Choosing between an off-plan development and a completed home is one of the most important decisions when buying Dubai real estate. The off-plan vs ready debate is not simply about which category costs less or which is more popular. Each option creates a different combination of cash-flow requirements, investment risk, rental potential, financing, certainty and possible future returns.

Off-plan property has become a dominant part of Dubai’s sales market. Cavendish Maxwell reported that off-plan transactions represented 74.8% of residential sales during the first half of 2026, with approximately 59,300 off-plan transactions recorded.

That high market share does not mean off-plan property is automatically a better investment.

A ready apartment can provide immediate rental income, observable service charges and the ability to inspect exactly what you are purchasing. Off-plan property can provide staged payments and access to new developments, but the buyer must wait for completion and accept greater uncertainty around construction, future rents and market conditions at handover.

Dubai Land Department regulates both markets differently. Completed-property transactions proceed through the standard sale-registration system and result in an electronic title deed, while off-plan purchases are provisionally registered through Oqood and operate within Dubai’s development and escrow framework.

So which is better?

The answer depends on what you need the property to achieve.

Off-Plan vs Ready Property at a Glance

Factor	Off-Plan Property	Ready Property
Construction status	Under development	Completed
Physical inspection	Limited before completion	Usually possible
Payment timing	Often spread across construction	Purchase usually settled around transfer
Immediate rental income	No	Potentially yes
Construction risk	Present	Largely removed
Handover risk	Present	Minimal
Rental evidence	Future estimate	Current market evidence available
Service charges	May not yet be fully observable	Usually easier to verify
Financing	More restrictive	Generally broader
CBUAE maximum off-plan LTV	50%	Higher ceilings may apply depending on buyer/property category
Registration	Provisional/Oqood initially	Completed title transfer
Property condition certainty	Lower	Higher
Choice of new units	Often strong at launch	Depends on resale inventory
Resale before completion	Contract/developer conditions may apply	Normal completed-property resale framework
Best suited to	Longer-horizon buyers	Buyers seeking certainty or income

The categories solve different problems.

What Is Off-Plan Property in Dubai?

An off-plan property is purchased before the development has been completed.

The buyer may purchase during:

pre-construction
early construction
mid-construction
later construction before handover

Rather than inspecting the completed home, the purchaser relies on documentation such as:

floor plans
master plans
architectural designs
specifications
Sale and Purchase Agreement
developer information
construction progress

Dubai Land Department’s project-registration system requires developers selling off-plan to register the development and open an escrow account. DLD currently also requires a qualifying 30% project guarantee, which can be satisfied through construction completion, a bank guarantee or cash deposit under the applicable project-registration framework.

How off-plan ownership is registered

Off-plan sales are entered into Dubai’s provisional property register through the Oqood system.

DLD’s current Initial Sale Registration service requires the Sale and Purchase Agreement to be entered into the provisional register within 90 days of signing and issues the purchaser with a provisional registration e-certificate.

That is different from the electronic title deed issued after a completed-property transfer.

What Is Ready Property in Dubai?

Ready property is real estate that has already been completed and can normally be physically inspected before purchase.

It can include:

resale apartments
completed developer inventory
villas
townhouses
penthouses
completed investment units

A ready property may be vacant, owner-occupied or already rented.

The major advantage is information.

The buyer can usually evaluate the actual:

property
building
view
layout
surrounding development
condition
facilities
parking
noise
property management

DLD’s completed Property Sale Registration service processes the ownership transfer through authorised Real Estate Registration Trustees and issues an electronic title deed after registration.

Why Off-Plan Property Is So Popular in Dubai

The scale of off-plan purchasing is substantial.

Cavendish Maxwell’s H1 2026 residential report placed off-plan sales at approximately 59,300 transactions, representing 74.8% of Dubai residential transactions during the period.

Several factors help explain why buyers choose off-plan.

Staged payment plans

Instead of paying almost the entire property price at transfer, off-plan buyers commonly make payments across the construction period according to the project’s contract.

That can reduce the amount of cash required immediately.

But payment flexibility and property value are different questions.

A AED2 million property does not become cheaper merely because the payments are spread across several years.

Access to new developments

Off-plan purchasing can provide earlier access to:

newly launched towers
master communities
waterfront projects
branded residences
new villa communities

Early buyers may also have a wider selection of units.

