Check Eligibility for Abu Dhabi Finance
Home Loan

You are eligible to apply for a Abu Dhabi Finance
Home Loan .

You may not be eligible * to apply.

* Minimum salary AED 10000 required to apply for a Abu Dhabi Finance Home Loan .

*No loan for :User_Nationality available in this page

Click here to check from other banks.

Abu Dhabi Finance Home Loan Calculator

Home Loan Provided By Abu Dhabi Finance

Check Eligibility for Abu Dhabi Finance Home Loan

You are eligible to apply for a Abu Dhabi Finance
Home Loan .

You may not be eligible * to apply.

* Minimum salary AED 10000 required to apply for a Abu Dhabi Finance Home Loan .

Click here to check loans from other banks.

Abu Dhabi Finance Home Loan Calculator

Features of Abu Dhabi Finance Home Loan

The Abu Dhabi Islamic Bank offers home loans to UAE nationals as well as expatriates.

Loan Amounts

The maximum loan amount depends on multiple factors. Listed as below:

  • First House - Owner Occupied-Property Value: <5 Million AED(80% For UAE Nationals and 75% for For UAE Residents)
  • Second House/Investment Property-Property Value:No Bar(65% For UAE Nationals and 60% for For UAE Residents)

Other Features

  • Equated Monthly Instalment (EMI) option available
  • Buyout/Re-Mortgage Option Available
  • Minimum Repayment Tenure: 3 years
  • Maximum Repayment Tenure: 25 years
  • Equity Over Pay-off
  • Loan Protection Insurance/Life Insurance
  • Unaffected by changes in general interest rates

Eligibility Criteria of Abu Dhabi Finance Home Loan

  • Minimum Age: 21 years
  • Employment Status: Must be confirmed employee with employment period more than 6 months. If on probation, relevant certificate is necessary.

Maximum Age:

  • 70 years for UAE Nationals
  • 65 years for Expatriates

Documents Required of Abu Dhabi Finance Home Loan

  • Original salary certificate and/or last 3 months salary slips (For salaried individuals)
  • Copies of original 2 years audited financial accounts (For Self Employed)
  • Latest copy of credit card statements for 6 months
  • Copies of original 3 months personal bank statements
  • Copy of a valid passport with visa page (For Expats)
  • Khulasat Al Kaid (Family book for UAE Nationals only)
  • Copies of any other additional income other than that specified in the form

*Note: Please note that the bank may ask for more documents if it sees necessary.

Abu Dhabi Finance Home Loan Interest rates

abu-dhabi-finance Bank

4 Home Loans Provided By Abu Dhabi Finance

Essence Fixed Home Loan- Dubai and Abu Dhabi properties only

Minimum Salary

AED 10K

Flat Rate

2.2%

Reducing Rate

3.99%

Early Settlement Fee

2%

Arrangement Fee

1%

Down Payment

25%

Repayments Up To

25 Years

AED 10K

Minimum Salary

2.2%

Flat Rate

3.99%

Reducing Rate

2%

Early Settlement Fee

1%

Arrangement Fee

25%

Down Payment

25 Years

Repayments Up To

Advantages

  • One payment holiday every year
  • Salary transfer not required
  • Quick approval

Advantages

  • One payment holiday every year
  • Salary transfer not required
  • Quick approval
Essence Step-Up Fixed Home Loan

Minimum Salary

AED 40K

Flat Rate

2.1%

Reducing Rate

3.81%

Early Settlement Fee

2%

Arrangement Fee

1%

Down Payment

25%

Repayments Up To

25 Years

AED 40K

Minimum Salary

2.1%

Flat Rate

3.81%

Reducing Rate

2%

Early Settlement Fee

1%

Arrangement Fee

25%

Down Payment

25 Years

Repayments Up To

Non Resident Home Loan (Compass)- Abu Dhabi Properties only

Minimum Salary

AED 20K

Flat Rate

2.48%

Reducing Rate

4.5%

Early Settlement Fee

1%

Arrangement Fee

1.25%

Down Payment

25%

Repayments Up To

25 Years

AED 20K

Minimum Salary

2.48%

Flat Rate

4.5%

Reducing Rate

1%

Early Settlement Fee

1.25%

Arrangement Fee

25%

Down Payment

25 Years

Repayments Up To

Advantages

  • One payment holiday per year
  • Quick approval
  • Hassle free documentation

Advantages

  • One payment holiday per year
  • Quick approval
  • Hassle free documentation
Non Resident Home Loan (Compass)- Dubai Properties only

Minimum Salary

AED 20K

Flat Rate

2.48%

Reducing Rate

4.5%

Early Settlement Fee

1%

Arrangement Fee

1.25%

Down Payment

25%

Repayments Up To

25 Years

AED 20K

Minimum Salary

2.48%

Flat Rate

4.5%

Reducing Rate

1%

Early Settlement Fee

1.25%

Arrangement Fee

25%

Down Payment

25 Years

Repayments Up To

Frequently Asked Questions

Q. What are the best home loans in Dubai?

A. You can check the besthome loan Dubaihere.

About Abu Dhabi Finance

Abu Dhabi Finance was established in the year 2008 and is currently a large company that provides mortgage loans and provides both, individuals and businesses, with the most relevant real estate financial solutions.

ADF was founded as a public joint stock company between Mubadala Development Company pjsc., Aldar Properties pjsc and ADCB and expanded to Dubai in 2013.

Abu Dhabi Finance believes in the following values:

  • Expertise - based on breadth and depth of experience
  • Transparent products and services
  • Trustworthy Advice throughout the real estate investment journey