Off-plan means buying directly from the developer before or during construction, normally against a staged payment plan. In Dubai these purchases are registered with the Dubai Land Department and buyer funds go into a project escrow account.
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Yes, in designated freehold areas foreign nationals can buy off-plan property in their own name and register it with the Dubai Land Department.
Initial down payments commonly start around 10-20% of the price, followed by staged construction payments. Exact terms are set by each developer and stated in the project payment plan.