Home Loans Mortgage Home Saver

Apply Now
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

4.99% 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

Buying your dream home now made simple and easy with ADCB's digital Mortgage Ecosystem

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

Search for properties Apply for instant pre-approval

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) 1000,000 1000,000
Interest Rate Charged on Loan 4.74% 4.99%
Original Loan Tenor (Years) 25 25
Interest Rate Paid on Account Balance - 4.99%
Average Account Balance Maintained (AED) - -
Regular Monthly Installment 5,695 5,840
Actual Installments required to be Paid 300 300
Total Payment towards Loan 1,708,627 1,752,023
Total Interest paid towards Loan 708,627 752,023
Effective Savings in Interest Cost (Even on Higher Loan Rate) - -43,396
Effective Savings in Interest Cost (In % as compared to Standard Home Loan) - -6.12%
Effective Savings in Tenor (In Months) - How early you Own the home - 0
Interest Savings
AED 5000
Tenor Saving
0 months
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.

BackgroundImage

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 fill this form and a member of our team will contact you personally.
Basic information
Please tell us about yourself
Please select one option
Enter Valid Customer ID
Please select an option
Mr Miss Mrs
Enter Valid Name
Enter a valid number (hint: it starts with ‘5’)
Enter valid email
Select the Nationality
Personal details and Employment details
Please let us get to know you
Enter Valid Date of Birth
Select your emirate
Abu Dhabi Dubai Fujairah Ajman Ras Al Khaimah Sharjah Umm al Quwain
Employment type is required
Salaried Self Employed Housewife Student Pensioner
This site is protected by reCAPTCHA and the Google Privacy Policy and Terms of Service apply.

Thank you


We received your application.

One of our representatives will call you back within 24 hours.

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.

Visit us

We will be happy to welcome you at our Mortgage Centres or any of our branches Find the closest Mortgage Centre / branch to you