{"id":58580,"date":"2026-10-30T06:40:16","date_gmt":"2026-10-30T06:40:16","guid":{"rendered":"https:\/\/reluxeharmony.com\/?p=58580"},"modified":"2026-10-30T06:40:17","modified_gmt":"2026-10-30T06:40:17","slug":"acheter-sur-plan-dubai-guide","status":"publish","type":"post","link":"https:\/\/reluxeharmony.com\/fr\/blogs\/acheter-sur-plan-dubai-guide\/","title":{"rendered":"Acheter sur plan \u00e0 Duba\u00ef : le guide 2026"},"content":{"rendered":"\n<div class=\"wp-block-group lh-article\"><div class=\"wp-block-group__inner-container is-layout-flow wp-block-group-is-layout-flow\">\n<style>\n@import url('https:\/\/fonts.googleapis.com\/css2?family=Playfair+Display:ital,wght@0,500;0,600;0,700;1,500&family=Jost:wght@300;400;500;600&display=swap');\n.post-wrap:has(.lh-article){background:#f8f5ef;}\n.post-wrap:has(.lh-article) .post-title-wrap h1{font-family:'Playfair Display',serif 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.schema-faq-section{border-bottom:1px solid #e2dccf;padding:14px 0;}\n.lh-article .schema-faq-question{font-family:'Playfair Display',serif;font-size:17px;font-weight:600;color:#1c2126;display:block;margin-bottom:6px;}\n.lh-article .schema-faq-answer{margin:0;}\n@media (max-width:640px){.lh-stats{grid-template-columns:1fr 1fr;}.lh-compare{grid-template-columns:1fr;}}\n<\/style>\n\n\n\n<blockquote class=\"wp-block-quote lh-lede is-layout-flow wp-block-quote-is-layout-flow\">\n<p class=\"wp-block-paragraph\">Sept logements sur dix vendus aujourd&#8217;hui \u00e0 Duba\u00ef sont achet\u00e9s avant d&#8217;\u00eatre construits. Acheter sur plan \u00e0 Duba\u00ef, c&#8217;est profiter des prix de lancement, de paiements \u00e9chelonn\u00e9s et d&#8217;un logement neuf \u2014 avec, depuis 2007, un cadre juridique con\u00e7u pour prot\u00e9ger chaque dirham vers\u00e9 par l&#8217;acheteur.<\/p>\n<\/blockquote>\n\n\n\n<div class=\"lh-stats\">\n  <div class=\"lh-stats-label\">Le march\u00e9 sur plan \u00e0 Duba\u00ef \u2014 2026<\/div>\n  <div class=\"lh-stat\"><b>72 %<\/b><span>des ventes \u00e0 Duba\u00ef au T3 2026 \u00e9taient sur plan<\/span><\/div>\n  <div class=\"lh-stat\"><b>4 %<\/b><span>droits DLD, pay\u00e9s \u00e0 l&#8217;enregistrement de la vente<\/span><\/div>\n  <div class=\"lh-stat\"><b>5\u201312 %<\/b><span>hausse de prix habituelle entre deux phases<\/span><\/div>\n<\/div>\n\n\n\n<p class=\"wp-block-paragraph\">Au troisi\u00e8me trimestre 2026, les ventes sur plan ont repr\u00e9sent\u00e9 72 % des transactions r\u00e9sidentielles \u00e0 Duba\u00ef et 65 % de leur valeur totale. Pour les acheteurs internationaux, l&#8217;immobilier sur plan \u00e0 Duba\u00ef n&#8217;est plus l&#8217;exception : c&#8217;est ainsi que fonctionne l&#8217;essentiel du march\u00e9.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Acheter un logement qui n&#8217;existe pas encore soul\u00e8ve toutefois des questions l\u00e9gitimes. O\u00f9 va l&#8217;argent ? Que se passe-t-il en cas de retard ? Que poss\u00e8de-t-on r\u00e9ellement avant la livraison ? Ce guide explique, \u00e9tape par \u00e9tape, le fonctionnement des projets sur plan \u00e0 Duba\u00ef en 2026 et les points \u00e0 v\u00e9rifier avant de signer.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Pourquoi acheter sur plan \u00e0 Duba\u00ef<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Acheter sur plan, c&#8217;est acheter directement aupr\u00e8s du promoteur, pendant ou m\u00eame avant la construction. Les acheteurs le choisissent g\u00e9n\u00e9ralement pour quatre raisons :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Le prix de lancement :<\/strong> les promoteurs commercialisent leurs projets par phases, et les prix augmentent g\u00e9n\u00e9ralement de 5 \u00e0 12 % d&#8217;une phase \u00e0 l&#8217;autre \u2014 davantage dans les emplacements tr\u00e8s demand\u00e9s. Acheter t\u00f4t garantit le meilleur prix.