Helping you turn your dream home into a reality

Our home finance solutions are tailored to match your unique requirements. This ensures you get the home you always wanted.

85% Up to

Finance of the property value for

UAE Nationals

80% Up to

Finance of the property value for

Expatriates

50% Up to

Finance of the property value for

Non-Residents

4.50% From

Profit rates

per annum

200 Earn

TouchPoints

for every AED 1,000 of Finance amount

Buying your dream home now made simple and easy with ADCB and Bayut digital Home Finance Ecosystem

You can now search for your dream home in the UAE and receive an instant home finance pre-approval from ADCB right here. Enjoy a convenient, transparent and seamless digital home ownership experience. Start your home buying journey now.

Search for properties Apply for instant pre-approval

Note: ADCB Dream Home platform is not available for Non-Residents

Keep in mind

The profit rate mentioned on this page is applicable for Excellency/Emirati customer segments. The applicable rate shall vary depending on customer segment and profile.
A processing fee is applicable.
For the duration of the facility, maintaining a property Takaful policy and a life Takaful policy is mandatory.
External evaluators will determine the property value, which may result in additional charges.
The maximum Finance To Value (FTV) offered depends on the current construction stage of the property. The total property value and the number of home finance facilities availed will affect it too.
The Hybrid Finance profit rate structure implies a fixed rate for the initial years. Then, the variable rate based on relevant EIBOR + Margin applies.
For every “Home Finance” booked, ADCB Islamic Banking will plant a mangrove tree on your behalf.

Key benefits

Dedicated ADCB Mortgage Centres will ensure convenient, seamless and stress-free home buying experience
Experienced and dedicated Home Finance Relationship Managers. They'll guide you through the entire finance application process.
Dedicated after-sales Home Finance service and helpline.
Ability to switch to a different Home Finance variant anytime during the facility period.
Flexibility to partially settle your home finance anytime.

Features

Financing up to 85% of property value for UAE Nationals, 80% for Expatriates and up to 50% for Non-residents.
Competitive Profit Rates with following structures:
- Hybrid Structure - Fixed for initial years and variable thereafter
- Variable Rate Structure - Based on relevant EIBOR + Margin
Payment tenor of up to 25 years for UAE Nationals and Expatriates and up to 15 years for Non-residents
Flexibility of partial settlement during the duration of the home finance

TouchPoints

Dedicated Home Finance service desk

All after-sales Home Finance inquiries are handled at the Home Finance Customer Service Desk. Details are as follows:

Locations:

Emaar Business Park, Etihad Branch, Building number 2, Dubai
Baynunah Tower, Corniche Branch, Abu Dhabi

Business Hours: 08:00am – 16:00pm

Contact Number: 04-3684582 (Dubai and Abu Dhabi)

Email ID: [email protected]

Frequently Asked Questions

Terms and conditions

Approved by the Internal Shari’ah Supervision Committee

Documents required

Residents:

SR No	Salaried	Self-employed
1	Completed application form	Completed application form
2	Proof of booked property (if any) Declaration of the source of down-payment	Proof of booked property (if any) Declaration of the source of down-payment
3	Valid Passport, Visa & EIDA Card copy	Valid Passport, Visa & EIDA Card copy
4	Last 6 months bank statements copy	Last 6 months bank statements copy for both personal and company accounts
5	Salary Certificate issued to ADCB and dated 30 days or less from date of finance application	Last 2 years audited financial statements copy (For finance value greater than AED 2.5 Million)
6	Salary transfer letter (if transferring salary to ADCB)	Valid Trade License copy (If applicable: Memorandum of Association/Articles of Association/Share Certificates)
7	Details of existing loans/finances/liabilities	Details of existing loans/finances/liabilities

Non-Residents:

