Payment plans in Sultan Haitham City: Projects and delivery dates

Choosing a project in Sultan Haitham City is not only about the final unit price, but also the payment method and the actual delivery date. These two factors determine the real financial commitment for the buyer during the construction period. This guide organizes the approved payment plans for the four most prominent city projects currently, with the actual timeline for each as officially announced until July 2026.

How do payment plans work in Sultan Haitham City?

Projects in Sultan Haitham City rely on a multi-stage payment structure designed so that the buyer’s payments are tied to actual construction progress on the ground, not fixed dates on paper:

• First installment (reservation upon contract signing): An amount that officially reserves the unit in the buyer’s name, usually ranging between 10% and 20% of the property value depending on the project and sales phase.
• Progress-based periodic installments: Instead of relying on fixed monthly or quarterly dates, payments are scheduled according to actual completion percentages achieved on site, usually at 20%, then 40%, then 60%, then 80% of construction works, and finally at and after delivery. This model protects the buyer, as no new payment is required until real progress is seen in the project.
• Post-delivery payment: Some projects allow paying 10% to 20% of the total value after actual delivery and receiving the keys, which eases the financial pressure on the buyer during the construction years and shifts part of the commitment to after moving in or renting out the unit.

Exact percentages differ from one project to another, as detailed in the following sections. We always recommend confirming them directly with our licensed sales team before signing, as they may change with each new sales phase.

When does real estate residency begin in Sultan Haitham City projects?

A foreign investor is entitled to apply for real estate residency as soon as they pay just 30% of a property value starting from 50,000 OMR. This condition is linked to the payment percentage, not the construction stage or delivery date. In practice, this means that a buyer who pays the first reservation installment and then completes one or two installments within the regular payment plan may reach the 30% threshold within the first few months of purchase, i.e., years before unit delivery in many cases, and becomes eligible to apply for residency at this early stage without waiting for construction completion.

More importantly, this residency is not exclusive to the owner alone; they have the right to include their spouse and children in the same residency application after providing documents proving the family relationship. This makes early purchase in a project still under construction more of a family decision than just an individual investment.

Read also: Obtaining residency by purchasing property in Sultan Haitham City

Comparison of payment plans for each project

Here is a quick comparison of payment plans for the top projects in Sultan Haitham City:

Wadi Zaha Project

Wadi Zaha Project is developed by Al Ahly Sabbour Egypt as part of an investment package reaching 90 million OMR, with a set delivery date in the fourth quarter of 2028. The project includes apartments, villas, and penthouses with areas up to 325 sqm, and a number of rooms ranging from studios to 5-bedroom units.

The payment plan here is one of the simplest in the city in terms of number of installments, with a 20% down payment upon contract signing, then the remaining 80% paid in monthly or quarterly installments over a full 5 years, including two years after actual property handover. This means about a third of the payment period comes after delivery, which is a relatively comfortable margin for those who prefer to spread out the financial commitment over a longer period without having to pay the full value upon receiving the unit.

January Residences Project

January Residences Project is developed by Idraak Real Estate Development, with a set delivery date in the second quarter of 2027. It includes apartments and villas with areas up to 407 sqm, and a number of rooms ranging from studios (0 rooms) to 4-bedroom units.

The payment plan at January Residences is the most gradual among the four projects. Reservation starts with a nominal amount of only 1,000 OMR without any down payment, followed by 15% after 15 days from reservation, then an additional 15% upon completion of the first construction phase, another 15% at the end of the second phase, and 15% at the end of the third phase, then 20% upon property handover, and finally the remaining 20% in monthly installments over 24 months after handover. This detailed progression tied to multiple construction stages makes January Residences the least financially demanding in its early stages among the four projects, suitable for those who want to secure a reservation without immediate financial pressure.

Hay Al Wafa Project

Hay Al Wafa Project is developed by Al Abrar Real Estate, with a set delivery date in the fourth quarter of 2026, making it the closest delivery among all four city projects. The project includes apartments with areas up to 413 sqm, and a number of rooms ranging from one-bedroom to 4-bedroom units.

The payment plan is straightforward and short-term in line with the near delivery date: 20% down payment upon contract signing, and the remaining 80% in installments until December 2026, i.e., almost coinciding with the delivery date itself. This means a concentrated financial commitment over a shorter period in exchange for getting a ready-to-move-in or rentable unit within a few months from now, not years.

Sarooj Oasis Project

Sarooj Oasis Project is developed by Sarooj Real Estate Development, with a set delivery date in the third quarter of 2028. The project includes apartments and villas with areas up to 250 sqm, and a number of rooms ranging from one-bedroom to 5-bedroom units.

The payment plan relies on a 10% down payment, then the remaining 90% is distributed over multiple installments over a full 3 years according to construction stages and until delivery. The relatively low down payment here, along with a payment schedule spread over 3 years, makes it a practical option for those who want to maintain higher liquidity in the first year of purchase.

Quick comparison between the four projects

Read also: Freehold properties for sale in Sultan Haitham City for foreigners

Factors to consider when comparing payment plans

The most important figure in any payment plan is not just the down payment percentage, but how the installments are tied to actual progress, as this is what protects the buyer from paying large sums in advance for construction progress that has not yet been achieved on the ground. The project closest to delivery, such as Hay Al Wafa (Q4 2026), means an intense but short-term financial commitment, while a project with a longer horizon like Wadi Zaha or Sarooj Oasis (2028) spreads the same commitment over more years. Here, the buyer needs to decide which suits their actual cash flow: a more concentrated, shorter payment, or lighter installments spread over a longer period.

The speed of reaching the real estate residency threshold at 30% of the price is independent of the delivery date, but directly linked to the down payment structure itself. In Hay Al Wafa and Wadi Zaha, where the down payment is 20%, the buyer approaches the 30% threshold after just one additional installment. In January Residences, where reservation starts with a nominal 1,000 OMR and then 15% after two weeks, reaching the 30% threshold takes at least the completion of the first two payments, i.e., a relatively longer period. For those who prioritize real estate residency above all else, this difference is worth considering when comparing projects.

Another practical factor is the payment span after delivery. Wadi Zaha offers a full two years out of five to pay installments after actually receiving the unit, the longest among the four projects in this regard. In contrast, Hay Al Wafa ties the bulk of the payment to the delivery date itself, with no extended margin after that. Finally, the range of room numbers and unit sizes between projects is a decisive factor for those buying for family living, not just investment, and should be evaluated alongside the payment plan, not separately.

At Imtilak Global Oman, we review the updated payment plan for each project with you before any reservation, and explain which Sultan Haitham City projects best match your timeline and budget, whether through a free direct consultation or a virtual real estate tour of the currently available units in each project.