<\/li>\n\n\n\n<li><strong>Des paiements \u00e9chelonn\u00e9s :<\/strong> au lieu de r\u00e9gler la totalit\u00e9 du prix, l&#8217;acheteur paie par versements pendant la construction, selon un plan de paiement.<\/li>\n\n\n\n<li><strong>Un logement neuf :<\/strong> les derniers agencements, finitions et \u00e9quipements, avec une garantie du promoteur apr\u00e8s la livraison.<\/li>\n\n\n\n<li><strong>Le choix :<\/strong> au lancement, l&#8217;acheteur peut s\u00e9lectionner les meilleures vues, les meilleurs \u00e9tages et les plans les plus recherch\u00e9s.<\/li>\n<\/ul>\n\n\n\n<p class=\"lh-sources wp-block-paragraph\">Sources : part du march\u00e9 sur plan selon Cavendish Maxwell (T3 2026) ; tendances des plans de paiement selon Khaleej Times (janvier 2026) ; r\u00e8gles de s\u00e9questre et de protection des acheteurs issues de la loi de Duba\u00ef n\u00b0 8 de 2007 et de la loi n\u00b0 13 de 2008 modifi\u00e9e, r\u00e9sum\u00e9es par dubizzle ; enregistrement Oqood selon Sotheby&#8217;s International Realty UAE. Cet article est une information g\u00e9n\u00e9rale et ne constitue pas un conseil juridique.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Comment Duba\u00ef prot\u00e8ge les acheteurs sur plan<\/h2>\n\n\n\n<h3 class=\"wp-block-heading\">Les comptes s\u00e9questres<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">En vertu de la loi de Duba\u00ef n\u00b0 8 de 2007, chaque projet sur plan doit disposer de son propre compte s\u00e9questre, ouvert avant la vente du premier logement. L&#8217;acheteur verse les fonds sur ce compte, et non directement au promoteur, et ils ne peuvent servir qu&#8217;\u00e0 la construction de ce projet. Une partie est retenue apr\u00e8s l&#8217;ach\u00e8vement \u00e0 titre de garantie.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">L&#8217;enregistrement Oqood<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Une fois la vente sign\u00e9e, le promoteur l&#8217;enregistre aupr\u00e8s du Dubai Land Department dans le registre provisoire Oqood. Le certificat Oqood prouve votre propri\u00e9t\u00e9 pendant la construction : le logement ne peut \u00eatre vendu \u00e0 personne d&#8217;autre. \u00c0 la livraison, il est remplac\u00e9 par le titre de propri\u00e9t\u00e9.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Des promoteurs et des projets enregistr\u00e9s<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Les promoteurs doivent \u00eatre enregistr\u00e9s aupr\u00e8s du Dubai Land Department et de la RERA, et chaque projet doit \u00eatre approuv\u00e9 avant sa commercialisation. L&#8217;application du DLD permet de suivre l&#8217;avancement des travaux des projets enregistr\u00e9s.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Des r\u00e8gles en cas d&#8217;annulation<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Si un projet approuv\u00e9 est annul\u00e9, la loi impose le remboursement des sommes vers\u00e9es par les acheteurs. Duba\u00ef dispose aussi d&#8217;un comit\u00e9 d\u00e9di\u00e9 aux projets retard\u00e9s ou annul\u00e9s, qui peut les confier \u00e0 un autre promoteur.