Whether you own it today, are buying, or are close to handover, the structure is the same: a real estate transaction, with a fixed right to buy back within two years.
Turn a property you already own into cash, without giving up the right to get it back. Alma buys it at an agreed price, you receive the funds, and you keep a fixed option to repurchase within two years.
Take the example of an apartment worth AED 2,000,000.
Alma buys it and pays you in cash. Alma covers the 4% DLD fee at transfer.
AED 1,000,000 to youLease it back and keep living there, or move out and let Alma rent it.
AED 140,000 / yearRepurchase at the fixed price any time within two years. You cover the DLD fee at buy-back.
AED 1,200,000If you choose not to repurchase within two years, Alma keeps the property. Every figure is agreed before you commit.
Buy a property in Dubai without going through a bank. You put in your share, Alma completes the purchase and holds title, and you take full ownership within two years at a price set today.
You want a home worth AED 2,000,000 and have half the amount ready.
You pay your share, Alma adds the rest and buys the property. Title is held by Alma.
AED 1,000,000 from youLive in the property on a lease, or let Alma rent it out while you prepare.
AED 140,000 / yearBuy it from Alma within two years at the price agreed up front.
AED 1,200,000In this example the total to own a AED 2,000,000 home is AED 2,200,000, set from day one. Figures are illustrative.
Approaching handover but unable to complete the final payment? If the payment is missed, the developer can cancel the contract and a large part of what you have already paid is at risk. Alma settles the outstanding balance and protects the unit.
the project is at the handover stage, with the final payment due to collect the keys.
at least 50% of the purchase price has already been paid to the developer.
Project, unit and current payment status. It takes a few minutes.
We check the project and the payment schedule against our criteria.
If the case qualifies, Alma pays the remaining balance and takes title at handover.
Buy the unit back within two years at agreed terms, with clear exit options throughout.
Alma settles the balance with the developer and keeps the unit protected from default, so you do not lose the contract.
Keep the value you have already paid into the project, instead of risking a large part of it.
The assessment is built around the unit and the project, not lengthy paperwork or approvals.
Initial review usually within 24 to 48 hours, so you know where you stand quickly.
From valuation to buy-back, the common questions are answered in one place.
