Coligo Real Estate, Coligo Real Estate 20th Moosa Tower Sheikh Zayed road, Dubai (2026)

22/09/2026

For three years, Dubai off-plan was sold on stretched payment plans. Forty per cent during construction, sixty after handover. One per cent a month. Pay while you live in it.

In 2026, that has quietly reversed.

Developers, especially the larger ones, are moving back to construction-linked plans. 70/30 and 80/20 are becoming the standard again. You pay most of the price while the building goes up, and settle the balance at handover.

Why it is happening:

Developers are builders, not banks. A long post-handover plan turns the developer into a lender for years after the building is finished. With material and logistics costs under pressure, fewer of them want that exposure.

It filters buyers. A plan that asks for real commitment before handover attracts people who intend to complete, and fewer who planned to flip the contract before the big payments landed.

It signals confidence. A developer asking for 80% during construction is betting buyers will commit anyway, because the project justifies it.

What it means for you:

More capital goes in before the unit can earn rent. Plan that cash flow honestly, not optimistically.

The handover 20% is often the part you finance. Some banks now pre-approve mortgages during construction, so start that conversation early rather than when the handover notice arrives.

Your money is still protected. Instalments go into the project escrow account under Law No. 8 of 2007, released against verified construction progress. On a construction-linked plan, your payments track the building itself.

Post-handover and 20/80 plans still exist. They are just rarer, and usually priced accordingly.

Comparing plans on a project? Send it to us and we will lay out exactly what each structure costs you, and when.

CONTACT: +971 50 940 1777 | +971 56 708 4819
[email protected]

21/09/2026

إنا لله وإنا إليه راجعون

Coligo Real Estate extends its deepest condolences to His Highness Sheikh Mohammed bin Rashid Al Maktoum, the Al Maktoum family and the people of Dubai on the passing of Sheikh Ahmed bin Rashid Al Maktoum.

His service to Dubai and to the nation since its founding will be long remembered.

May Allah grant him mercy, and grant his family patience and solace.

Indeed, to Allah we belong, and to Him we shall return.

18/09/2026

You do not need a UAE residency visa to own property in Dubai. You do not need to be in the country to buy one.

This surprises people constantly. Freehold ownership in designated areas is open to all nationalities, resident or not, and the off-plan purchase process was built to work remotely long before anyone called it that.

How it actually works from abroad:

You review floor plans, pricing and payment plans remotely. Reservation is signed digitally in most cases.

Funds go to the project escrow account, not to the developer directly. Protected under Law No. 8 of 2007 and released against verified construction milestones.

Your unit is registered on the Interim Property Register, Oqood, which records your title long before handover. That registration exists whether you were standing in Dubai or not.

If a step genuinely requires physical presence, a Power of Attorney covers it. That is the part worth doing properly, because a POA executed overseas needs notarisation, legalisation through the UAE mission in your country, MOFA attestation and legal Arabic translation. Requirements vary by country, so use a conveyancer rather than a template.

At AED 2 million and above, the 10-year Golden Visa route becomes available, subject to DLD confirmation. Ownership first, residency as an option afterwards, not a prerequisite.

The honest caveat: buying somewhere you have never stood is harder, not easier. Ask for video walkthroughs of the site, not just renders. Ask who manages the unit after handover, and what that costs. And ask any agent for the DLD project registration number and the escrow account number before you transfer anything at all. Distance is exactly when that check matters most.

Buying from outside the UAE? Tell us where you are and we will walk you through it properly.

CONTACT: +971 50 940 1777 | +971 56 708 4819
[email protected]

17/09/2026

Most property advice in Dubai is written for investors. If you are buying somewhere to actually live, almost none of it applies to you.

Yield does not matter to you. Exit timing does not matter to you. What matters is the next ten years of ordinary mornings, and those are decided by things that never appear on a brochure.

The questions worth asking instead:

How long is the school run, in traffic, in October? Not the map estimate. The real one, at eight in the morning, on the route you would genuinely take. Drive it once before you commit.

Where do you buy milk at nine at night? A community with beautiful landscaping and no functioning retail for three more years is a very long three years.

Is the building finished around you, or is the plot next door still empty? An empty plot is a construction site in waiting. Ask what is approved on it.