Choice of units

At launch, purchasers may be able to choose between multiple:

floors
views
layouts
orientations
unit sizes

That flexibility can disappear once the best-positioned units are sold.

Potential future appreciation

Some investors buy before completion hoping that the property will be worth more at handover.

That can happen.

It can also fail to happen.

Future appreciation should therefore be treated as a potential outcome rather than guaranteed profit.

Why Buyers Choose Ready Property

Completed property serves a different type of buyer.

Immediate rental income

A ready investment property can potentially begin generating rental income shortly after purchase, subject to preparation, tenant demand and applicable leasing requirements.

An off-plan property cannot generate normal rental income while it is still being constructed.

For investors focused primarily on cash flow, this difference can be decisive.

You can inspect what you are buying

With ready property, the buyer does not need to imagine what the view or building might look like.

You can inspect the actual unit.

This makes it easier to evaluate:

finishing quality
natural light
layout
maintenance
building condition
surrounding construction
actual views

Existing rental evidence

Investors can research existing rents in the same building or community rather than relying entirely on projected future income.

This gives ready property an advantage when calculating potential rental yield.

Known ownership costs

Service charges and maintenance history are usually easier to investigate in a completed building.

With off-plan property, future recurring costs may be less certain before completion.

Off-Plan vs Ready Property: Purchase Price

One common assumption is that off-plan property is always cheaper.

That is not necessarily true.

Off-plan pricing

A developer may price new property based on:

payment flexibility
new construction
branding
amenities
expected future infrastructure
launch demand
location
view

Some developments may offer attractive launch pricing, while others can carry a substantial premium over nearby completed property.

Ready-property pricing

A completed property’s price can be compared with actual resale transactions and rental evidence.

Ready property can sometimes offer better value where:

the seller is motivated
the building is established
the unit needs cosmetic renovation
new launches carry high premiums

The correct comparison is therefore not:

Off-plan price vs ready price

It is:

The exact off-plan unit vs genuinely comparable completed properties.

Payment Plans: Off-Plan Has the Advantage

Payment flexibility is one of off-plan property’s clearest advantages.

Depending on the development, instalments may be divided between:

reservation
SPA stage
construction milestones
calendar dates
handover
post-handover instalments, where offered

This can allow a buyer to spread capital requirements.

The risk of payment-plan thinking

Investors sometimes choose a property because the instalments look affordable rather than because the underlying asset represents good value.

Always calculate:

Total property price + registration + other costs

before judging affordability.

A longer payment plan attached to an overpriced property can be less attractive than a ready property purchased at a stronger price.

Which Is Better for Immediate Rental Income?

Ready property wins clearly.

An off-plan investor must generally wait until the property is completed and available for occupation before normal rental income can begin.

A ready apartment can potentially start generating income much sooner.

Example

Suppose:

Ready apartment purchase price: AED1.2 million
Annual rent: AED90,000

Gross yield:

AED90,000 ÷ AED1,200,000 × 100 = 7.5%

An off-plan property costing the same AED1.2 million generates no comparable rental income while construction continues.

If completion takes three years, that waiting period needs to form part of the investment analysis.

That does not automatically make ready property superior because the off-plan buyer may have paid only part of the price during construction.

But investors should recognise the opportunity cost of waiting.

Which Is Better for Capital Appreciation?

There is no guaranteed answer.

Off-plan property is often marketed around capital-growth potential because the investor enters before the development is complete.

But appreciation depends on:

initial purchase price
wider property market
developer execution
location development
supply
demand
unit quality
handover timing

Off-plan appreciation

An investor who buys well at an early stage could benefit if the project’s market value increases by completion.

However, if the developer launches later phases at competitive prices or the surrounding area receives large amounts of supply, appreciation may be weaker.

Ready-property appreciation

Completed property can also appreciate.

The investor may benefit from:

infrastructure improvements
community maturity
limited supply
renovations
rental growth
stronger end-user demand

Neither category guarantees capital growth.

The purchase price matters more than the label.

Mortgage Financing: Ready Property Usually Has an Advantage

Mortgage availability is another major difference.

The Central Bank of the UAE currently caps the maximum loan-to-value ratio for property purchased off-plan at 50%, regardless of purchaser category, property value or purpose.

Completed property can fall under higher maximum LTV categories depending on factors including whether the purchaser is an expatriate or UAE national, whether it is a first home, its value and whether it is an investment or subsequent property.

