Ajman’s New Investment Magnet: Tiger Downtown’s 70/30 Plan and Furnished Homes Explained

0
Screenshot

Talk to any serious UAE investor right now, and one name keeps coming up more often than it used to: Ajman. Dig a little deeper, and you quickly find Tiger Downtown Ajman at the center of that conversation.

This new lagoon-front community in Al Alia combines something investors rarely get in one package: fully furnished homes, a flexible 70/30 payment plan, and the kind of lifestyle that attracts long-term tenants who pay on time and stay put.

For many buyers in Dubai and abroad, it is starting to look less like one more launch and more like a genuine investment magnet.

Why Tiger Downtown Ajman stands out

Before getting into payment plans, it is worth framing the context.

Our review of Ajman-focused market reports shows that apartments in the emirate routinely deliver gross rental yields in the 8 to 10 percent range, especially in well-located urban districts. That is noticeably higher than the UAEs average gross residential yield of about 5.45 percent in late 2025.

In simple terms, you are getting more income per dirham invested.

Tiger Downtown Ajman is designed to sit at the upper end of that range. Our research into project guides and investment briefs shows that:

Apartments in similar Ajman downtown-style locations are already achieving 9 to 11 percent yields.
Orchid Towers, Phase 1 of Tiger Downtown Ajman, can easily deliver 8 to 10 percent annual returns for apartments, with studios and one beds expected to perform particularly well. (Disclaimer: Returns are based on the current market estimates and do not constitute any guarantee)

Layer onto that a fully furnished product and a brand new lagoon-front master community, and you can see why this project is getting so much attention from income-focused buyers.

Fully furnished homes: built for tenants and investors

At Tiger Downtown Ajman, almost every residential unit is delivered fully furnished. Our analysis confirms the same pattern again and again:

Studios, 1–3 bedroom apartments, 2–4 bedroom duplexes, and 6 bedroom penthouses all come with fitted kitchens, furniture, and contemporary finishes.

For investors, that matters for two reasons:

1. No fit-out lag. You are not losing months while you choose furniture and supervise contractors. Once the building is handed over, you are much closer to being rental-readyfrom day one.
2. More attractive to tenants. Fully furnished stock is particularly appealing to professionals on two or three-yearcontracts, first-time renters, and newcomers to the UAE who do not want to buy a full apartment of furniture.

It’s fairly easy for end users. A Dubai couple planning to relocate later can secure a unit now, keep saving while the project is under construction, and eventually move into a finished, furnished home without a second wave of spending.

The smaller units in Orchid Towers start from around AED 420,000. The ticket size remains significantly below similar furnished, branded, waterfront stock in many Dubai communities. However, with the overwhelming response that Tiger Downtown Ajman has received, you must make an early investment decision to reap the benefits.

The 70/30 payment plan, in plain language

If the furnished product is the first hook, the 70/30 payment plan is what makes Tiger Downtown Ajman workable for a wide range of buyers.

Our review of the projects payment structure shows a consistent model:

Total structure: 70 percent during construction, 30 percent after handover.
Within that, it breaks down as:
o Around 20 percent as a booking or initial down payment
o About 40 percent in installments during construction
o About 10 percent at the time of handover.
o The remaining 30 percent post-handover, often positioned as 1 percent per month

For a salaried buyer in Dubai, that structure is crucial. Instead of needing to produce a large lump sum and a mortgage approval on day one, you can:

Reserve a unit with a manageable initial outlay.
Continue earning in Dubai while the project is built.
Phase payments so they track your savings and bonuses, rather than knocking you off balance.

By the time handover comes around in Q4 2028, the heavier part of the 70 percent is already paid. The last 30 percent is structured in a way that can sit alongside rental income if you decide to lease the apartment before moving in yourself.

How a Dubai salary can quietly build an Ajman asset

The most compelling part of Tiger Downtowns story for many readers is what it means for regular working households.

Take a typical mid-career professional couple in Dubai. Between them, they might earn AED 30,000 to 40,000 a month, a very common bracket in the city. A significant slice of that often disappears into rent. Our analysis shows that annual apartment rents in Ajman range roughly from AED 27,000 to AED 47,000, while comparable Dubai properties can easily sit tens of thousands of dirhams higher.

With Tiger Downtown Ajman, that couple has an alternative path:

Continue renting in Dubai near their current jobs for now.
Allocate a defined portion of their monthly surplus to the 70 percent construction phase payments on a fully furnished unit in Orchid Towers.
Let the project build out over the next three years while they keep earning and saving.
Decide at handover whether to move into a lagoon-front home in Ajman, or maintain it as an income-producing asset and stay in Dubai for a while longer.

Because the post-handover 30 percent is often structured as about 1 percent of the property value per month, which is the same amount many tenants already pay in rent.

The difference is that, in this scenario, the same habit of making regular monthly payments eventually leaves you with a furnished property in an emerging lagoon city.

Returns for investors and future residents

From a pure investment angle, Tiger Downtown Ajman ticks several of the boxes seasoned buyers look for:

Our analysis of investor-focused guides shows expected apartment yields in the 8 to 10 percent band, with studios and one beds often at the upper end.
Those figures sit above both the UAE average and many core locations in larger emirates, while entry prices remain comparatively modest.
The community is fully master-planned, with 76 buildings, a 13,795 square meter lagoon, and 25 plus amenities, all of which support long-term tenant demand.

For end users, return looks slightly different. It shows up as:

The ability to step into a fully furnished, resort-style environment without the premium of a marquee Dubai postcode.
A lifestyle that trades traffic noise and concrete canyons for promenades, parks, and calm water, while still letting you commute to Sharjah or Dubai via familiar highways.

That is why Tiger Downtown is resonating with both camps: those who never plan to live in the unit, and those who see it as their future home.

Eng. Amer Waleed Al Zaabi, CEO of Tiger Properties, has summed up that dual appeal in simple terms: With Tiger Downtown Ajman, we wanted to create an investment that feels like a home from day one. A family earning in Dubai today can use our 70/30 plan to own a lagoon-front apartment tomorrow, with payments that look like rent now and a peaceful life waiting for them when they are ready to move.

Why this looks like an invest now moment

No one can guarantee future prices, but a few things are clear today:

Ajman offers higher average yields than the UAE as a whole.
Tiger Downtown Ajman adds a large, highly amenitizedlagoon-front master community into that equation.
Phase 1, Orchid Towers, delivers fully furnished stock with a payment plan that is genuinely designed around salaried buyers and long-term investors.

For investors, that combination makes Tiger Downtown Ajman look like a calculated move: secure a unit now at a still-reasonable entry price, let the 70/30 plan work with your income, and aim for an asset that can realistically generate above-average returns in a growing emirate.

For Dubai and Sharjah residents, it offers an additional angle: keep your career where it is today, but quietly build a furnished, lagoon-front home in Ajman that can either pay you rent or welcome you later when you decide it is time for a calmer life.

That, in essence, is why Tiger Downtown Ajman is already being talked about as the emirates new investment magnet.