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Home Finance Home Finance


Helping you turn your dream home into a reality

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

4.09% From
Profit rates
per annum
85% Up to
Finance of the property value for
UAE National
80% Up to
Finance of the property value for
200 Earn
for every AED 1,000 of Finance amount

Keep in mind

  • The profit rate mentioned on this page is applicable for Excellency/ Emirati Excellency 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 are 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, total property value and number of home Finance facilities availed.
  • Hybrid Finance profit rate structure implies fixed rate for initial years after which the variable rate based on relevant EIBOR + Margin applies.
Key benefits

  • Experienced and dedicated Mortgage Relationship Managers to guide you through the entire Finance application process
  • Dedicated after-sales mortgage 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


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


200 TouchPoints awarded for every AED 1,000 of finance amount, up to a maximum of 500,000 TouchPoints.

Dedicated mortgage service desk

All after sales Mortgage inquiries are handled at Mortgage Customer Service Desk. Details are as follows:


  • 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:

Frequently Asked Questions

To view the FAQs, please click here.

Terms and conditions

Terms and conditions apply. To view the full ADCB Islamic Banking terms and conditions, please click here.

All terms and conditions are subject to change without prior notice. All offers are made available on best effort basis and at the sole discretion of ADCB Islamic Banking. ADCB Islamic Banking makes no warranties and assumes no liability in respect to the products and services provided by the vendors/partners/service providers.

Documents required

SR No Salaried Self-employed
1 Completed application form Completed application form
2 Proof of booked property (if any) 
Declaration of source of down-payment
Proof of booked property (if any)
Declaration of 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 loan application Last 2 years audited financial statements copy (For loan 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/liabilities Details of existing loans/liabilities

Important Note

  • If you do not keep up your rental payments, you may lose the right to own the property under Home Finance Documentation
  • If you settle the financing early, then you may have to pay early settlement charges in accordance with finance documentation
  • If you do not meet payment requirements under the financing facility, your account will go into arrears and you might be required to pay donation amount as per financing documents and 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
Click on the text box to enter your desired value. AED
AED 300000 AED 50000000
% Click on the text box to enter your desired value.
15% 85%
You will need to pay AED as up-front payment for the mortgage finance.
Click on the text box to enter your desired value. AED
AED 5000 AED 50000000
% Click on the text box to enter your desired value.
1.5 % 8 %
Years Click on the text box to enter your desired value.
1 25
Monthly Installment

Total profit paid during the finance tenure is AED 0


The figures are based on indicative rates selected and are for illustrative purposes only and do not apply to your finance. ADCB Islamic Banking rates are subject to change. The computation is based on simulated figures and a number of 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.

In order to deliver the service you need we’d like to know more about you, so please complete this form and a member of our team will contact you personally.
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Select your emirate
Abu Dhabi Dubai Fujairah Ajman Ras Al Khaimah Sharjah Umm al Quwain

Other ways to apply

Contact centre

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

Apply through SMS

SMS 'BAYT' to 2626 from your registered mobile number.

Visit us

We will be happy to welcome you at any of our branches. Find the closest branch to you