What this means

A mortgage-dependent buyer may have greater financing flexibility with a ready property.

But regulatory LTV limits are maximum ceilings.

A bank can still lend less based on:

income
liabilities
credit assessment
residency
property valuation
property type
internal lender policy

Mortgage buyers should investigate financing before becoming contractually committed.

Which Is Safer?

Ready property generally provides greater certainty because the physical asset already exists.

But “safer” depends on what type of risk is being discussed.

Ready-property risks

These can include:

overpaying
building defects
high service charges
poor management
maintenance
weak rental demand
falling market prices

Off-plan risks

These can include:

construction delay
changes at handover within contractual allowances
developer execution
uncertain future rents
market changes
large competing supply
inability to resell quickly
future financing availability

Dubai’s escrow and provisional-registration framework provides important off-plan buyer protections, but regulation cannot eliminate market or construction risk. DLD’s project-registration service explicitly requires off-plan projects to establish an escrow account as part of the registration process.

Dubai Off-Plan Escrow Protection

Escrow accounts are an important feature of Dubai’s off-plan framework.

DLD requires developers to establish project-specific escrow arrangements when registering developments for off-plan sale.

DLD also provides Project Status Enquiry through Dubai REST, where buyers can investigate project details including developer information, completion status and escrow information.

What escrow helps protect

The system is designed to regulate the handling of funds associated with the development project.

What escrow does not guarantee

It does not guarantee:

completion on the buyer’s preferred date
future property appreciation
rental yield
resale profit
uninterrupted construction
that every property will be a good investment

Buyers still need to investigate the individual project.

Registration Costs: Off-Plan vs Ready

Both categories involve DLD registration costs, although the process differs.

Ready property registration

DLD currently lists:

seller: 2% of sale value
buyer: 2% of sale value
AED250 title deed
applicable map charge
AED10 Knowledge fee
AED10 Innovation fee
Registration Trustee fees

For properties worth AED500,000 or more, DLD currently lists Registration Trustee fees of AED4,000 + VAT.

Off-plan initial registration

For an off-plan initial sale, DLD currently lists:

seller: 2%
purchaser: 2%
AED10 Knowledge fee
AED10 Innovation fee

The transaction is provisionally registered through Oqood.

Actual contractual allocation of registration costs should be confirmed for the transaction.

Which Has More Predictable Service Charges?

Ready property.

In an operating building, buyers can usually investigate approved current service charges and compare previous ownership costs.

With off-plan, final charges may not yet have a meaningful operating history.

Why service charges matter

Consider two properties each generating AED100,000 annually.

Property A service charges:

AED10,000

Property B service charges:

AED25,000

Before other expenses, Property A already retains AED15,000 more annual income.

A high gross rental yield can therefore be misleading if recurring building costs are high.

Which Gives You More Property Choice?

Off-plan often provides greater unit choice at launch.

A buyer may select:

preferred floor
unit orientation
size
layout
view

Ready-property buyers are limited to whatever owners currently decide to sell.

However, buying early does not mean every available unit is good.

Investors should still ask whether they would willingly buy that exact unit if the building were already complete.

Which Is Better for First-Time Buyers?

This depends primarily on cash flow and certainty.

Off-plan may suit a first-time buyer who:

has sufficient income but wants staged payments
does not need to move immediately
understands construction risk
has enough financial reserve to complete the payment plan

Ready property may suit a first-time buyer who:

wants to move in soon
requires mortgage financing
prefers to inspect the actual home
wants more certainty over the community and ownership costs

First-time buyers should avoid stretching finances simply because an off-plan deposit appears small.

The entire payment obligation matters.

Which Is Better for Property Investors?

Investors should begin with strategy.

Income-focused investor

Ready property usually has the stronger argument because rental income can potentially begin soon.

Capital-growth investor

Off-plan can be suitable where:

entry price is attractive
developer is strong
location has a credible growth thesis
surrounding supply is reasonable
holding period is long enough

Balanced investor

A ready property in a developing location may provide both existing rent and future growth potential.

Likewise, a near-completion off-plan project can reduce the waiting period while still providing access to newer inventory.

There is no requirement to choose the extreme end of either category.

Which Is Better for International Investors?

International buyers should consider how easily they can manage the property remotely.

