Islamic Home Finance in the UAE | ADCB Islamic Banking

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.

5.28% 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

Expatriates

200 Earn

TouchPoints

for every AED 1,000 of Finance amount

Buying your dream home is simple and easy with ADCB's digital Mortgage Ecosystem.

You can search for your dream home in the UAE and receive an instant home loan finance pre-approval from ADCB Islamic Banking right here. Start your home buying journey.

Search for properties Apply for instant pre-approval

Keep in mind

The profit rate mentioned below applies to Excellency/ Emirati Excellency customers. The rate shall vary depending on the customer.
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.

Key benefits

Features

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

TouchPoints

Dedicated mortgage service desk

All after-sales Mortgage inquiries are handled at the Mortgage 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: Customercare.mortgages@adcb.com

Frequently Asked Questions

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 a best-effort basis. They are at the sole discretion of ADCB Islamic Banking. ADCB Islamic Banking makes no warranties and assumes no liability with respect to the products and services provided by the vendors/partners/service providers.

Approved by the Internal Shari’ah Supervision Committee

Documents required

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 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. 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 mortgage finance.

Finance Amount

AED

Profit rate

%

1.5 % 8 %

Tenure

Years

1 25

Monthly Installment

AED 0

Total profit paid during the finance tenure is AED 0

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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.

To deliver the service that you need, we’d like to know more about you. So, please complete this form, and a member of our team will contact you.

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Emirate 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.

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

Apply through SMS

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

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

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Helping you turn your dream home into a reality