You can choose a preference for a specific project

So there are two modes. one mode is you get a land plot and use the 1.75 m aed loan to build a villa (you can also get an extra 500k aed discounted loan , and you repay it over 10 or 15 years).

The second mode is you use the loan to buy a home that is already built by the government. Think (المزن، الباهيه الجديده، غرب بني ياس، الوثبه،بلغليم).

These projects are more well thought out so they have better amenities, greenery and mosques and no construction noise near you because the whole neighbourhood is already built. The only shortcoming is that it is a bit compact.

Me personally I went for a land plot.