Home Loans Standard Mortgage Loan


Home sweet home

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

5.28% 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
200 Earn
for every AED 1,000 of loan amount

Keep in mind

  • The interest rate mentioned on this page is applicable for Excellency/ Emirati Excellency customer segments. The applicable rate shall vary depending on customer segment and profile
  • 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.
  • 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

  • Experienced and dedicated Mortgage Relationship Managers to guide you through the entire loan application process
  • Dedicated after-sales mortgage service and helpline 
  • 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 85% of property value for UAE Nationals and 80% for Expatriates.
  • Competitive Interest Rates with following structures:
    • Hybrid Structure - Fixed for initial years and variable thereafter
    • Variable Rate Structure - Based on relevant EIBOR + Margin
  • Repayment tenure of up to 25 years
  • Flexibility of partial settlement during the duration of the loan


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 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

  • If you do not keep up your repayments, you may lose your property
  • You may have to pay penalties if you pay off a loan early
  • If you do not meet the repayments on your loan, your account will go into arrears. This may affect your credit rating, which may limit your ability to access financing in the future

Mortage Calculator
Click on the text box to enter your desired value. AED
AED 300000 AED 50000000
% Click on the text box to enter your desired value.
15%% 85%%
You will need to pay AED as up-front payment for the mortgage loan.
Click on the text box to enter your desired value. AED
AED 5000 AED 50000000
% Click on the text box to enter your desired value.
1.5 % 8 %
Years Click on the text box to enter your desired value.
1 25
Monthly Installment


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 computations is based on simulated figures and a number of underlying assumptions. Please consult your Relationship Manager/or visit the nearest branch or send ‘HOME’ as an SMS to 2626 for a call back to ensure that you receive complete information about our standard mortgage loan product.