Can I refinance or release equity on an off-plan property at handover?

Some UAE banks offer buyout-plus-equity programmes once your off-plan property completes and is titled with the DLD. You can refinance the developer payment plan into a standard mortgage and, if the value has risen, release equity at the same time. Approval typically takes 4 to 6 weeks, and some banks require the property held for 12 months first.