Which direction does the living room face? West-facing glazing in a Dubai summer is a cooling bill and a room you stop using in the afternoon.

Can you walk anywhere? Shade, a continuous footpath and somewhere to walk to change how a place feels far more than the finish on the kitchen worktops.

Does the community have a mosque, a clinic, a park within walking distance? These fill in slowly, or sometimes not at all.

None of this shows up in a price per square foot. All of it shows up in whether you are still happy there in year three.

If you are buying to live rather than to let, tell us that at the start. It changes what we would show you, and it should.

CONTACT: +971 50 940 1777 | +971 56 708 4819
[email protected]

16/09/2026

Forty on construction, sixty after handover. One per cent a month. No interest.

It reads like the developer is lending you money for nothing. They are not. Someone is funding that deferral, and it is not the developer absorbing it out of goodwill.

Here is the question that reveals it.

Ask for the price on the standard plan. Then ask for the price if you pay in full, or close to it, on a short plan. The gap between those two numbers is the cost of the extended terms. It is often sitting inside the headline price rather than shown as a rate, which is exactly why it is easy to miss.

Sometimes that cost is worth paying. If it beats what a mortgage would cost you, or you simply do not want capital locked up, a long plan can be the right call. That is a decision, not a gift, and you can only make it properly once you can see both numbers.

Three things people get caught by:

The instalments do not pause. Post-handover payments continue whether or not the unit is tenanted, whether or not the building is fully operational, whether or not the rental market softened that year. You are committed to a schedule, not to an outcome.

The DLD fee is due up front. Four per cent plus registration is payable at purchase, not deferred with the rest. Budget it separately.

Service charges start at handover. They begin the moment the building is live, and they run alongside your remaining instalments.

None of this makes post-handover plans a trap. Plenty of buyers use them well. It makes them a structure worth understanding properly before you sign, rather than a headline worth reacting to.

Send us any payment plan you are looking at and we will show you what it actually costs against paying earlier. No obligation.

CONTACT: +971 50 940 1777 | +971 56 708 4819
[email protected]

14/09/2026

You will be quoted the price. You will be quoted the payment plan. You will rarely be quoted the service charge.

Waterfront and amenity-heavy buildings cost more to run than standard stock. Marina frontage, infinity pools, landscaped podiums, concierge, extensive glazing that needs cleaning at height. Someone maintains all of it, and that someone is every owner in the building, annually, per square foot, forever.

This is the number that quietly decides your actual yield.

Two apartments can show the same purchase price and the same projected rent, and return very different money once the service charge is paid. On a large unit the annual difference between a lean building and a heavily serviced one runs into real figures, every single year you hold it.

None of this is an argument against waterfront. Scarcity on a fixed shoreline is genuine, and it is the strongest structural case in Dubai property. It is an argument for knowing the full running cost before you commit, rather than after.

What to ask, before you sign anything:

The current service charge per square foot, in writing, for the exact building and tier you are buying into.

Whether that figure is the developer’s estimate or an RERA-approved rate. Estimates on off-plan projects have a habit of rising once the building is actually operating.

What the reserve fund position looks like, if the building is already handed over. An underfunded reserve means a special levy lands on owners later.

You can check approved service charges yourself through the DLD’s published index. Any agent who does not want you to is telling you something.

Message us for the real running cost on anything you are considering, waterfront or otherwise. We would rather you buy with the full number in front of you.

CONTACT: +971 50 940 1777 | +971 56 708 4819
[email protected]

13/09/2026

Everyone is watching the apartment supply. Almost nobody is watching what it does to villas.

Dubai’s 2027 and 2028 pipeline is heavily weighted toward apartments, and heavily concentrated in a handful of districts. JVC alone carries roughly 16,850 units. Business Bay around 10,100. When one tower competes directly with the next one along, that is where absorption gets tested first.

Villas and townhouses sit outside most of that pressure, for a simple reason. Land.

A tower puts 400 homes on a plot. A villa community puts 40 on the same footprint. Low-density land inside a 20-minute commute is finite in a way that airspace is not, and it does not get released back into the market when a new phase launches. That is the entire structural argument, and it does not depend on anyone’s forecast being right.

What that does not mean: villas cannot fall. They can, and they have. It means the supply side behaves differently, not that the price side is guaranteed.

