Home Loans Mortgage Home Saver


Homes last forever. Home loans shouldn't

A unique solution that helps you save on interest cost and get you closer to owning your home

4.25% From
Interest rate p.a.
Starting from 4.25% interest rate per annum
80% Up to
of the property value
for every AED 1,000 of loan amount

Keep in mind

  • A processing fee might be applicable to avail the facility
  • For the duration of the loan, insuring the property and maintaining a life insurance policy are mandatory
  • External evaluators shall be used to determine the property value, which may result in additional charges
  • The maximum interest earned on the linked current account cannot exceed the loan outstanding
Key benefits

  • Own your home faster– loan tenure can be reduced by up to 15 years* on a loan term of 25 years
  • More savings on interest cost– enjoy more than 90%* savings on interest cost on a 25 year loan term
  • Flexibility and control– a unique loan account linked to a highly flexible interest bearing bank account
  • Experienced and dedicated Mortgage Relationship Managers to guide you through the entire loan application process
  • Dedicated after-sales mortgage service and helpline desk
  • Ability to switch to a different mortgage variant anytime during the loan maturity period
  • Flexibility to partially settle your mortgage loan anytime

*Calculated on a loan tenure of 25 years


  • Financing up to 80% of property value
  • Competitive interest rate options
  • Repayment tenure of up to 25 years
  • Flexibility to partially settle your mortgage loan anytime
  • Fixed rate options


How TouchPoints are awarded:

  • 200 TouchPoints will be earned for every AED 1,000 of loan amount, upto a maximum of 500,000 TouchPoints.

Terms and conditions

ADCB loans will be made available at the sole discretion of ADCB, subject to ADCB's terms and conditions and upon submission of documentation acceptable to ADCB. To view the full Consumer Banking terms and conditions, click here.

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 Valid Trade License copy (If applicable: Memorandum of Association/ Articles of Association)
6 Salary transfer letter (if transferring salary to ADCB) Valid Power-of-Attorney copy (if applicable)
7 Details of existing loans/liabilities Details of existing loans/liabilities

Home Saver Calculator
Click on the text box to enter your desired value. AED
AED 5000 AED 50000000
Years Click on the text box to enter your desired value.
1 25
Maintained Account Balance
What is this? This is an estimated balance that you will maintain in your bank account.
Interest Savings
AED 1,184
Tenor Saving
3 months
With the Home Saver Loan you can reduce the loan tenure by 3 Months and save up to AED 1,184 in interest cost compared to standard Home Loan

Comparison for a loan amount

Interest Rate
Standard Home Loan cost AED93,578
HomeSaver Loan cost AED92,394
Standard Home Loan 96 months
HomeSaver Loan 93 months
Loan Pay-off Standard Home Loan Home Saver
Loan amount 80,000 80,000
Interest rate charged on loan 3.99% 4.49%
Original loan tenure (Years) 8 8
Interest rate paid on account balance - 4.00%
Average account balance maintained - 10,000
Regular monthly installment 975 993
Actual installments required to be paid 96 93
Total payment towards loan 93,578 92,394
Total interest paid towards loan 13,578 12,394
Effective savings in interest cost (Even on higher loan rate) - 1,184
Effective savings in interest cost (In % as compared to standard home loan) - 8.72%
Effective savings in tenor (How early you own the home) (Months) - 3
Interest Savings
AED 5000
Tenor Saving
0 months
Apply Now


The figures are based on indicative interest rates used for illustrative purposes only and do not apply to your loan, actual rates are subject to change. The computation of the benefits and savings is based on simulated figures and a number of underlying assumptions. Please consult your Relationship Manager/or visit the nearest branch/or send “HOMESAVER” as an SMS to 2626 for a call back to ensure that you receive complete information about the home saver 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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Other ways to apply

Contact centre

Contact centre

Call our 24-hour contact centre on 600 50 2030.

Apply through SMS

Apply through SMS

SMS 'HOMESAVER' 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

Branches & ATMs