Ready property advantages

A ready property provides:

immediate visual inspection
observable rental market
clearer service charges
established building
potential immediate management appointment

Off-plan advantages

An off-plan purchase may require less immediate capital and does not require day-to-day tenant management during construction.

But international buyers should monitor:

construction
payment deadlines
developer notices
handover
snagging
final registration

DLD’s Project Status Enquiry and Dubai REST services provide official tools for checking registered developments and construction information.

Which Is Better for End Users?

For somebody purchasing a home rather than primarily an investment, ready property often provides greater certainty.

You can evaluate:

commute
actual traffic
schools
neighbouring buildings
room sizes
sunlight
noise
community maturity

Off-plan property requires greater imagination.

The master plan may look attractive, but portions of the surrounding community may still be under construction when the buyer receives the keys.

Off-plan can still suit end users

It can make sense where:

the buyer does not need the home immediately
the payment schedule fits future income
the family plans to relocate later
the master community suits long-term needs

Buying Off-Plan Near Completion: The Middle Ground

Off-plan and ready property are not always completely separate investment strategies.

A project that is 80% or 90% complete can offer a middle position.

Potential advantages include:

shorter wait to handover
visible construction progress
more evidence about surroundings
reduced construction-duration uncertainty
access to new property

However, pricing may also be higher than it was at launch.

Investors should compare a near-completion property directly against nearby ready units rather than assuming it is still the better deal simply because it is technically off-plan.

Off-Plan Resale Before Handover

Some investors plan to buy during construction and sell before completion.

This strategy requires caution.

The SPA and developer rules can impose conditions on assignment or resale.

The buyer should determine:

whether resale is permitted
minimum payment requirements
developer approval requirements
administrative costs
DLD registration requirements
how much unsold developer inventory remains

A buyer should not depend on early resale to fund future instalments unless the financial plan can survive if that resale does not happen.

Ready Property Can Also Require Renovation

Completed does not mean problem-free.

An older ready property may require:

painting
flooring
kitchen upgrades
bathroom refurbishment
air-conditioning work
appliances
electrical repairs

A cheap resale property can become expensive after renovation.

For this reason, compare:

Purchase price + renovation + acquisition cost

against the price of a newer ready or off-plan property.

New-Build Premium vs Ready-Property Discount

Developers may charge a premium for new property because buyers value:

modern architecture
new amenities
latest interiors
payment plans
untouched units

The question is whether the premium is justified.

For example:

New off-plan apartment:

AED1.5 million

Comparable ready apartment:

AED1.25 million

Premium:

AED250,000

The off-plan project may still be worth more if its quality, location and future demand justify the difference.

But a buyer should calculate how much rental income or appreciation would be required to recover that additional AED250,000.

How to Compare an Off-Plan Unit With a Ready Property

Use the same investment framework for both.

Purchase price

Compare the actual negotiated amounts.

Total acquisition cost

Include DLD registration, financing and transaction-specific expenses.

Payment timing

Consider when the money leaves your account.

Rental income

For ready property, use realistic current rent.

For off-plan, treat future rent as an estimate.

Service charges

Use current evidence for ready property and conservative assumptions for off-plan.

Holding period

A three-year construction period changes the economics.

Financing

Check whether the purchase requires mortgage finance and when.

Resale market

Identify the likely future buyer.

Future supply

This is particularly important for off-plan.

Risk

Consider construction, building quality, maintenance and market risk.

Example: Off-Plan vs Ready Investment

Consider two hypothetical one-bedroom apartments.

Property A: Off-plan

Purchase price: AED1.2 million
Construction period: 3 years
Staged payment plan: Yes
Current rental income: AED0
Future estimated rent: AED90,000

Property B: Ready

Purchase price: AED1.25 million
Rental income: AED90,000
Immediate leasing: Potentially
Payment: Mostly required around purchase/transfer

On price alone, Property A appears cheaper.

But Property B could potentially produce:

AED90,000 × 3 = AED270,000

in gross rent during the three years while Property A is being built, before expenses and vacancy.

Property A might appreciate more during construction.

It might not.

This illustrates why buyers should evaluate time as well as price.

2026 Market Context: Off-Plan Dominates, but Ready Still Matters

Dubai’s wider property market remains substantial.

DLD reported AED252 billion in real estate transactions during Q1 2026, with AED173 billion of real estate investments recorded during the quarter.

