Off plan payment plans can look confusing at first, with percentages, milestones and handover dates. This guide explains the payment structure and pricing reported for Al Ghadeer Gardens Phase 2 in plain terms, so you can see what you would pay and when. For full project information, see the Al Ghadeer Gardens Phase 2 listing.
The Project in Brief
Al Ghadeer Gardens Phase 2 is Aldar’s second release of townhouses and villas in Al Ghadeer, on the Abu Dhabi and Dubai border. The first release of 437 homes sold out at launch in May 2026, bringing in more than AED 1 billion in sales. Phase 2 has 391 units, with two, three and four bedroom homes from about 1,348 to 2,198 square feet. Completion is listed for the fourth quarter of 2030.
Reported Prices
Agency listings show:
- Townhouses from around AED 1.95 million to AED 2 million
- Villas from about AED 3.36 million
Prices can change as units sell, and the remaining stock may be mostly four bedroom villas at times, based on Aldar’s own listing. Always ask for the latest price list.
The 55/45 Payment Plan
Agencies describe a 55/45 plan. Here is what that means:
- 5% down payment when you book
- 50% paid during construction
- 45% paid on handover
The first number, 55, is the total paid before handover (5% plus 50%). The second number, 45, is the amount due when the home is complete.
A Simple Example
Take a townhouse priced at AED 2 million as an example:
- Down payment of 5%: AED 100,000
- During construction, 50%: AED 1,000,000, spread across instalments
- On handover, 45%: AED 900,000
This is an illustration only. Actual instalment dates and amounts are set out in the sales agreement, and there are usually extra costs such as registration fees.
Why This Structure Can Suit Buyers
A low 5% down payment lowers the barrier to entry. Spreading 50% over the construction period gives buyers time to save, and a 45% handover payment can be covered by savings or, in many cases, home finance at completion. With completion listed for late 2030, the construction period is fairly long, which spreads out the instalments.
Points to Check Before Signing
- The exact number and timing of construction instalments
- Whether instalments are linked to dates or to construction progress
- Registration and administrative fees
- What happens if handover is earlier or later than planned
- Your financing plan for the handover payment
Who Bought in Phase 1
Understanding the buyer mix helps set expectations. About 83% of first phase buyers were buying from Aldar for the first time, and about 64% were expatriate residents or overseas buyers, with UAE, Indian, Chinese and Jordanian buyers among the most active. A low entry payment plan likely helped first time buyers commit.
What You Get for the Price
Beyond the home itself, the community includes more than 30,000 square metres of landscaped open space, a central community hub, padel and basketball courts, a splash pad and play areas. Al Ghadeer British School is set to open for the 2030 academic year with room for more than 2,800 students.
Budgeting Tips
- Build a month by month cash flow plan for the construction period
- Keep a buffer for fees and furnishing at handover
- Speak to a mortgage adviser early if you plan to finance the handover payment
- Compare the total cost of a townhouse and a villa, not just the deposit
Working With Autograph Realtors
Autograph Realtors can request the latest price list, explain the payment schedule in clear numbers and check which homes remain. If you are comparing several projects, a side by side view of payment plans can make the decision far easier.
Off Plan Versus Ready Homes
Buying off plan means paying in stages while the home is built, often at a lower entry cost than a ready home. The trade off is waiting until the fourth quarter of 2030 to move in or earn rent. Weigh both sides against your own plans.
Final Thoughts
The 55/45 plan at Al Ghadeer Gardens Phase 2 makes entry easier with a 5% down payment and spreads most of the cost across the build. Confirm every figure in the official documents, plan your cash flow and choose the home type that fits your budget.
