Payment schedule
When each dirham is due
Tree of Life is sold on a 60/40 schedule across eight instalments; Way of Water is offered on 10/50/40. This page sets out every milestone, the running total after each one and the mechanics that sit behind an off-plan purchase in Dubai.
- Paid before completion
- 60%
- Due on completion
- 40%
- Within 180 days of SPA
- 40%
- DLD registration fee
- 4%
Tree of Life, across seven instalments
The final instalment for both towers
Booking, SPA signing and the three fixed-date instalments
Statutory, payable at SPA signing on top of the price
Both towers
The two schedules side by side
The towers are separate sales releases, so they carry separate schedules. Tree of Life is the detailed one: eight instalments, three of them on fixed dates and two tied to verified construction progress.
EYWA Tree of Life
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
EYWA Way of Water
10 / 50 / 40
-
01
10%
Booking
-
02
50%
During construction
-
03
40%
On handover
Payment plan: 100%
Values marked as aggregator data are indicative until confirmed by the developer price list.
Source: Engel & Völkers — Eywa 2
Data updated: 2026-08-29
Tree of Life, instalment by instalment
The running total after every payment
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
Eight payments, read in plain language
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%
Booking — the reservation
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%
SPA signing — plus the 4% DLD fee
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%
60 days from SPA
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%
90 days from SPA
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%
180 days from SPA
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%
40% construction completion
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%
60% construction completion
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%
On completion
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
Tree of Life vs Way of Water
Two structures, one project
Both towers hold back 40% until the building is delivered. They differ in how the first 60% is broken up.
| Tower | Plan | Instalments | Before completion | On completion |
|---|---|---|---|---|
| EYWA Tree of Life | 60 / 40 | 8 | 60% | 40% |
| EYWA Way of Water | 10 / 50 / 40 | 3 | 60% | 40% |
Tree of Life splits the pre-completion 60% into seven separate calls: two at signing, three on fixed dates in the first six months, and two against certified construction milestones. That granularity suits a buyer who wants the cash requirement spread and visible in advance, and it front-loads the paperwork — reservation, SPA and the DLD fee all land quickly.
Way of Water is quoted as a simpler three-step 10/50/40: a 10% booking, 50% spread across construction and 40% on handover. The headline shape is more familiar, but the 50% construction tranche is where the detail lives, and that detail is set out in the reservation pack for that tower rather than in a public deck. Note that the Way of Water plan reaches us through aggregator listings rather than developer material, so we mark it as indicative.
The practical difference for most buyers is not the total but the timing of the second payment. On Tree of Life, 24% of the purchase price — 20% of the schedule plus the 4% registration fee — is committed by SPA signing. Plan the liquidity for that moment and the rest of the schedule is comfortable.
Values marked as aggregator data are indicative until confirmed by the developer price list.
Source: EYWA Tree of Life — developer presentation (73 pp.) ; Engel & Völkers — Eywa 2
Data updated: 2026-08-29
How off-plan works in Dubai
Escrow, the SPA and the Oqood register
Three mechanisms sit behind every instalment. None of them are unique to EYWA; all of them are worth understanding before you sign.
- The project escrow account
- Instalments on an off-plan sale in Dubai are paid into a project-specific escrow account rather than to the developer directly. Funds are released to the developer against construction progress, which is why a schedule written against 40% and 60% completion is more than marketing language — the milestone is the release condition.
- The Sale and Purchase Agreement
- The SPA is the contract: it identifies the unit, the area, the specification, the payment schedule and the completion obligation, and it is registered with the Dubai Land Department. Everything on this website is a description of the offer; the SPA is the offer.
- Oqood pre-title registration
- Until a building is handed over there is no title deed to issue, so an off-plan interest is recorded on Oqood, the Land Department register for pre-title sales. It is the record that your unit is contracted to you, and it is what later converts into the title deed at handover.
- Paying from outside the UAE
- The dirham is pegged to the US dollar, and the developer quotes the price list in both currencies. Instalments are settled in dirhams; if you transfer from another currency, the rate that applies is the one on the day the payment clears, not the one printed in the price list.
- Resale before completion
- Off-plan units in Dubai can generally be assigned to a new buyer before handover, subject to the developer’s conditions and to a minimum proportion of the price having been paid. The specific threshold and the transfer procedure for EYWA are confirmed in writing — ask us and we will put the developer’s current terms in the reply.
- What we are not telling you
- This page describes structure, not suitability. It is not legal, tax or investment advice, and it does not replace your own adviser reading the SPA. If a broker tells you a number that is not on this page or in the developer material, ask them which document it comes from.
Values marked as aggregator data are indicative until confirmed by the developer price list.
Source: EYWA Tree of Life — developer presentation (73 pp.) ; Engel & Völkers — Eywa 2
Data updated: 2026-08-29
Booking and price lock
How the reservation step works
Under the current partner offer the reservation sits in front of the schedules above: a refundable AED 100,000 booking takes the unit off the market and freezes the commercial terms while the paperwork is signed.
- A refundable AED 100,000 booking
- The booking amount is AED 100,000 — about USD 27,000 — and it is fully refundable: if you decide not to proceed with the purchase, the amount is returned. It is the mechanism that takes a specific residence off the availability list while you decide.
- Seven days of locked terms
- From the moment of booking, four things are fixed for 7 calendar days: the chosen residence, the agreed price, the discount and the furniture package gift. Inside that window the unit cannot be re-priced or sold to anyone else.
- Reservation form within the same 7 days
- To keep the locked price and the furniture gift, the reservation form must be signed and its payment made within 7 calendar days of the booking date. Once the window closes, the terms revert to the standard price list.
- The 5% discount runs on a 10-day clock
- The additional 5% discount off the price list applies when the booking deposit is placed within 10 calendar days of receiving your personal offer. Together with the furniture package, the combined benefit can reach up to 15% of the residence price.
Source: R.Evolution × GetBoat partner brief (9 pp., Aug 2026)
Data updated: 2026-08-29
Enquiry
What you receive in reply: current availability, the full price list with areas and parking, floor plans of the units that match your brief, the payment schedule and the handover timeline.
Request the payment schedule in writing
We reply with the current schedule for the unit type you are considering, the reservation documents, the DLD and registration costs, and the handover timeline as the developer states it.
Thank you — enquiry received
Our team will come back to you with availability, floor plans and pricing.