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.

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

200 Earn

TouchPoints

for every AED 1,000 of loan amount

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

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

Features

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

TouchPoints

Frequently asked questions

Terms and conditions

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

Mortage Calculator

Property Value

AED

AED 300000 AED 50000000

Down Payment

%

15% 85%

You will need to pay AED as up-front payment for the mortgage loan.

Loan Amount

AED

Interest rate

%

1.5 % 8 %

Tenure

Years

1 25

Monthly Installment

AED 0

Total interest paid during the loan tenure is AED 0

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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.

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

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

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Home sweet home