5 Best Luxury Apartments in Business Bay With Affordable Payment Plan in 2025
Luxury is no longer about just owning a big apartment or having shiny fittings. In Business Bay, luxury means comfort, convenience, and a complete lifestyle. It includes great views, stylish interiors, smart layouts, and services that make life easier. Most importantly, it is about living in a location that connects you to everything like work, shopping, restaurants, and relaxation.
Many people believe luxury is out of reach, but that’s not always true. Today, developers are offering luxury apartments in Business Bay with affordable payment plans. This means you can live in a high-end home without paying everything up front.
In 2025, this trend is growing fast, giving smart buyers access to some of the best value high-end apartments in the city.
1. V-Suites by ANAX Developments (Off-Plan, Launching 2025)
V-Suites is a fully branded executive residence by ANAX Developments, located in the heart of Business Bay, just steps from the Dubai Canal. This development blends high-end Italian interiors, smart home automation, and a lifestyle tailored for forward-thinking professionals.
The tower features fully furnished Executive, Signature, and Sterling Suites, along with a limited edition villa unit, offering open layouts, floor-to-ceiling windows, and bespoke Italian finishes. These residences are not just built for comfort, but also for convenience, with access to rooftop leisure areas, co-working spaces, wellness zones, and five-star-inspired amenities.
What sets V-Suites apart is its structured yet flexible post-handover payment plan. Buyers can secure a unit with just 10% down, followed by staged milestone payments, and complete the remaining 50% over 5 years post-handover.
This makes V-Suites one of the most compelling freehold investment opportunities in Business Bay for both end-users and investors seeking luxury, lifestyle, and long-term value.
Read More: 5 Best Off-Plan Properties in Business Bay for Investment
V- Suites Payment Plan - 30 / 20 / 50
DURING CONSTRUCTION / ON HANDOVER / 5 YEAR POST-HAND OVER
MILESTONE | PAYMENT |
| On Booking | 10% |
| Within 30 days of booking | 10% + 4% DLD Fee |
| Within 6 months of booking | 5% |
| Within 12 months of booking | 5% |
| On Completion | 20% |
| 5 Year Post Hand Over | 50% |
2. Paramount Tower Hotel & Residences by DAMAC (Ready to Move)
Paramount Tower Residences by DAMAC brings a touch of Hollywood glamor to the city. Inspired by the Paramount brand, the tower includes hotel-style services, designer interiors, and top-tier leisure spaces like a rooftop pool and spa.
These luxury apartments in Business Bay come fully furnished and are ready for immediate move-in. DAMAC offers affordable payment plans for properties in Business Bay, even for ready units. Some deals include post-handover payments, allowing you to own a home while spreading the cost over time.
If you are looking for the best value high-end apartments that offer both comfort and rental potential, Paramount Tower is a solid pick.
Read More: How the 30/70 Payment Plan Work in Dubai
Paramount Tower Hotel & Residences - Payment Plan
Milestone | Payment |
| Immediate Booking | 24% |
| 1st Installement | 10% |
| 2nd Installement | 10% |
| 3rd Installement | 10% |
| 4th Installement | 10% |
| 5th Installement | 10% |
| 6th Installement | 10% |
| 7th Installement | 10% |
| 8th Installement | 10% |
3. The Quayside by Ellington (Off-Plan, Under Construction)
Ellington Properties is known for artistic design and detail, and The Quayside is no exception. This off-plan project is located in the heart of Business Bay and focuses on wellness, natural light, and modern living. Units include 1, 2, and 3-bedroom homes with clean layouts and high-quality materials.
The developer offers flexible options, making it one of the best apartments in Business Bay with flexible payment plans. You can choose to pay a large portion during construction and the rest after handover.
For people looking to buy luxury apartments in Business Bay without the pressure of paying upfront, The Quayside provides a balanced solution.
This is also a great option for long-term investors who want to own in a thoughtfully designed community.
Read More: How to Apply Off-Plan Mortgage in Dubai
The Quayside by Ellington - Payment Plan
| Milestone | Payment |
| At the time of booking | 20% |
| 30 days after the reservation date | 10% |
| 90 days after the reservation date | 10% |
| 150 days after the reservation date | 5% |
| 240 days after the reservation date | 5% |
| On completion of 30% construction of the project | 5% |
| On completion of 40% construction of the project | 5% |
| On completion of 50% construction of the project | 5% |
| On completion of 60% construction of the project | 5% |
| On completion | 30% |
4. The Pad by Omniyat (Ready to Move)
Known for its unique tilt and futuristic design, The Pad is one of the most artistic towers in Business Bay. The building is already complete and features smart-home systems, LED lighting, and custom interiors. Residents enjoy access to gyms, pools, and co-working spaces that support both work and lifestyle.
