Apartments for sale with a 10% down payment and the rest in installments in the Sultanate of Oman

A number of current projects in the Sultanate of Oman allow entry with a low down payment of only 10% of the unit price, with the remaining amount paid in installments until the delivery date. The actual value of this down payment in Omani rials varies from one project to another depending on the entry price, and ranges approximately between 4,900 OMR in Wahat Al Sarouj and 13,400 OMR in Vistal. Here, we present each project with its actual down payment in numbers, not just a general percentage.

Vistal Al Mouj Project

Vistal Project offers a payment plan starting with a 10% down payment at prices starting from 134,000 OMR, followed by a second 10% payment at later stages, and a final 30% payment upon property delivery and transfer of ownership, with 0% interest. Project prices start from 134,000 OMR in a location just steps from Al Mouj Marina Muscat and its beaches.

Wahat Al Sarouj Project

The entry price in Wahat Al Sarouj starts from 49,000 OMR, making the 10% down payment about 4,900 OMR only, the lowest among the projects listed in this guide. The remaining 90% is paid in multiple installments over 3 years according to construction stages, until property delivery.

Al Ahlam District Project

Al Ahlam District Project, specializing in luxury villas (3 bedrooms, private garden), starts from 182,000 OMR, with a 10% down payment equivalent to about 18,200 OMR, followed by 90% paid in installments until the delivery date in December 2027.

Muscat Bay Project

The entry price in Muscat Bay starts from 61,000 OMR, with a 10% down payment upon reservation (about 6,100 OMR), followed by a 22.5% payment after 6 months, and a final 22.5% payment after 24 months from the first payment, coinciding with the expected delivery in Q3 2027.

Raya Project (Jebel Sifah)

Raya Project in Jebel Sifah offers luxury villas in traditional Omani style, with a 10% down payment, followed by 90% paid in quarterly installments of 7.5% every 3 months until delivery. Prices start from 167,000 OMR; it is recommended to contact the sales team directly for more details.

Read also: Real Estate Investment Returns in the Sultanate of Oman by Property Type

Comparison Table of Actual Down Payment by Project

The figures in this table represent the down payment for the lowest announced unit price in each project. The actual down payment for any specific unit varies depending on its exact price (floor, area, view).

How to Find a Unit with a Down Payment Close to 10,000 OMR?

Since the down payment percentage is fixed (10%) in all these projects while the base price varies, the unit that gives you a down payment close to exactly 10,000 OMR is a unit whose total price ranges between approximately 90,000 and 110,000 OMR. Among the projects listed here, Muscat Bay and Wahat Al Sarouj start from a lower price than that, while Vistal starts from a slightly higher price. Therefore, the most practical option is to review mid-priced units within Muscat Bay or Wahat Al Sarouj (not necessarily the lowest entry unit), or units slightly above the entry price in Vistal, to reach an actual down payment close to exactly 10,000 OMR.

These are the top five projects in the Sultanate of Oman that currently allow entry with a relatively low down payment (10%), but the actual value in OMR varies greatly depending on the price of each project, from about 4,900 OMR in Wahat Al Sarouj to 18,200 OMR in Al Ahlam District. Matching the right unit to your budget requires reviewing the exact price, not just the down payment percentage.

The Imtilak Global team reviews with you the units currently available within these five projects and helps you determine which one gives you a down payment that matches your available liquidity exactly. Talk to our real estate consultants to review the currently available options.

Read also: 10 Quick Checklist Points Before Signing a Property Purchase Contract in the Sultanate of Oman

Frequently Asked Questions

What is the lowest actual down payment currently available in OMR?

Wahat Al Sarouj offers the lowest actual down payment among these projects, at about 4,900 OMR on the entry price (49,000 OMR).

Is the 10% down payment fixed in all projects in the Sultanate of Oman?

No, the percentage varies according to each developer's policy and the project classification. Sultan Haitham City projects legally require a total minimum of 30% (not necessarily as a single down payment), while some ITC projects set a lower down payment percentage according to the developer's specific policy.

Does the 0% interest rate apply to all these projects?

The 0% interest rate is explicitly confirmed in the Vistal project, while it is recommended to check this detail specifically with the sales team for the other mentioned projects.