Payment Plan

Modon lists Wadeem Gardens on a 25/75 payment plan with handover in Q2 2031 and has not published the installment dates. In dirhams, 25% of a 4-bedroom villa is AED 2,175,000 and the remaining 75% is AED 6,525,000.

Modon's factsheet gives one payment plan for all three Wadeem Gardens villas, 25/75, and one handover, Q2 2031. As of Nov 12, 2026 it has published nothing more: no booking amount, no installment dates and no milestone list.

The amounts below are our own arithmetic on Modon's starting prices. A villa priced above its type's starting price costs proportionally more.

	Share	4-bedroom	5-bedroom	6-bedroom
Starting price	100%	AED 8,700,000	AED 10,200,000	AED 11,600,000
First part of the plan	25%	AED 2,175,000	AED 2,550,000	AED 2,900,000
Second part of the plan	75%	AED 6,525,000	AED 7,650,000	AED 8,700,000
Paid before you may resell	20%	AED 1,740,000	AED 2,040,000	AED 2,320,000
The final payment at handover	5%	AED 435,000	AED 510,000	AED 580,000
Abu Dhabi transfer fee	2%	AED 174,000	AED 204,000	AED 232,000

What the two numbers are

A plan written as 25/75 usually means 25% during construction and 75% at handover. Modon's page does not spell that out, and two of its own statements suggest the split is not that simple.

The first is in the launch release: the rebate for UAE nationals is "equivalent to the final 5% payment due at handover". So at least one buyer payment of 5% falls at handover.

The second is in the finance agreement with ADIB of July 2026, which describes "a 15% payment plan during the construction phase and a further 5 to 10% payment upon handover", with the bank financing up to 75%.

Put together, we think the 25 is the buyer's own money (about 20% during construction and 5% at handover) and the 75 is the share ADIB can finance, drawn during construction and not simply a balloon due in 2031. That is our reading, not Modon's wording. The resale rule fits it: Modon's FAQ allows a resale once "at least 20% of the total purchase price has been paid", which is the point at which the construction payments would be complete.

A different plan on a broker's listing

Homes.me's project page, run by the broker Emigeo, showed a 5 / 40 / 55 plan for Wadeem Gardens on Nov 12, 2026: 5% on booking, 40% during construction and 55% on handover. Its own launch page shows Modon's 25/75. Modon's site shows only 25/75.

We think both may exist, one for buyers paying cash and one for buyers using the bank, but Modon has not said so in public. On the 4-bedroom villa's starting price the difference is large: 45% before handover is AED 3,915,000, against AED 2,175,000 for 25%. Ask Modon which plan your offer is on, and get the installment dates in the sale agreement.

The length of the plan

From the Sep 30, 2026 launch to the end of Q2 2031 is 57 months. Q2 2031 is the latest handover among the communities Modon lists on Hudayriyat Island: Hudayriyat Golf Estates, launched three months earlier, is due in Q3 2030 on a 40/60 plan, and Bashayer is on 50/50.

Wadeem Gardens asks for the smallest share before handover of any of them and takes the longest to arrive. For a buyer that is a trade of time for cash. For a buyer financing 75%, it also means the bank's money is drawn years before the keys, so ask ADIB when profit payments begin (ADIB Off-Plan Finance).

On top of the price

Registering a purchase in Abu Dhabi costs 2% of the price, by Modon's own guide to fees, which also notes that "developer promotions may sometimes cover or reduce transfer costs for off-plan units". Modon has announced no such promotion for Wadeem Gardens. The same guide puts the title deed fee at AED 1,000 to AED 1,500.