New Projects in Ajman

Everything You Need to Know About Off-Plan Property in Ajman

Ajman’s off-plan property market is experiencing steady growth, driven by affordable pricing, flexible payment plans, and increased developer activity. As one of the UAE’s most budget-friendly emirates, Ajman attracts investors and end-users looking for value-driven real estate opportunities. The market offers a mix of apartments and villas in master-planned communities, many of which are freehold zones accessible to foreign buyers. Enhanced infrastructure, waterfront developments, and proximity to Dubai further boost demand. 

Top Locations for Buying Off-Plan Property in Ajman

Ajman offers a variety of locations for off-plan investments, ranging from waterfront apartments to villa communities with serene surroundings.

Top Areas to Buy Off-Plan Apartment Projects in Ajman

• Al Zorah: Features developments like The Shores and Seaside Hills, offering a blend of modern living and scenic views.
• Al Rashidiya: A well-established residential hub, home to projects such as Ajman One Phase 2 and Oasis Towers.
• Al Nuaimiya: Al Nuaimiya 1 offers affordable apartment options, including Nuaimia Two Tower, situated close to key urban amenities.
• Ajman Free Zone: A freehold area featuring Ajman Creek Towers, offering scenic water views and prime investment opportunities.

Top Areas to Buy Off-Plan Villa Projects in Ajman

• Beach Village: Positioned along the coast, Beach Hills Villas offer exclusive beachfront living with modern amenities.
• Al Zorah: Home to Sea Glints Mansions, this district offers high-end villas with stunning golf course and sea views.
• Al Amerah: Developments like Azha Community are shaping this area into a well-planned, family-friendly residential hub.

Freehold Areas for Expats

• Ajman Free Zone
• Al Zorah
• Al Nuaimiya
• Al Rashidiya
• Al Amerah

Top Projects for Buying Off-Plan Property in Ajman

Top Luxury Off-Plan Projects in Ajman

• Sea Glints Mansions: A prestigious beachfront development by Solidere International, Sea Glints Mansions offers exclusive villas starting from AED 29.5M. With a 30/70 payment plan, handover is scheduled for Q1 2026.
• Beach Hills Villas: Another luxury offering by Solidere International, Beach Hills Villas are priced from AED 9.25M. The project provides a 50/50 payment plan, with handover set for Q4 2025.
• Sealine Residence: Developed by Al Zorah, Sealine Residence is a waterfront project with units starting from AED 1.42M. Offering a 50/50 payment plan, completion is expected in Q1 2026.

Top Affordable Off-Plan Projects Ajman

• Kentia: Located in the vibrant Al Amerah area, Kentia by GJ Properties offers units starting from AED 172K. The project includes a flexible 100/0 payment plan, with handover expected in Q3 2025.
• Ajman One Phase 2: Positioned strategically between Sharjah and Ajman, Ajman One Phase 2, developed by Aqaar Developments, is set for handover in Q4 2026. Prices start from AED 299K, with a flexible payment plan available.
• BlueBell Residence: Developed by GJ Properties, BlueBell Residence offers units starting from AED 496K. The project features a 100/0 payment plan, with handover scheduled for Q4 2026.
• Oasis Tower 3: Oasis Tower 3 by GJ Properties offers spacious apartments starting from AED 591K. The project follows a 5/95 payment plan, with handover expected in Q4 2027.

Top Off-Plan Projects Near Landmarks in Ajman

• Seaside Hills: Brought to you by Solidere International, this upscale development near the UAE Pygmy Zoo offers waterfront living with units starting from AED 1.28M. With a 50/50 payment plan, completion is set for Q4 2025
• Ajman Creek Towers: Located next to Al Safia Park, this GJ Properties development combines comfort and convenience, with prices from AED 630K. The project follows a 100/0 payment plan, with handover expected in Q4 2026.
• Nuaimia Two Tower: Another project by GJ Properties, positioned close to Flag Park, offering well-designed residences with handover scheduled for 2026. This project also follows a 100/0 payment structure.

