The Context: from check cycle to monthly payment
In the rental landscape in the United Arab Emirates (UAE), until now, many leases have been settled through a "one-to-four check" annual system: the tenant-often-paying all or part of the rent in one or more post-dated checks, covering the rental period. Recently, the Property Finder and Keyper platforms announced a partnership that introduces the possibility of monthly rent payments, abandoning (or greatly reducing) the traditional check model. This change represents an important development for both tenants and landlords, but it also has repercussions for those who invest in the Dubai real estate market.
What it means for tenants and investors
For the tenant, the introduction of monthly payments means greater financial flexibility: no longer the obligation to pay a large amount upfront right away, but to spread the commitment out on a monthly basis. From the perspective of the real estate investor, this novelty brings two thoughts. First: the demand for housing space may increase as the "cost of entry" is lowered. Second: the contract structure and cash-flow security may evolve: landlords need to adapt to a more digital, more frequent payment and less traditional model.
What are the impacts on the real estate market and what to monitor
The shift toward monthly payments is in line with the international market model and represents a modernizing step in the UAE real estate sector. However, for a foreign investor, attention must be paid to: the quality of the platform that handles payments, contractual security, local leasing regulations, adaptation of contracts, and the possible reaction of traditional owners. In addition, the increased accessibility for tenants may result in increased competition between housing units: this requires that the investment be well-positioned in terms of quality, location, and yield.
Timing, regulation, and points of attention
The partnership between Property Finder and Keyper envisions the launch of the monthly payment mode in the first half of 2026. It does not automatically mean that all properties or all contracts will switch to this model right away: adoption will be gradual, and it will also depend on the developer, owner, and property management platform. It is important to check whether the property in which one invests supports this option or remains with the traditional model. In addition, investors need to consider that the transition may require contractual changes, tax adjustments, or adjustments to the UAE rental system.
Why with Rema you have the answer you are looking for
If you are wondering how this change impacts your investment in Dubai, we at REMA Living Real Estate are ready to work with you. We have a proven track record in the UAE market and know the local dynamics, contracts, regulations and best terms for international investors. We help you evaluate properties that already support flexible models, guide you in understanding cash-flow, contracts and risks, and assist you in negotiations. You don't have to go through this change alone-we're here to turn it into an opportunity.
When evaluating a property in Dubai in view of the change to monthly payments, keep a few key points in mind: check whether the owner or developer has signed up to the new model, check the reputation of the payment platform, make sure the contract includes the necessary flexibility, and consider whether the fee charged takes the new system into account (it may vary slightly from traditional models). Ultimately, choose a property that is not only well positioned, but also ready to evolve with the market-this will make a difference in the long run.
