Home Loans Standard Mortgage Loan


Home sweet home

ADCB helps you turn your dream home into reality. With the option of fixed or variable rates, you can now choose the solution that suits your individual needs.

3.99% From
Interest rate
Starting from 3.99% 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 will determine the property value, which may result in additional charges.
Key benefits

  • 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 loan variant anytime during the loan period
  • Flexibility to partially settle your mortgage loan anytime


  • Option of Islamic or Conventional Home Finance
  • Financing up to 80% of property value
  • Fixed rate options
  • Competitive interest rate options
  • Repayment tenure of up to 25 years


TouchPoints awarded on loan amount as follows:

  • 200 TouchPoints will be awarded for every AED 1,000 of loan amount, up to 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

Enjoy a world-class customer experience when you bank with us.

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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 'HOME' 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

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