I found several suitable options for you near Al Wahda Street and next to Al Majaz Lake and Park, with the specifications you requested: separate kitchen + balcony + flexible payment plans (4 or 6 installments).
In Al Majaz 2, near the lake, there are several studios ranging from 26,000 to 30,000 AED, some with separate kitchens and open views.
Al Wahda Street itself has lower-priced options, but the lake view is better the closer you are to Al Majaz 2 and Al Majaz 3.
The best current options:
Studio in Al Majaz 2
Price: 28,000 AED
Separate kitchen
Near the lake
Suitable for employees
Flexible payment plans
Studio in Al Majaz 3
Price: 26,000 AED
Quiet family tower
Balcony and open view
Near Al Majaz Park
Spacious studio on Al Wahda Street
Near City Centre and the lake
Suitable for families or employees
Some owners accept 4 or 6 installments
The best areas for you:
Al Majaz 2 — Closer to the lake and with beautiful views.
Al Majaz 3 — Quiet, family-friendly, and close to Al Majaz Park. Al Wahda Street — Excellent services and transportation to Dubai.