The Smartest Money on Al Marjan Island Isn't Paying Upfront; It's Paying on a Schedule Designed by Abu Dhabi National Hotels.

Inside the payment structure behind Nasim Al Bahr, and why capital efficiency — not affordability — is the real story for sophisticated investors.

There is a quiet assumption in luxury real estate that the biggest cheque wins. Pay in full, move first, secure the best unit. For most developers, that assumption holds because most developers need the cash upfront to keep building.

Abu Dhabi National Hotels (ADNH) does not have that problem. And at Nasim Al Bahr The Luxury Collection Residences, its first-ever off-plan residential project on Al Marjan Island, that difference shows up directly in the payment plan.

A STRUCTURE BUILT FOR INVESTORS WHO ALREADY HAVE CAPITAL WORKING

Nasim Al Bahr's payment plan runs 20% during construction, 30% at handover, and the remaining 50% spread across three years after handover. On paper, it looks like a financing convenience. In practice, it's a signal about who ADNH is building this for.

High-net-worth investors rarely have large sums of capital sitting idle. Money is deployed — across portfolios, private equity positions, other property, businesses. Asking that kind of investor to commit a large lump sum and then wait, uncompensated, until a project reaches handover in Q1 2028 is asking them to take capital out of play for the sake of a real estate purchase. Most developers do exactly that, because most developers need the money to fund construction.

Nasim Al Bahr does the opposite. Investors put down a fifth of the purchase price to secure their unit, pay another 30% when the keys are ready, and are given three years beyond that to settle the balance — years in which the unit itself is already capable of generating rental income. For an investor who understands the cost of parked capital, that is the difference between a purchase that ties up money and one that lets money keep working while an asset appreciates underneath it.

WHY THIS STRUCTURE IS CREDIBLE ONLY BECAUSE OF WHO IS OFFERING IT

Extending payment terms this far past handover is not something every developer can afford to do. It requires a balance sheet strong enough to fund construction without leaning on buyer instalments to get there — which is precisely the position ADNH occupies.

Founded in 1976, ADNH is a publicly listed company on the Abu Dhabi Securities Exchange, majority-held by Abu Dhabi government-related shareholders. Over nearly five decades, the group has built, owned and operated some of the UAE's most established hospitality assets, expanding into hotel management, catering, transport and facilities services along the way. Nasim Al Bahr marks its first move into off-plan residential development, a deliberate step, not a debut from an unproven entity chasing early cash flow.

That institutional weight is what makes the payment structure more than a sales incentive. A private developer offering the same terms would be taking on real construction risk against future buyer payments. ADNH, backed by a government-linked shareholder base and an established operating business, is not making that trade. The result is a payment plan that is investor-first by design, not by necessity — and a project under construction that carries a different risk profile from most off-plan launches on the island.

THE ASSET BEHIND THE STRUCTURE

The payment plan would matter less if the underlying asset weren't equally considered. Nasim Al Bahr sits on one of the only direct, private beachfronts on Al Marjan Island; a distinction that separates it from towers positioned along shared waterfront or public promenades. Two sculpted residential towers step down toward a sequence of villas and townhouses that trace the curve of the bay, placing residents directly on private sand rather than simply within view of the water.

The development comprises 392 residences, one- to five-bedroom apartments and penthouses alongside 55 villas and townhouses, including a single Presidential Villa. Interiors are fully furnished, finished in natural stone, timber and soft metallic accents drawn from the sand, dune and sea tones of the coastline. Residents have full access to the adjoining Luxury Collection Resort & Spa, including a spa, gym, indoor padel courts, multiple pools and dining venues.

Ownership also carries access to Onvia, ADNH's privileges programme, extending preferred rates across Marriott properties worldwide, elite status across more than 7,000 hotels, dedicated concierge services and redeemable points for stays, flights and experiences.

TIMED AHEAD OF THE ISLAND'S NEXT CHAPTER

Nasim Al Bahr's location places it within minutes of Marjan Central and Wynn Al Marjan Island, the UAE's first integrated resort, now confirmed by Wynn Resorts to open in September 2027 with more than four million annual visitors projected. For investors thinking in terms of both lifestyle and asset appreciation, positioning ahead of that opening on a stretched, cash-flow-conscious payment plan, backed by a government-linked developer is a rare combination on an island where most of these variables rarely align in a single project.

PROJECT AT A GLANCE

• Developer: Abu Dhabi National Hotels (ADNH)
• Brand: The Luxury Collection Residences on Nasim Al Bahr
• Location: Al Marjan Island, Ras Al Khaimah, UAE
• Configuration: 392 residences (1–5 bedroom apartments and penthouses) + 55 villas and townhouses, including a Presidential Villa
• Status: Under construction
• Handover: Q1 2028
• Payment plan: 20% during construction / 30% at handover / 50% over 3 years post-handover

• Proximity: 5 minutes to Marjan Central and Wynn Al Marjan Island (opening September 2027); 30 minutes to RAK International Airport; 60 minutes to Dubai International Airport

ABOUT ONE BROKER GROUP

One Broker Group (OBG) is the exclusive sales partner for Nasim Al Bahr. Recognized by the Dubai Land Department as the highest-performing brokerage in 2022, OBG operates a network of over 10,000 partners and more than 150 in-house brokers, delivering record-setting results across the UAE's most sought-after addresses.

Interested in Nasim Al Bahr?

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Daniel Page

Associate Director and Head of Projects at RAK

+971 56 725 4953