Top Off-Plan Projects with Waterfront Views in Ajman

• Sea Glints Mansions: Ultra-luxury 5-bedroom beachfront villas in Al Zorah, offering direct access to white sandy beaches for an exclusive living experience.
• Sealine Residence: 1 to 3-bedroom apartments and 4-bedroom penthouses with unobstructed sea views, seamless access to marinas, golf courses, and leisure facilities.
• Seaside Hills: 1 to 3-bedroom apartments and 4-bedroom penthouses located in The Shores, Al Zorah. Residents will enjoy a peaceful coastal setting near the UAE Pygmy Zoo.
• Ajman Creek Towers: 1 and 2-bedroom waterfront apartments in Ajman Free Zone, close to retail outlets, schools, and major road networks.

Leading Developers Behind Ajman’s Newest Projects

• Solidere International: Known for luxurious developments such as Sea Glints Mansions and Seaside Hills.
• GJ Properties: Offering affordable and mid-range options, including Kentia, BlueBell Residence, and Ajman Creek Towers.
• Aqaar Developments: Focused on landmark projects like Ajman One Phase 2.
• FAM Holding: Offers a variety of residential and commercial projects.

Benefits of Buying an Off-Plan Property in Ajman

• Affordable Entry Point: Off-plan properties in Ajman start from as low as AED 172K, making them more accessible than neighbouring emirates.
• Flexible Payment Plans: Developers often offer attractive 5 to 7-year post-handover payment options, reducing upfront financial burden.
• High ROI Potential: Ajman’s growing popularity and rising rental demand translate to strong return on investment, especially in well-connected areas.
• Customisation Options: Buyers may have the chance to influence interior finishes, layouts, and upgrades before project completion.
• Capital Appreciation: Early investment in developing areas allows buyers to benefit from long-term property value appreciation.
• Freehold Ownership for Expats: Several zones offer freehold status, allowing expats to own property outright in select areas.

Exploring Off-Plan Property Payment Plans in Ajman

Off-plan properties in Ajman are typically offered with structured payment plans spread across construction and handover phases. These plans usually involve paying 10–20% upfront, followed by instalments during development, and a final payment at completion. Post-handover payment options are also available for selected projects. Developers such as GJ Properties and Solidere International provide flexible payment plans.

Can You Get a Mortgage for Off-Plan Properties in Ajman?

Mortgages for off-plan properties in Ajman are available through select banks and financial institutions, provided certain criteria are met. Buyers usually need to make an initial down payment, with the remaining amount financed during or after project completion. Approvals depend on the project and developer being registered and approved by the bank, in line with UAE Central Bank regulations. 

How to Buy an Off-Plan Property in Ajman

Process

• Research & Select a Property: Choose a project based on location, budget, and developer reputation. Bayut can help compare verified listings.
• Verify Developer & Project: Check Department of Land and Real Estate Regulation, project approvals, and escrow account setup.
• Reserve the Unit: Pay a booking fee (5–10%) and sign the Sales and Purchase Agreement (SPA).
• Follow Payment Plan: Make instalments as per the agreed schedule, often linked to construction stages.
• Handover & Title Transfer: Complete final payment and receive the title deed through ARRA.

Essential Documents

• Residents: Emirates ID, passport, visa, SPA, and payment receipts.
• Non-Residents: Passport, proof of funds, and developer approval.
• Mortgage Buyers: Bank pre-approval and supporting documents.

Fees

• Citizens & GCC: 2% of property value or AED 2,500 minimum.
• Non-Citizens: 3% or AED 3,000 minimum.
• No Objection for Common Land: AED 5,000.
• Government Housing Registration: AED 3,000 (property)
• Agency Fees: 2-3%
• Title Deed Certificate: AED 350
• Land Ownership (Non-Citizens): Min AED 10,000 (based on land area/type).

Legal Aspects & Regulations

• ARRA Registration: Mandatory for all off-plan projects.
• Resale Rules: Some projects limit resale before certain construction stages.
• Buyer Protection: ARRA oversees compliance and dispute resolution.