<\/p>\n\n\n\n<blockquote class=\"wp-block-quote lh-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p class=\"wp-block-paragraph\">\u00ab \u00c0 Duba\u00ef, acheter sur plan n&#8217;est pas un saut dans l&#8217;inconnu. L&#8217;argent est sur un compte s\u00e9questre, la vente est enregistr\u00e9e au Land Department, et chaque \u00e9tape est tra\u00e7able. \u00bb<\/p>\n<\/blockquote>\n\n\n\n<h2 class=\"wp-block-heading\">Les plans de paiement \u00e0 Duba\u00ef : comment \u00e7a marche<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Un plan de paiement fixe le calendrier et le montant de chaque versement. En 2026, le march\u00e9 d\u00e9laisse les longs plans post-livraison au profit d&#8217;\u00e9ch\u00e9anciers li\u00e9s \u00e0 l&#8217;avancement des travaux. Les structures les plus courantes :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>L&#8217;acompte de r\u00e9servation :<\/strong> g\u00e9n\u00e9ralement 10 \u00e0 20 % \u00e0 la signature, plus les 4 % de droits du Dubai Land Department pour l&#8217;enregistrement Oqood.<\/li>\n\n\n\n<li><strong>Les plans li\u00e9s \u00e0 la construction :<\/strong> les versements sont dus \u00e0 mesure que l&#8217;immeuble franchit des \u00e9tapes d\u00e9finies \u2014 vous payez au rythme du chantier.<\/li>\n\n\n\n<li><strong>Les plans 70\/30 et 80\/20 :<\/strong> 70 % ou 80 % pay\u00e9s pendant la construction et le solde \u00e0 la livraison \u2014 appel\u00e9s \u00e0 devenir la norme chez les grands promoteurs en 2026.<\/li>\n\n\n\n<li><strong>Les plans post-livraison :<\/strong> une partie du prix est r\u00e9gl\u00e9e apr\u00e8s la remise des cl\u00e9s, souvent sur deux \u00e0 cinq ans. Moins fr\u00e9quents qu&#8217;auparavant, et g\u00e9n\u00e9ralement \u00e0 un prix plus \u00e9lev\u00e9.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Les plans varient d&#8217;un projet \u00e0 l&#8217;autre : comparez toujours l&#8217;\u00e9ch\u00e9ancier complet, pas seulement l&#8217;acompte. D\u00e9couvrez nos <a href=\"https:\/\/reluxeharmony.com\/projects\/\">projets immobiliers sur plan \u00e0 Duba\u00ef<\/a> et lisez notre <a href=\"https:\/\/reluxeharmony.com\/fr\/guide-pour-soumettre-une-eoi-avant-le-lancement\/\">guide pour soumettre une EOI avant un lancement<\/a> afin d&#8217;obtenir un acc\u00e8s prioritaire aux meilleurs logements.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Sur plan ou cl\u00e9s en main : que choisir ?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Les deux ont leur place. Le bon choix d\u00e9pend du moment o\u00f9 vous avez besoin du bien et de la fa\u00e7on dont vous pr\u00e9f\u00e9rez payer :<\/p>\n\n\n\n<div class=\"lh-compare\">\n  <div class=\"lh-col\">\n    <div class=\"lh-col-title\">Sur plan<\/div>\n    <div class=\"lh-row\"><span class=\"lh-label\">Prix<\/span><span class=\"lh-val\">Prix de lancement, souvent inf\u00e9rieur \u00e0 la revente<\/span><\/div>\n    <div class=\"lh-row\"><span class=\"lh-label\">Paiement<\/span><span class=\"lh-val\">\u00c9chelonn\u00e9 pendant la construction<\/span><\/div>\n    <div class=\"lh-row\"><span class=\"lh-label\">Emm\u00e9nager \/ louer<\/span><span class=\"lh-val\">Apr\u00e8s la livraison, en g\u00e9n\u00e9ral 2 \u00e0 4 ans<\/span><\/div>\n    <div class=\"lh-row\"><span class=\"lh-label\">Id\u00e9al pour<\/span><span class=\"lh-val\">La plus-value et la souplesse de paiement<\/span><\/div>\n  <\/div>\n  <div class=\"lh-col\">\n    <div class=\"lh-col-title\">Cl\u00e9s en main<\/div>\n    <div class=\"lh-row\"><span class=\"lh-label\">Prix<\/span><span class=\"lh-val\">Prix actuel du march\u00e9<\/span><\/div>\n    <div class=\"lh-row\"><span class=\"lh-label\">Paiement<\/span><span class=\"lh-val\">En totalit\u00e9 au transfert<\/span><\/div>\n    <div class=\"lh-row\"><span class=\"lh-label\">Emm\u00e9nager \/ louer<\/span><span class=\"lh-val\">Imm\u00e9diatement<\/span><\/div>\n    <div class=\"lh-row\"><span class=\"lh-label\">Id\u00e9al pour<\/span><span class=\"lh-val\">Habiter ou louer d\u00e8s maintenant<\/span><\/div>\n  <\/div>\n<\/div>\n\n\n\n<h2 class=\"wp-block-heading\">Cinq v\u00e9rifications avant d&#8217;acheter sur plan<\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>L&#8217;historique du promoteur :<\/strong> examinez ses projets achev\u00e9s, ses d\u00e9lais de livraison et la qualit\u00e9 des immeubles d\u00e9j\u00e0 livr\u00e9s.