Developer-confirmed payment schedule
The full 60/40 Tree of Life schedule is published below from developer material. The current Way of Water schedule is confirmed for the selected residence and sent by a manager in writing.
Published and manager-confirmed
Tree of Life has a developer-confirmed public schedule. The Way of Water sales pack available to this site does not include a full current payment schedule, so the site does not fill that gap with aggregator data.
60 / 40
01
10%
Booking
02
10% +4%
SPA signing (+4% DLD)
03
10%
60 days from SPA
04
5%
90 days from SPA
05
5%
180 days from SPA
06
10%
40% construction completion
07
10%
60% construction completion
08
40%
On completion
Payment plan: 100% + 4% DLD
The 4% DLD registration fee is calculated on the purchase price and sits outside the 100% schedule.
Source: EYWA Tree of Life — developer presentation (73 pp.)
Data updated: 2026-08-29
Way of Water
Send the residence type or unit number. A manager will check the current developer documents and return the applicable instalments, dates, fees and handover payment in writing.
Request the Way of Water schedule
Tree of Life, instalment by instalment
Cumulative percentages are calculated from the schedule itself, so the arithmetic on this page cannot drift from the contract wording.
| # | Milestone | Instalment | DLD fee | Paid to date | Still outstanding |
|---|---|---|---|---|---|
| 01 | Booking | 10% | — | 10% | 90% |
| 02 | SPA signing (+4% DLD) | 10% | 4% | 20% | 80% |
| 03 | 60 days from SPA | 10% | — | 30% | 70% |
| 04 | 90 days from SPA | 5% | — | 35% | 65% |
| 05 | 180 days from SPA | 5% | — | 40% | 60% |
| 06 | 40% construction completion | 10% | — | 50% | 50% |
| 07 | 60% construction completion | 10% | — | 60% | 40% |
| 08 | On completion | 40% | — | 100% | 0% |
| Total, excluding the DLD registration fee | 100% | 4% | 100% | 0% |
The 4% DLD registration fee is calculated on the purchase price and sits outside the 100% schedule.
Source: EYWA Tree of Life — developer presentation (73 pp.)
Data updated: 2026-08-29
What each milestone means
The schedule looks like a list of percentages. In practice each line has a trigger, a document and a consequence.
01 10% Paid to date 10%
The first 10% reserves a specific unit number and takes it off the availability list. At this point you are choosing the residence itself: level, aspect, terrace and parking allocation are all fixed by the unit you book, and they are what drive the price.
02 10% Paid to date 20%
The second 10% falls due when the Sale and Purchase Agreement is signed, and the statutory 4% Dubai Land Department registration fee is paid alongside it. This is the heaviest moment in the schedule in cash terms: 20% of the price plus 4% of the price inside the opening weeks. The SPA is the document that names the unit, the areas, the specification and the completion obligation.
03 10% Paid to date 30%
A further 10% on a fixed date rather than a construction event. The three date-driven instalments exist so that the early part of the schedule is predictable regardless of how quickly the building rises.
04 5% Paid to date 35%
The schedule steps down to 5%. By this point 45% of the price has been paid and the remaining date-driven instalment is six months out.
05 5% Paid to date 40%
The last 5% on a calendar trigger. Half the purchase price is now settled, and every remaining instalment before completion is tied to verified construction progress instead of a date.
06 10% Paid to date 50%
10% released against a construction milestone, not a calendar date. The milestone is certified before the instalment is called, which is the point of writing the schedule this way: the payment follows the building.
07 10% Paid to date 60%
The final 10% before handover. This is the instalment that takes the schedule to 60% paid — the number in the "60/40" label — with the balance held back until the tower is finished.
08 40% Paid to date 100%
The remaining 40% is due on completion, against handover. Keeping the largest single instalment at the end is what makes a 60/40 plan buyer-weighted compared with a plan that front-loads 80% or more.
Source: EYWA Tree of Life — developer presentation (73 pp.)
Data updated: 2026-08-29
Way of Water
A payment plan belongs to the sale documents for a specific residence. Publishing an unverified summary would turn a signal from a listing into a commercial promise.
The Way of Water developer presentation documents the layouts, areas and project specification, but the copy held by this site does not state a complete current payment schedule. The manager therefore checks the sales documents in use on the day of your request.
The written reply identifies the residence, each instalment, its trigger, any registration charges and the validity of the quoted terms. Use that document, together with the SPA, for the purchase decision.
How off-plan works in Dubai
Three mechanisms sit behind every instalment. None of them are unique to EYWA; all of them are worth understanding before you sign.
Source: EYWA Tree of Life — developer presentation (73 pp.)
Data updated: 2026-08-29
Before any reservation
Reservation terms can vary by residence and date. A manager checks them against the current sales documents before asking you to take any action.
Read next
Enquiry
Official developer list prices are already public. After you submit, a manager checks current availability, the private terms for your shortlist, their validity date and the applicable payment documents.
We reply with the current schedule for the residence you are considering, the official list price, availability, registration costs and any applicable private terms.