✦ Interest-Free Ownership Plan

Your Path to
Full Ownership

From the first riyal you pay to the moment you receive the key — every step is clear and guaranteed. A flexible payment plan with 0% interest over 40 months.

0%
Interest Rate
40
Months
100%
Full Ownership

From Booking to Key Handover

Four clear stages guide you to full ownership — each designed to be simple and secure.

🔑
Stage One

Reservation Deposit

OMR 500

Secure your unit and lock in the price.

A simple deposit locks the unit in your name and protects you from any future price increases. This amount is deducted from your first payment.
📋
Stage Two

Contract & First Payment

20% of Value

Sign the official sales contract — you own 20%.

The official contract is signed and 20% of the unit value is paid. The reservation deposit counts toward this payment. From this moment, you own 20%.
📈
Stage Three

Building Equity

40 Months

Every installment brings you closer to full ownership.

Choose between monthly or quarterly installments. Each payment increases your equity from 20% to 100%. No interest — you pay only the unit price.
🏠
Final Goal

Key Handover

100% Ownership

Last payment = the key is in your hands.

After completing all installments, you receive 100% ownership with zero remaining debt. The key is yours.

Watch Your Ownership Grow

Every payment adds to your equity — from 20% at signing to 100% at handover.

20%

Choose the Payment Style That Fits You

Two flexible models reaching the same goal — the only difference is your cash-flow rhythm.

Same total cost — both models reach 100% ownership at the same price. The only difference is how you manage your cash flow.

Model One

Monthly Installments

Ideal for salaried professionals with regular income

Payment FrequencyOnce per month
Installment Rate2% of unit price
Number of Installments40 installments
Total Duration40 months
Interest0% — Interest-free

Calculation Example

For a unit priced at OMR 25,000
500
OMR / month
Unit PriceOMR 25,000
First Payment (20%)OMR 5,000
Remaining (80%)OMR 20,000
Monthly Installment (2%)OMR 500
Model Two

Quarterly Installments

Ideal for business owners and investors

Payment FrequencyOnce every 3 months
Installment Rate6% of unit price
Number of Installments13 installments + final
Total Duration40 months
Interest0% — Interest-free

Calculation Example

For a unit priced at OMR 25,000
1,500
OMR / quarter
Unit PriceOMR 25,000
First Payment (20%)OMR 5,000
Remaining (80%)OMR 20,000
Quarterly Installment (6%)OMR 1,500

Calculate Your Installments Instantly

Enter the unit price and see your complete financial plan.

Payment Plan Calculator

Enter the unit price in Omani Rials

Benefits Designed for You

A plan built to be fair, transparent, and flexible.

0% Interest — Real Savings

With traditional bank financing, interest can exceed 20–30% of the property value. Here you pay only the price — not a single riyal more.

Your Deposit Protects You

Just OMR 500 locks in the price and secures the unit in your name — protection against any future price increases.

Same Destination, Different Paths

Both models reach 100% ownership at the same total cost. The choice depends only on your income style.