If the mahr (dower) is not mu’ajjal (immediately payable) it is not necessary to pay it, it can be paid later. Also, husband can talk to her before paying the dower. However, if the mahr is mu’ajjal (immediately payable) and your wife does not permit you to have intercourse before she receives her mahr, then she has the right.
Allah (Subhana Wa Ta’ala) knows Best
Darul Uloom Deoband