 20 months.
50% over 3 years post-handover
The Views by ARDEE
ARDEE Developments
Half the purchase price is deferred for three years after handover. The CMS cash flow specifies 20% within 45 days, 10% after 12 months, 10% after 24 months, 10% on handover and 50% in 12 quarterly instalments after handover.
Share of Price Deferred Beyond Handover
The bar measures percentage, not affordability. A 40% balance on a villa can be much larger than 78.66% on an apartment.
Full Post-Handover Comparison
Use the table to shortlist. Use the individual project offer sheet and SPA to make the final decision.
| Project | Location | Payment stages | After handover | Repayment period | Handover | Starting price |
|---|---|---|---|---|---|---|
| Nasim Al Bahr | Al Marjan Island 4 | 20/30/50 (50% over 3 years post-handover) | 50% | 2029; 2030; 2031 | Q1 2028 | AED 3,500,000 |
| Playa Viva | Al Marjan Island 2 | 20 / 1.34 / 78.66 (5 years) | 78.66% | 2027; 2028; 2029; 2030; 2031; 2032 | Q3 2027 | AED 1218000 |
| Gianfranco Ferré Residences | Al Marjan Island 4 | 10 / 40 / 50 | 50% | 2028-06-15; 2028-09-15; 2028-12-15; 2029-03-15; 2029-06-15; 2029-09-15; 2029-12-15; 2030-03-15; 2030-06-15; 2030-09-15; 2030-12-15; 2031-03-15 | Q1 2028 | AED 1613000 |
| Waldorf Astoria Residences | Al Hamra Village | 20 / 20 / 10 / 50 (50% over 3 years post-handover) | 50% | 2028; 2029; 2030 | Q1 2028 | AED 8400000 |
| Miraggio Residences | Al Marjan Island 4 | 5 / 15 / 40 / 40 | 40% | Over 2 years post-handover | Q4 2028 | AED 2000000 |
| Falcon Island | Al Hamra Village - Falcon Island | 25/20/15/40 | 40% | 6 months from handover; 12 months from handover; 18 months from handover; 24 months from handover; 30 months from handover; 36 months from handover | FIS 11A: Date not confirmed (original South Island target Q2 2026) | AED 30000000 |
| Trio Isle | Al Marjan Island 2 | 60 / 8 / 32 - 36 months post-completion (unit TI-B-215 example) | 32% | 2029-12-30; 2030-03-30; 2030-06-30; 2030-09-30; 2030-12-30; 2031-03-30; 2031-06-30; 2031-09-30; 2031-12-30; 2032-03-30; 2032-06-30; 2032-09-30 | Q3 2029 | AED 1848000 |
| Azure by Lapis | RAK Central | 75 / 25 | 25% | After handover; Final installment | Q4 2028 | AED 1200000 |
| Ice Beach | Marjan Beach | 5 / 65 / 10 / 20 | 20% | 2030; 2031; 2032 | Q1 2030 | AED 1569000 |
| The Views by ARDEE | Al Marjan Island 4 | 50 / 50 (3-year post-handover) | 50% | Q1 2030 – Q4 2032 | Q4 2029 | AED 890,000 |
3 Checks the Headline Split Does Not Show
The payment percentage is only one layer of the purchase. The contract and the selected unit determine the actual obligation.
Map every date
List the booking, SPA, construction, completion and post-handover installments by month, not only as percentages.
Stress-test the balance
Confirm the plan still works without rental income, rapid resale or a higher valuation at completion.
Read the default terms
Review grace periods, late-payment penalties, cancellation clauses, resale thresholds and developer approvals.
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Keep researching with guides linked to this topic.
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Read articleCan villas in Ras Al Khaimah have post-handover payment plans?
Some projects offer payments after handover, but each unit and development can have different milestones. Compare the percentage due before handover, the amount due afterward, and the actual payment schedule.
Post-Handover Payment Plan FAQs
What does post-handover mean in a property payment plan?
A post-handover payment plan lets a buyer pay part of the purchase price after receiving the property, rather than settling the full amount before or at completion. The remaining balance is spread over a defined schedule in the SPA.
Which project has the largest and longest post-handover plan?
Playa Viva has the largest deferred share in this comparison at 78.66% and the longest stated period at 5 years after handover. The exact installment schedule and qualifying inventory should be reconfirmed before reservation.
Which project has the lowest current starting price?
The Views by ARDEE has the lowest listed starting price in this comparison at AED 888,000, according to the current project CMS. Playa Viva follows at approximately AED 1.1 million. Pricing depends on available units, release, size, floor and view.
What is the Miraggio two-year post-handover payment plan?
Miraggio on Al Marjan Island has a 5% booking payment, 5% upon SPA signing, 5% within 3 months, 5% within 6 months, 40% at handover and 40% over the following 2 years. Studios are sold out; listed 1-bedroom prices start at AED 2,000,000. The developer schedule does not specify exact dates for post-handover instalments.
Are post-handover plans available near Wynn Al Marjan Island?
Yes. Buyers comparing apartments with payment plans for sale on Al Marjan Island can review Nasim Al Bahr, Miraggio, Trio Isle, Playa Viva, Manta Bay and Gianfranco Ferré Residences. Nasim Al Bahr offers 50% over 3 years after handover. These projects sit within the wider Wynn growth corridor, but exact distance, road access and views depend on the building and selected unit.
What is the difference between construction-linked and post-handover payments?
Construction-linked payments are due as the project progresses before completion. Post-handover payments continue after the buyer receives the unit. Many plans combine booking, construction, handover and post-handover milestones.
Can international buyers use these payment plans?
International buyers can generally purchase in designated freehold areas of Ras Al Khaimah, subject to the developer’s requirements, registration rules, sanctions screening and the terms of the individual transaction.
What happens if a post-handover installment is missed?
Late payments may lead to fees, notices, restrictions or other developer remedies under the SPA. Buyers should review the grace period, penalty schedule and default clauses before signing.
Which villas have post-handover payment plans in Ras Al Khaimah?
Falcon Island in Al Hamra Village is the villa project currently listed among these 11 comparison cards. Its indicative plan shows 40% payable over 3 years after handover. Confirm the qualifying villa allocation and current plan for the selected unit.
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