Home Finance Home Finance for Government Beneficiaries


Al Yusr Programme

An innovative collaboration with Mohamed Bin Rashid Housing Establishment to provide financial options for UAE national beneficiaries to obtain suitable family housing.

750,000 Up to AED
profit-free finance
100% Up to 

Keep in mind

  • Profit-free finance and tenure are determined by Mohammed Bin Rashid Housing Establishment
  • First Degree mortgage on the property to be in favour of ADCB
Features and Benefits

  • Finance 100% of the property value (up to AED 5 million)
  • NIL profit calculated on up to AED 750,000 of facility
  • Repayment up to 25 years
  • Waiver of processing fee for beneficiaries
  • Eligibility for residents of Dubai:
    • UAE nationals
    • Non-Emirati spouse of UAE national

Al Yusr Programme services

As part of the programme we will finance:

  • Al Yusr 1:buying a house
  • Al Yusr 2: building a house (construction)
  • Al Yusr 3: the purchase of a home from the local market (UAE-wide coverage)

For more information go to https://www.mbrhe.gov.ae/ar/eServices/FinancialServices/Pages/FacilitationProgram.aspx

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.

Approved by the Fatwa & Shari'ah Supervisory Board

To view the Home Finance Ijara Fatwa, please click here.

To view the Home Finance Home Finance Forward Ijara, please click here.

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)

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.
Enter Valid Customer Id
Enter Valid Name
Enter Valid Email
Enter a valid number (hint: it starts with ‘5’)
Select your emirate
Abu Dhabi Dubai Fujairah Ajman Ras Al Khaimah Sharjah Umm al Quwain

Other ways to apply

Contact centre

Contact centre

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

Apply through SMS

Apply through SMS

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

Visit us

Visit us

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

Download our inaugural 2021 ESG Report to find out about our sustainability strategy, performance and progress over the year.
Read more Close