<\/li>\n\n\n\n<li><strong>L&#8217;enregistrement du projet :<\/strong> v\u00e9rifiez que le projet est enregistr\u00e9 aupr\u00e8s du Dubai Land Department et dispose d&#8217;un compte s\u00e9questre \u2014 et ne payez que sur ce compte.<\/li>\n\n\n\n<li><strong>Le contrat de vente (SPA) :<\/strong> lisez la date de livraison, le d\u00e9lai de gr\u00e2ce, les sp\u00e9cifications et les p\u00e9nalit\u00e9s pr\u00e9vues de part et d&#8217;autre.<\/li>\n\n\n\n<li><strong>L&#8217;\u00e9ch\u00e9ancier complet :<\/strong> connaissez chaque versement et son d\u00e9clencheur. Si l&#8217;acheteur cesse de payer, le promoteur peut r\u00e9silier et conserver jusqu&#8217;\u00e0 25 % ou 40 % du prix, selon l&#8217;avancement des travaux.<\/li>\n\n\n\n<li><strong>Le co\u00fbt total :<\/strong> ajoutez au prix d&#8217;achat les 4 % de droits DLD, les frais d&#8217;enregistrement et les futures charges de service.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Le fil conducteur est clair : l&#8217;achat sur plan est aujourd&#8217;hui la norme \u00e0 Duba\u00ef, et les r\u00e8gles qui l&#8217;encadrent comptent parmi les plus structur\u00e9es de la r\u00e9gion. Tout l&#8217;enjeu est de choisir le bon promoteur, le bon emplacement et le bon plan de paiement \u2014 en sachant exactement ce que l&#8217;on signe. Pour choisir un quartier, lisez <a href=\"https:\/\/reluxeharmony.com\/fr\/blogs\/metro-dubai-ligne-bleue-ligne-or-ou-acheter\/\">o\u00f9 acheter le long des nouvelles lignes de m\u00e9tro<\/a> ou <a href=\"https:\/\/reluxeharmony.com\/fr\/blogs\/1-million-euros-dubai-paris-cote-azur\/\">ce que 1 million d&#8217;euros permet d&#8217;acheter \u00e0 Duba\u00ef<\/a>. Si vous avez besoin d&#8217;un logement d\u00e8s maintenant, nos <a href=\"https:\/\/reluxeharmony.com\/fr\/ready-to-move\/residentiel\/\">biens cl\u00e9s en main<\/a> sont l&#8217;alternative.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Questions fr\u00e9quentes<\/h2>\n\n\n\n<div class=\"schema-faq wp-block-yoast-faq-block\"><div class=\"schema-faq-section\" id=\"faq-question-1793000000101\"><strong class=\"schema-faq-question\">Est-il s\u00fbr d&#8217;acheter sur plan \u00e0 Duba\u00ef ?<\/strong> <p class=\"schema-faq-answer\">L&#8217;achat sur plan \u00e0 Duba\u00ef est encadr\u00e9. Les versements de l&#8217;acheteur sont d\u00e9pos\u00e9s sur un compte s\u00e9questre propre au projet, utilisable uniquement pour la construction ; la vente est enregistr\u00e9e au Dubai Land Department via Oqood ; et promoteurs et projets doivent \u00eatre enregistr\u00e9s avant toute vente. V\u00e9rifier l&#8217;historique du promoteur reste indispensable.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1793000000102\"><strong class=\"schema-faq-question\">Qu&#8217;est-ce que l&#8217;Oqood \u00e0 Duba\u00ef ?<\/strong> <p class=\"schema-faq-answer\">L&#8217;Oqood est le registre provisoire du Dubai Land Department pour les ventes sur plan. Le promoteur y enregistre votre achat et vous recevez un certificat Oqood, preuve de votre propri\u00e9t\u00e9 pendant la construction. Il est remplac\u00e9 par le titre de propri\u00e9t\u00e9 \u00e0 la livraison.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1793000000103\"><strong class=\"schema-faq-question\">Quel apport faut-il pour acheter sur plan \u00e0 Duba\u00ef ?<\/strong> <p class=\"schema-faq-answer\">La plupart des promoteurs demandent 10 \u00e0 20 % du prix \u00e0 la signature, plus les 4 % de droits du Dubai Land Department. Le solde est r\u00e9gl\u00e9 selon le plan de paiement du projet, souvent 70\/30 ou 80\/20 en 2026.