Nationalities	Salaried	Self-employed
GCC (Saudi Arabia, Kuwait, Qatar, Oman, Bahrain) European Union (EU) USA Canada Australia New Zealand Singapore Hong Kong UK India Pakistan	Valid copy of Passport Latest Salary Certificate Latest 6 months' bank statement Tax returns for 2 years Credit Bureau report from AECB preferred. Else – Credit Bureau Report from country of domicile. Email received by the customer from the Credit Bureau of country of domicile to be attached on best effort basis	Audited financials of last 2 years Tax Returns for 2 years Latest bank statements for 12 months Credit Bureau Report of Self and Company MOA and/ or AOA of Company Shareholding Certificate (if applicable) Valid Trade License
All other Nationalities	Valid copy of Passport Latest Salary Certificate Latest 12 months' bank statement Tax Returns for 2 years attested by Ministry of Foreign Affairs (MOFA) of respective country of domicile and MOFA in UAE Credit Bureau report from AECB preferred. Else – Credit Bureau Report from country of domicile. Email received by the customer from the Credit Bureau of country of domicile to be attached	Other Nationalities – Not Open for financing. However if any case is submitted, same will be reviewed on merits Documentation in case of deviation: Audited financials of last 2 years Tax Returns for 2 years attested by MOFA of respective country of domicile and MOFA in UAE Latest bank statements for 12 months Credit Bureau Report of Self and Company MOA and/ or AOA of Company Shareholding Certificate (if applicable) Valid Trade License

Nationalities

Salaried

Self-employed

GCC (Saudi Arabia, Kuwait, Qatar, Oman, Bahrain)
European Union (EU)
USA
Canada
Australia
New Zealand
Singapore
Hong Kong
UK
India
Pakistan

Valid copy of Passport
Latest Salary Certificate
Latest 6 months' bank statement
Tax returns for 2 years
Credit Bureau report from AECB preferred. Else – Credit Bureau Report from country of domicile. Email received by the customer from the Credit Bureau of country of domicile to be attached on best effort basis

Audited financials of last 2 years
Tax Returns for 2 years
Latest bank statements for 12 months
Credit Bureau Report of Self and Company
MOA and/ or AOA of Company
Shareholding Certificate (if applicable)
Valid Trade License

All other Nationalities

Valid copy of Passport
Latest Salary Certificate
Latest 12 months' bank statement
Tax Returns for 2 years attested by Ministry of Foreign Affairs (MOFA) of respective country of domicile and MOFA in UAE
Credit Bureau report from AECB preferred. Else – Credit Bureau Report from country of domicile. Email received by the customer from the Credit Bureau of country of domicile to be attached

Other Nationalities – Not Open for financing. However if any case is submitted, same will be reviewed on merits

Documentation in case of deviation:

Audited financials of last 2 years
Tax Returns for 2 years attested by MOFA of respective country of domicile and MOFA in UAE
Latest bank statements for 12 months
Credit Bureau Report of Self and Company
MOA and/ or AOA of Company
Shareholding Certificate (if applicable)
Valid Trade License

Important Note

If you do not keep up your rental payments, you may lose the right to own the property. This is stated under the Home Finance Documentation.
If you settle the financing early, then you may have to pay early settlement charges. This is in accordance with finance documentation.
If you do not meet payment requirements under the financing facility, your account will go into arrears. You might be required to pay the donation amount as per financing documents. Such amount shall be paid to charity (after deduction of any actual loss that the Bank may have suffered due to your default).

Home Finance Calculator

Property Value

AED

AED 300000 AED 50000000

Down Payment

15% 85%

You will need to pay AED as up-front payment for the home finance.

Finance Amount

AED

Profit rate

1.5 % 8 %

Tenor

Years

1 25

Monthly Installment

AED 0

Total profit paid during the finance tenor is AED 0

Apply Now

Disclaimer

The figures are based on indicative rates selected and are for illustrative purposes only. They do not apply to your finance. ADCB Islamic Banking rates are subject to change. The computation is based on simulated figures and several underlying assumptions, and possible rounding-off of figures. Please consult your Relationship Manager/or visit the nearest branch or call 600 56 2626 to ensure that you receive complete information about our finance product.

Enjoy a world-class customer experience when you bank with us.

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Other ways to apply

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Call our 24-hour contact centre on 600 56 2626.

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Helping you turn your dream home into a reality