Home Loans Mortgage Home Saver

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ADCB

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 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

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

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
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 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
Tenor
Standard Home Loan 96 months
HomeSaver Loan 93 months
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
Interest Savings
AED 5000
Tenor Saving
0 months
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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.

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Other ways to apply

Contact centre

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

Apply through SMS

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

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