Off-plan remained the dominant residential category during H1 2026, representing 74.8% of transactions according to Cavendish Maxwell.

But popularity should not determine an individual purchase.

A highly active off-plan market can create:

more choice
strong competition between developers
extensive new supply

while the ready market can provide:

immediate use
observable rents
established buildings
more certainty

The strongest choice remains property-specific.

Off-Plan Property: Main Advantages

Off-plan may offer:

staged payments
lower immediate cash requirement
access to newly launched properties
wider early unit selection
new construction
potential appreciation before handover
modern amenities and layouts

These advantages are meaningful.

None guarantees that the investment will outperform a ready property.

Off-Plan Property: Main Disadvantages

Potential drawbacks include:

construction waiting period
no immediate normal rental income
handover uncertainty
future rental uncertainty
future service-charge uncertainty
construction and developer risk
greater supply uncertainty
more restrictive mortgage financing
resale conditions before completion

The longer the construction period, the more future assumptions the buyer is making.

Ready Property: Main Advantages

Ready property offers:

physical inspection
immediate occupation potential
potential immediate rent
existing community
observable service charges
actual rental comparisons
reduced construction risk
electronic title deed after completed transfer
broader financing possibilities

For buyers prioritising certainty, these are substantial advantages.

Ready Property: Main Disadvantages

Ready properties can also have disadvantages:

larger immediate cash requirement
limited available inventory
older building systems
maintenance
renovation
fewer payment-plan options
existing tenancy complications
sellers may expect immediate completion

A completed property is not automatically lower risk if the building itself is weak.

Who Should Choose Off-Plan?

Off-plan can be suitable for a buyer who:

has a medium- or long-term horizon
does not need immediate rental income
can comfortably meet future instalments
values new construction
wants access to an emerging community
understands construction and supply risk
has researched the developer carefully

It is less suitable for someone whose financial plan depends on quickly reselling the contract.

Who Should Choose Ready Property?

Ready property can be suitable for a buyer who:

wants immediate occupancy
wants immediate rental potential
needs stronger evidence for calculating yield
prefers seeing the actual property
wants clearer ownership costs
requires conventional mortgage financing
values certainty over payment-plan flexibility

Income-focused landlords frequently find this profile attractive.

Off-Plan Due Diligence Checklist

Before purchasing off-plan, verify:

developer
project registration
escrow account
construction status
unit details
SPA
payment schedule
provisional registration
handover terms
nearby future supply
resale restrictions
financing plan

DLD’s Project Status Enquiry allows buyers to inspect registered project information including development and escrow details.

Ready Property Due Diligence Checklist

Before purchasing a completed property, verify:

title deed
seller
building condition
unit condition
current service charges
existing tenancy
rental evidence
developer e-NOC requirements
outstanding mortgage
maintenance
comparable sales

DLD’s completed-sale process currently requires the relevant identity documents and an e-NOC from the developer for applicable freehold properties before registration.

Frequently Asked Questions

Is off-plan or ready property better in Dubai?

Neither is universally better. Off-plan can suit buyers seeking payment flexibility and new developments, while ready property is generally stronger for buyers wanting immediate use, rental income and greater certainty.

Is off-plan property cheaper than ready property?

Not always. Some off-plan developments launch at attractive prices, while others command premiums because of new construction, branding, payment plans or expected future infrastructure. Compare exact properties rather than categories.

Which is better for rental income?

Ready property normally has the advantage because it can potentially generate rent shortly after purchase. Off-plan property produces no normal rental income while construction continues.

Which is better for capital appreciation?

Either can appreciate. Off-plan buyers may benefit from growth between purchase and completion, while ready properties can appreciate through rental growth, infrastructure, scarcity and community maturity. Neither outcome is guaranteed.

Is off-plan property more risky?

It carries additional construction, handover and future-market risk because the property is not yet complete. Dubai regulates the sector through project registration, escrow and provisional registration requirements, but those protections do not eliminate investment risk.

Is ready property easier to mortgage?

Generally, financing can be more flexible for completed properties. CBUAE caps mortgages on property purchased off-plan at 50% LTV, while different and potentially higher maximum ratios apply to qualifying completed-property categories.

What is Oqood?

Oqood is the DLD system used for provisional registration of off-plan property sales. DLD currently requires the SPA to be entered in the provisional register within 90 days after signing.

