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

3.99% From

Interest rates

per annum

85% Up to

Finance of the property value for

UAE Nationals

80% Up to

Finance of the property value for

Expatriates

Fast-Track Your Home-buying Journey with ADCB Dream Home

ADCB is proud to be the first bank in the region to offer you a seamless digital homeownership experience. You can now search for properties, get instant Pre-approval, apply for an online Property Valuation and gain access to an exclusive home-buying guide, all through your personalized dashboard.
With a dedicated Mortgage Specialist by your side, we ensure a smooth journey to owning your dream home, supporting you every step of the way.

ADCB Dream Home Platform
Key Features

Explore a wide selection of properties across the UAE to help you find your dream home

You are one step closer to your Dream Home. Use this document to plan, search and shortlist properties within your eligibility.

Our independent third-party review will help determine your property’s true value ensuring a fair price and providing your peace of mind

Track your progress in real-time and take control of your home-buying journey through your personalised dashboard

Receive expert guidance and support from your dedicated Mortgage Specialist every step of the way

Lets get started Still looking for a property

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 account balance eligible to earn interest in the linked current account cannot exceed the loan outstanding at any given point in time
The maximum Loan To Value (LTV) offered depends on the current construction stage of the property, total property value and number of home loan facilities availed.
Hybrid loan interest rate structure implies fixed rate for initial years after which the variable rate based on relevant EIBOR + Margin applies

Key benefits

Dedicated ADCB Mortgage Centres will ensure convenient, seamless and stress-free home buying experience
Own your home faster– loan tenor can be reduced by up to 15 years* on a loan term of 25 years
More savings on interest cost – enjoy up to 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 process
Dedicated after-sales mortgage service and helpline
Ability to switch to a different mortgage variant anytime during the loan maturity period
Flexibility to partially settle your mortgage loan anytime
Experience a smarter way to own your home with ADCB – seamless, transparent and fully digital.

*Calculated on a loan tenor of 25 years

Features

Frequently asked questions

Terms and conditions

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

Home Saver Calculator

Amount

AED

AED 5000 AED 50000000

Tenor

Years

1 25

Maintained Account Balance

AED

Interest Savings

AED 1,184

Tenor Saving

3 months

With the Home Saver Loan you can reduce the loan tenor by 3 Months and save up to AED 1,184 in interest cost compared to standard Home Loan

See Comparison

Comparison for a loan amount

Interest Rate

Standard Home Loan cost AED93,578

HomeSaver Loan cost AED92,394

Standard Home Loan HomeSaver Loan

Tenor

Standard Home Loan 96 months

HomeSaver Loan 93 months

Standard Home Loan HomeSaver Loan

0%100%98%

096 months93 months

Standard Home Loan HomeSaver Loan

Loan Pay-off	Standard Home Loan	Home Saver
Loan Amount (AED)	1,000,000	1,000,000
Interest Rate Charged on Loan	4.25%	4.75%
Original Loan Tenor (Years)	25	25
Interest Rate Paid on Account Balance	-	4.75%
Average Account Balance Maintained (AED)	-	200,000
Regular Monthly Installment	5,417	5,701
Actual Installments required to be Paid	300	241
Total Payment towards Loan	1,625,214	1,373,983
Total Interest paid towards Loan	625,214	373,983
Effective Savings in Interest Cost (Even on Higher Loan Rate)	-	251,231
Effective Savings in Interest Cost (In % as compared to Standard Home Loan)	-	40.18%
Effective Savings in Tenor (In Months) - How early you Own the home	-	59

Apply Now

Disclaimer

The figures are based on indicative rates selected and are for illustrative purposes only and do not apply to your loan. ADCB 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 50 2030 to ensure that you receive complete information about our loan 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 the application form.

Apply for the Standard Mortgage Loan

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Other ways to apply

Contact centre

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

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

Apply through SMS

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

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

Visit us

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^{Home Loans} Mortgage Home Saver

Homes last forever. Home loans shouldn't

Fast-Track Your Home-buying Journey with ADCB Dream Home