Home Loans Mortgage Overdraft


Use your asset to get cash

The ADCB mortgage overdraft facility allows you to borrow money against your home equity when needed.

7.15% From
variable interest rate
per annum
80% Up to
of the property value
10 Up to
overdraft facility

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
Key benefits

  • Interest will only be levied on withdrawn funds
  • Operate your overdraft account as your 'normal current account'


  • Withdraw money for any purpose - as and when needed.
  • Borrow up to 80% of property value.
  • Overdraft facility available for up to 10 years.
  • All borrowing is on an interest-only basis. You can reduce the principle outstanding on your borrowing at any time.

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

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Other ways to apply

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

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