Do off-plan projects have escrow accounts?

Qualifying developments sold off-plan operate within Dubai’s project-registration and escrow framework. DLD requires an escrow account as part of registering a development for off-plan sale.

Can I inspect an off-plan project’s construction progress?

DLD’s Project Status Enquiry and Dubai REST allow users to access registered project details, including construction and escrow-related information.

Does ready property have lower fees?

Not necessarily. Both ready and off-plan property involve DLD registration charges, but their registration processes and additional costs differ. Ready transfers also involve title and Registration Trustee charges under the applicable DLD service.

So, Which Is Better: Off-Plan or Ready Property?

For a buyer who wants immediate rental income, physical certainty and easier financial modelling, ready property often has the stronger case.

For a buyer who wants staged payments, access to new developments and a longer investment horizon, off-plan property can be more suitable.

The mistake is choosing based on the category alone.

A weak off-plan project does not become attractive because it offers a 60-month payment plan.

A poorly maintained ready apartment does not become attractive simply because it already has a tenant.

Compare the actual properties.

For off-plan, evaluate the developer, project registration, escrow account, SPA, payment schedule, construction period, future supply and handover market.

For ready property, evaluate the purchase price, building condition, existing rents, service charges, maintenance, tenant demand and resale liquidity.

Most importantly, calculate the opportunity cost.

An off-plan buyer may benefit from spreading payments but wait years for rental income. A ready-property investor may need more money upfront but can potentially begin generating income much sooner.

The better property is therefore the one whose price, cash flow, risk and timing match your individual objective.

HAMZ International Real Estate can help buyers compare ready and off-plan properties across Dubai, assess individual projects and completed units, and identify opportunities suited to their budget, rental-income goals and intended holding period.

Sources & Fact-Checking

Dubai Land Department — Property Sale Registration
Supports: completed-property transfer procedures, e-NOC requirement, current seller and buyer registration charges, title-deed issuance, map fees and Registration Trustee charges.
Direct source URL:
https://dubailand.gov.ae/en/eservices/property-sale-registration/

Dubai Land Department — Initial Sale Registration
Supports: Oqood provisional registration, off-plan buyer documentation, current registration charges, provisional registration certificate and the 90-day SPA registration requirement.
Direct source URL:
https://dubailand.gov.ae/en/eservices/request-to-register-the-initial-sale/

Dubai Land Department — Register Project
Supports: project registration, escrow-account opening, development approvals and the current 30% project guarantee framework for off-plan developments.
Direct source URL:
https://dubailand.gov.ae/en/eservices/register-project/

Dubai Land Department — Project Status Enquiry
Supports: official project verification, construction status, developer details and escrow-account information for registered developments.
Direct source URL:
https://dubailand.gov.ae/en/eservices/real-estate-project-status-landing/real-estate-project-status/

Dubai Land Department — Dubai REST
Supports: project-status information and official digital property services available to Dubai buyers and investors.
Direct source URL:
https://dubailand.gov.ae/en/eservices/dubai-rest/

Dubai Land Department — Q1 2026 Real Estate Market Performance
Supports: AED252 billion in total Q1 2026 real estate transactions, AED173 billion in investments and wider Dubai property market activity.
Direct source URL:
https://dubailand.gov.ae/en/news-media/dubai-s-real-estate-transactions-surge-31-to-reach-aed-252-billion-in-q1-2026/

Cavendish Maxwell — Dubai Residential Market Performance H1 2026
Supports: H1 2026 residential transaction trends and off-plan property’s 74.8% share of Dubai residential transactions.
Direct source URL:
https://cavendishmaxwell.com/insights/market-reports/residential/dubai-residential-market-performance-h1-2026

Central Bank of the UAE — Regulations Regarding Mortgage Loans
Supports: UAE residential mortgage regulations and the maximum 50% loan-to-value ratio applicable to off-plan property purchases.
Direct source URL:
https://rulebook.centralbank.ae/en/rulebook/regulations-regarding-mortgage-loans

Central Bank of the UAE — Mortgage Loans and Important Ratios
Supports: maximum loan-to-value framework for completed owner-occupied and investment properties compared with off-plan purchases.
Direct source URL:
https://rulebook.centralbank.ae/en/rulebook/article-3-important-ratios

Off-Plan vs Ready Property in Dubai: Which Is Better?