No. Plan A's qualification process does not go through UAE bank mortgage criteria. We assess your financial capacity and the property itself — not your UAE employment history, salary certificate, or audited accounts. Self-employed professionals, non-residents, and newly arrived expats are all eligible.

The option fee is non-refundable in all scenarios. It is the consideration for locking your purchase price for up to 5 years, securing your registered option rights, and guaranteeing all three exit paths.

If you exercise and complete the purchase, the option fee is credited toward your purchase price — it is applied, not returned. If you sell your option, you exit with the appreciation gap above your locked entry price; the option fee is not separately returned. If you walk away, you leave the option fee behind and exit clean — no debt, no credit impact, no court process.

The higher your option fee, the greater your share of any appreciation at exercise. A 5% fee gives you 0% of appreciation — your entry is secured but appreciation at exercise goes entirely to Plan A. A 10% fee gives you 40%. A 15% fee gives you 80%. A 20% fee locks your original purchase price — 100% of any appreciation is yours. All tiers are agreed and fixed before you move in. Your locked purchase price does not change regardless of what the market does.

Yes. All Plan A agreements are registered with the Dubai Land Department under Dubai Law No. 7 of 2006. You receive a provisional title deed at signing. Your option rights are publicly recorded in DLD's system — they cannot be challenged, transferred, or removed without your consent.

Plan A operates exclusively on secondary ready-market properties in Dubai and Abu Dhabi in the AED 2M–8M range. The property must be ready for immediate occupation — off-plan and developer stock are not eligible. Plan A covers all property types: apartments, townhouses, and villas across approved communities.

Your single monthly payment covers the finance component (tracking a 25-year mortgage amortisation on residual property value at an EIBOR-linked rate) plus all ownership costs — service charges, building insurance, and maintenance.

Yes. Non-residents and international buyers can complete the entire process remotely. You do not need to be physically present in Dubai to sign or to make your option fee payment. Overseas investors are among our primary target segments.

You have three options. You can sell your registered option to a new buyer and keep the appreciation between your entry price and the current market value. Or you can walk away cleanly — returning the property with no credit impact, no foreclosure process, and no court involvement. Or you could use all of your accumulated equity towards the purchase. All paths are pre-agreed in your contract before you move in.

For a non-resident paying AED 3M in full cash, the opportunity cost at 7% annual return is approximately AED 17,500/month on locked capital. With Plan A, the same buyer commits AED 450,000 (15% option fee), keeps AED 2.55M invested, and earns approximately AED 14,875/month on freed capital. The net effective cost of the Plan A arrangement is approximately AED 6,800/month — less than half the cost of a full cash purchase on an economic basis, with six times the property exposure.

The UAE Golden Visa (10-year residency) requires property ownership of AED 2M or more. Under a Plan A arrangement, Plan A holds the title during the option term — you hold a registered option right. Golden Visa eligibility is achieved when you exercise your option and complete the title transfer. Plan A accelerates your path to Golden Visa eligibility by enabling you to enter the premium property market immediately, with a clear and pre-agreed exercise pathway.