What to actually check before you buy one:

Ask what else is completing within one kilometre of your plot in the same year. Citywide numbers tell you very little. Your street tells you everything.

Ask whether the community is bounded. A protected edge, a sanctuary, a coastline or an existing built-out neighbour means no second wave behind you later.

Ask for the DLD project registration number and the escrow account number. Freehold, escrow-protected under Law No. 8 of 2007, Oqood registered. Any agent worth dealing with hands all three over without being chased.

Message us for what is genuinely open right now in the villa and townhouse segment, and a straight answer on what your budget reaches.

CONTACT: +971 50 940 1777 | +971 56 708 4819
[email protected]

12/09/2026

Lagoon frontage in MBR City, with the Downtown skyline as the view.

High-rise apartments and villas arranged around man-made lagoons, landscaped promenades, retail and schools, on the edge of Mohammed Bin Rashid City. The Burj Khalifa skyline sits in the middle distance rather than a postcard away.

Location: off Ras Al Khor Road, roughly 10 to 15 minutes to Downtown Dubai and Business Bay, with Dubai International Airport under 20 minutes out.

The detail most buyers miss: the community backs onto the Ras Al Khor Wildlife Sanctuary. That is a protected boundary, which means no second wave of towers can rise behind it later. In a city where views disappear to construction all the time, a fixed edge is one of the few things that genuinely defends an outlook long term.

Handovers across the phases run from 2027 into 2028.

The structural protections, as always. Freehold, so open to all nationalities. Buyer payments held in a project-specific escrow account under Law No. 8 of 2007, released against verified construction milestones rather than paid directly to the developer. Oqood registration on the Interim Property Register records your title over the unit well before you get keys.

At AED 2 million and above, the 10-year Golden Visa route applies, subject to DLD confirmation.

One habit worth keeping on any off-plan purchase, here or anywhere. Ask for the DLD project registration number and the escrow account number before you sign. Every legitimate project in Dubai has both, and any agent worth dealing with hands them over without being chased.

Message us for current availability, the live price list and the payment plans on the phases still open.

CONTACT: +971 50 940 1777 | +971 56 708 4819
[email protected]

10/09/2026

THE NUMBER EVERYONE IS QUOTING

Around 146,000 units are forecast for delivery in Dubai in 2027, with roughly 120,000 more in 2028. Set against a five-year delivery average of about 35,500 homes a year, 2027’s pipeline sits near 98% above trend.

Read alone, that number sounds like a crash.

THE NUMBER ALMOST NOBODY QUOTES

Fitch looked at what Dubai actually delivered between 2022 and 2024. Around 97,000 units against 174,000 forecast. Roughly 56%.

Dubai has never once delivered its pipeline on schedule. Contractors run late, phases slip, developers stage releases to protect pricing. The forecast is a ceiling, not a plan.

SO WHAT ACTUALLY HAPPENS

Nobody sensible knows. But the pressure will not land evenly, and that part is predictable.

The pipeline is heavily concentrated. JVC carries roughly 16,850 units, Business Bay around 10,100, Azizi Venice close to 7,860. Standard mid-market apartment stock in high-supply districts is where absorption gets tested first, because one tower competes directly with the next one along.

Villas, waterfront, and anything on a fixed shoreline or a protected boundary sit in a different market. You cannot more coastline. That is the whole argument.

WHAT TO DO WITH THIS

If you are buying to hold, supply concentration in your specific district matters far more than the citywide headline. Ask what else is completing within one kilometre of your unit in the same year. Most agents will not have checked.

If someone tells you 2027 is a guaranteed correction, or a guaranteed boom, they are selling you something. The honest answer is that the delivery gap has been wide and consistent for years, and there is no clean way to price it.

We would rather give you the range than a prediction.

CONTACT: +971 50 940 1777 | +971 56 708 4819
[email protected]

09/09/2026

HAPPY BIRTHDAY, Razmi Lebbe

Today we’re celebrating our Head of Sales, Razmi Lebbe.
Razmi leads from the front, and the standard he sets shows up in every client conversation our team has. Steady when a deal gets complicated, straight with people about what they’re buying, and the first to pick up the phone when someone needs an answer.

Wishing you a brilliant year ahead. From all of us at Coligo Real Estate.

Coligo Real Estate

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