Although this is a ready project, developers and sellers sometimes offer affordable payment plans for properties in Business Bay, especially during property exhibitions or promotions. If you want a home that stands out from the usual designs, The Pad gives you both creativity and comfort.
This tower remains a favorite among buyers who want something different in the Business Bay luxury property category.
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The Pad by Omniyat – Payment Plan
Milestone | Payment |
| Down Payment | 10% |
| On Handover | 90% |
5. Chic Tower by DAMAC (Nearing Completion)
Chic Tower is located on the waterfront and focuses on wellness. The design includes elements like healing salt rooms, calming pools, and spa-like features built into the residential experience. These units offer stylish finishes, open balconies, and large living spaces.
DAMAC is offering apartments with affordable payment plans, including 5-year installment plans through developer partnerships. This makes Chic Tower one of the top choices for people looking to live well while also managing their finances wisely.
With its mix of health-focused living and luxury design, Chic Tower is a great choice in the growing list of Business Bay luxury property options.
Read More:
Option-1 Attractive 80/20 - Installments Payment Plan
Installment | Payment | Milestone |
| Down Payment | 20% | On Booking Date |
| 1st Installment | 6% | Within 3 months from booking date |
| 2nd Installment | 6% | Within 6 months from booking date |
| 3rd Installment | 6% | Within 9 months from booking date |
| 4th Installment | 6% | Within 12 months from booking date |
| 5th Installment | 6% | Within 15 months from booking date |
| 6th Installment | 6% | Within 18 months from booking date |
| 7th Installment | 6% | Within 21 months from booking date |
| 8th Installment | 6% | Within 24 months from booking date |
| 9th Installment | 4% | On 70% of Project Completion |
| 10th Installment | 4% | On 80% of Project Completion |
| 11th Installment | 4% | On 90% of Project Completion |
| Final Installment | 20% | On Completion |
Option-2 Attractive Installments Payment Plan
Installment | Payment | Milestone |
| Down Payment | 20% | On Purchase Date |
| 1st to 4th Installment | 12% | Within 12 months from booking date (3% quarterly) |
| 5th to 6th Installment | 8% | Within 18 months from booking date (4% quarterly) |
| 7th to 10th Installment | 20% | Within 30 months from booking date (5% quarterly) |
| Final Installment | 40% | On Completion |
Tips to Make the Most of Payment Plans
Buying luxury does not always mean paying all at once. Here are some practical tips:
- Ask about post-handover plans: Some developers let you pay after moving in.
- Check if DLD fees are covered: Developers may offer to pay the Dubai Land Department fee as part of a promotion.
- Compare payment terms: Some plans are 50-50, others offer 60-40 or 70-30. Choose what fits your cash flow.
- Look for early launch offers: New off-plan projects often come with the best payment terms in the beginning.
- Confirm the payment milestones: Understand exactly when and how much you’ll need to pay at each stage.
If you are focused on buying luxury apartments in Business Bay, understanding payment structures can make a big difference in choosing the right property.
Conclusion
Business Bay is still one of Dubai’s most active and in-demand areas for real estate. From high-rise towers to branded residences, there is no shortage of luxury. But what is changing is the way people can afford to buy.
Thanks to flexible offers and structured plans, buyers now have access to luxury apartments in Business Bay with real financial comfort.
Whether you are looking for a branded home like V-Suites by ANAX Developments or a ready-to-move-in unit like The Pad, 2025 offers exciting choices. With the right guidance and a smart payment plan, your dream home in Business Bay might be closer than you think.
FAQs
Is Business Bay overpriced for buyers in 2025?
Business Bay is competitive but still offers better ROI than many central Dubai areas. You are paying for location, amenities, and high rental demand. It is not cheap, but the value is often worth it.
Are affordable payment plans really available for luxury apartments?
Yes. Many developers now offer 3- to 7-year plans for both off-plan and ready properties. These apartments with affordable payment plans help buyers spread costs and manage budgets better.
Which is better: ready or off-plan apartments?
Ready apartments give instant rental income. Off-plan units offer lower prices and better payment terms. The best choice depends on your financial goals and timeline.
What are the best apartments in Business Bay with flexible payment plans?
Projects like V-Suites by ANAX, Chic Tower, and The Quayside currently offer great flexibility, making them excellent options for buyers.
Can foreigners buy luxury apartments in Business Bay?
Yes. Business Bay is a freehold area. This means people of all nationalities can own property there with full ownership rights.