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1793000000104\"><strong class=\"schema-faq-question\">Peut-on revendre un bien sur plan avant la livraison ?<\/strong> <p class=\"schema-faq-answer\">Oui, dans de nombreux projets, une fois les conditions du promoteur remplies \u2014 en g\u00e9n\u00e9ral apr\u00e8s le paiement d&#8217;un pourcentage d\u00e9fini du prix. Le transfert est enregistr\u00e9 au Dubai Land Department et le promoteur peut facturer des frais : v\u00e9rifiez le contrat de vente.<\/p> <\/div> <\/div>\n\n\n\n<div class=\"lh-cta\">\n  <div class=\"lh-cta-title\">Vous cherchez le bon projet sur plan ?<\/div>\n  <p class=\"lh-cta-text\">Luxe Harmony vous aide \u00e0 comparer promoteurs, plans de paiement et prix de lancement, et vous accompagne de l&#8217;EOI jusqu&#8217;\u00e0 la livraison.<\/p>\n  <div class=\"lh-cta-buttons\">\n    <a class=\"lh-btn lh-btn-primary\" href=\"https:\/\/reluxeharmony.com\/fr\/contact\/\">R\u00e9server une consultation gratuite<\/a>\n    <a class=\"lh-btn lh-btn-outline\" href=\"https:\/\/api.whatsapp.com\/send\/?phone=971582326059&amp;text&amp;type=phone_number&amp;app_absent=0\" target=\"_blank\" rel=\"noopener\">Appel \/ WhatsApp<\/a>\n  <\/div>\n<\/div>\n\n\n\n<div class=\"lh-author\">\n  <img decoding=\"async\" class=\"lh-logo\" src=\"https:\/\/reluxeharmony.com\/wp-content\/uploads\/2023\/12\/LH-LOGO-FINAL-23-01-1024x471.png\" alt=\"Luxe Harmony logo\" width=\"122\" height=\"56\" style=\"height:56px;width:auto;display:block;flex:0 0 auto;\">\n  <div>\n    <div class=\"lh-name\">Luxe Harmony<\/div>\n    <div class=\"lh-role\">Agence immobili\u00e8re, Duba\u00ef<\/div>\n  <\/div>\n<\/div>\n<\/div><\/div>\n","protected":false},"excerpt":{"rendered":"<p>72 % des ventes \u00e0 Duba\u00ef se font d\u00e9sormais sur plan. Plans de paiement, compte s\u00e9questre, enregistrement Oqood : le fonctionnement en 2026 et cinq v\u00e9rifications avant de signer.<\/p>\n","protected":false},"author":2,"featured_media":58577,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1091],"tags":[],"class_list":["post-58580","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-guides-dachat"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.8 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Acheter sur plan \u00e0 Duba\u00ef : le guide 2026<\/title>\n<meta name=\"description\" content=\"Acheter sur plan \u00e0 Duba\u00ef en 2026 : plans de paiement, compte s\u00e9questre, enregistrement Oqood et v\u00e9rifications \u00e0 faire avant de signer.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" 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Les versements de l'acheteur sont d\u00e9pos\u00e9s sur un compte s\u00e9questre propre au projet, utilisable uniquement pour la construction ; la vente est enregistr\u00e9e au Dubai Land Department via Oqood ; et promoteurs et projets doivent \u00eatre enregistr\u00e9s avant toute vente. V\u00e9rifier l'historique du promoteur reste indispensable.","inLanguage":"fr-FR"},"inLanguage":"fr-FR"},{"@type":"Question","@id":"https:\/\/reluxeharmony.com\/fr\/blogs\/acheter-sur-plan-dubai-guide\/#faq-question-1793000000102","position":2,"url":"https:\/\/reluxeharmony.com\/fr\/blogs\/acheter-sur-plan-dubai-guide\/#faq-question-1793000000102","name":"Qu'est-ce que l'Oqood \u00e0 Duba\u00ef ?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"L'Oqood est le registre provisoire du Dubai Land Department pour les ventes sur plan. Le promoteur y enregistre votre achat et vous recevez un certificat Oqood, preuve de votre propri\u00e9t\u00e9 pendant la construction. 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