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

Credit Bureau Consent, Welcome Offer & General Terms & Conditions

I hereby acknowledge and agree to allow Citibank to share my details with any UAE credit bureau and make enquiries about me with any UAE credit bureau at its sole and absolute discretion. I agree to the Terms and Conditions listed below. Citibank Terms and Conditions apply, are subject to change without prior notice and are available upon request. For the current Terms and Conditions, please visit our website www.citibank.ae. All offers are made available on a best-effort basis and at the sole discretion of Citibank, N.A. Citibank, N.A. makes no warranties and assumes no liability or responsibility with respect to the products and services provided by partners/other entities. By inquiring about our services, offers or products, you will be authorizing our representatives to approach you on your contact details including your telephone/mobile number for any product or service offered by Citibank. The applicant agrees to be bound by Citibank’s General Terms and Conditions available on the website www.citibank.ae. The applicant hereby represents and warrants that the information provided herein is true, accurate, and complete and that he/she agrees to remain responsible for and to indemnify Citibank, N.A. from and against any losses, claims and/or liabilities incurred by Citibank NA as a result of having relied on such information. Citibank, N.A. is not required to verify the information provided by the applicant and neither is the bank obliged to provide the applicant with any loans or credit facilities based on the provided information. The information provided on this website does not constitute the marketing of any products or services to individuals resident in the European Union, European Economic Area, Switzerland, Guernsey, Jersey, Marino, San Marino, Vatican and Isle of man. The content on this website is not, and should not be construed as, an offer, invitation or solicitation to buy or sell any of the products and services mentioned herein to such individuals. Find your nearest Citi branch: www.findmyciti.com/ae/. Call us at: +971 4 311 4000.

Address: Citibank UAE, P.O. Box 749, Dubai, United Arab Emirates.

0 People rated this page

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 Abu Dhabi Finance Bank Home Loans

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

minimum salary

AED 10K

Minimum Salary

flat rate

2.2%

Flat Rate

reducing rate

3.99%

Reducing Rate

early settlement fee

2%

Early Settlement Fee

arrangement fee

1%

Arrangement Fee

down payment

25%

Down Payment

repayment

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

Features

  • Maximum finance provided depends on your financial status
  • Only UAE Nationals are eligible
  • Home Finance is provided at a fixed interest rate of 2.2%
Apply Now

Features

  • Maximum finance provided depends on your financial status
  • Only UAE Nationals are eligible
  • Minimum salary of AED 10000 is required
  • Home Finance is provided at a fixed interest rate of 2.2%
  • Home Finance is provided on a reducing interest rate of 3.99%
  • Salary transfer is not required
  • Both life insurance and property insurance is compulsory
  • 1% of the total loan amount is charged as processing fees
  • The loan is provided for a maximum tenure of 25 years
  • 20% of the property value should be paid as the down payment
  • 2% of outstanding loan amount is charged on early settlement

Benefits

  • Provides high finance amount
  • Customised solutions are provided to the customers
  • Hassle free documentation
  • Quick approval
  • Salary transfer is not required
Apply Now
View Details

View details on bank page

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

minimum salary

AED 40K

Minimum Salary

flat rate

2.1%

Flat Rate

reducing rate

3.81%

Reducing Rate

early settlement fee

2%

Early Settlement Fee

arrangement fee

1%

Arrangement Fee

down payment

25%

Down Payment

repayment

25 Years

Repayments Up To

Features

  • Both UAE Nationals and Expats are eligible
  • Mortgage Finance is provided at a fixed interest rate of 2.1%
  • Minimum salary of AED 10000 is required
Apply Now

Features

  • Both UAE Nationals and Expats are eligible
  • Minimum salary of AED 10000 is required
  • Mortgage Finance is provided at a fixed interest rate of 2.1%
  • Mortgage Finance is provided on a reducing interest rate of 3.81%
  • Salary transfer is not required
  • Maximum loan amount provided depends on the financial status of the applicant
  • Property and Life insurance is mandatory
  • 1% of the total loan amount is charged as processing fees
  • The loan is provided for a maximum tenure of 25 years
  • 25% of the property value should be paid as the down payment
  • 1% of outstanding loan amount is charged on early settlement of the loan

Benefits

  • Both self-employed and salaried individuals are eligible
  • Provides finance to Expats too
  • Low minimum salary requirement
  • Fewer profit rates
  • The high amount of finance is provided
  • Quick and easy approval of the finance
Apply Now
View Details

View details on bank page

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

minimum salary

AED 20K

Minimum Salary

flat rate

2.48%

Flat Rate

reducing rate

4.5%

Reducing Rate

early settlement fee

1%

Early Settlement Fee

arrangement fee

1.25%

Arrangement Fee

down payment

25%

Down Payment

repayment

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

Features

  • Only UAE Nationals are eligible
  • For purchasing properties in Abu Dhabi only
  • Home Finance is provided at a fixed interest rate of 2.48%
Apply Now

Features

  • Only UAE Nationals are eligible
  • For purchasing properties in Abu Dhabi only
  • Minimum salary of AED 20000 is required
  • Home Finance is provided at a fixed interest rate of 2.48%
  • Home Finance is provided on a reducing interest rate of 4.5%
  • Salary transfer is not required
  • Maximum loan amount provided depends on your financial condition
  • Property and Life insurance is mandatory
  • 1% of the total loan amount is charged as processing fees
  • The loan is provided for a maximum tenure of 25 years
  • 25% of the property value should be paid as the down payment
  • 2% of outstanding loan amount is charged on early settlement

Benefits

  • Hassle free documentation
  • Easy approval of the loan
  • Salary transfer is not required
  • A high amount of finance is provided
  • Both self-employed and salaried individuals are eligible for the finance
Apply Now
View Details

View details on bank page

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

minimum salary

AED 20K

Minimum Salary

flat rate

2.48%

Flat Rate

reducing rate

4.5%

Reducing Rate

early settlement fee

1%

Early Settlement Fee

arrangement fee

1.25%

Arrangement Fee

down payment

25%

Down Payment

repayment

25 Years

Repayments Up To

Features

  • Only UAE Nationals are eligible
  • Can avail to purchase properties in Dubai only
  • Home Finance is provided at a fixed interest rate of 2.48%
Apply Now

Features

  • Only UAE Nationals are eligible
  • Can avail to purchase properties in Dubai only
  • Minimum salary of AED 20000 is required
  • Home Finance is provided at a fixed interest rate of 2.48%
  • Home Finance is provided on a reducing interest rate of 4.5%
  • Salary transfer is not required
  • Maximum loan amount provided depends on your financial condition
  • Property and Life insurance is mandatory
  • 1% of the total loan amount is charged as processing fees
  • The loan is provided for a maximum tenure of 25 years
  • 20% of the property value should be paid as the down payment
  • 2% of outstanding loan amount is charged on early settlement

Benefits

  • High chances of approval
  • Salary transfer is not required
  • Low-profit rates
  • Hassle free documentation
  • Various options to repay the loan
  • Partial settlement can be done
Apply Now
View Details

View details on bank page

Frequently Asked Questions

⭐ 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

   Get in touch with Abu Dhabi Finance Customer Care

Ask questions and share your comments

We encourage our users to have discussion on questions they might have on financial products and help other users by sharing their insights. Kindly help us in making this site useful. We don't encourage any spam posts here. This is a public forum, so we request you to be safe by not disclosing personal information such as bank account or phone numbers etc. Please follow our posting guidelines. All the comments posted under MyMoneySouq official account are not reviewed by the financial institutions.

Show/Post Comments