ADIB Smart Account

Check Eligibility for ADCB
Home Loan

You are eligible to apply for a ADCB
Home Loan .

You may not be eligible * to apply.

* Minimum salary AED 8000 required to apply for a ADCB Home Loan .

*No loan for :User_Nationality available in this page

Click here to check from other banks.

ADCB Home Loan Calculator

Home Loan Provided By ADCB

Check Eligibility for ADCB Home Loan

You are eligible to apply for a ADCB
Home Loan .

You may not be eligible * to apply.

* Minimum salary AED 8000 required to apply for a ADCB Home Loan .

Click here to check loans from other banks.

ADCB Home Loan Calculator

ADIB Smart Account

Eligibility Criteria of ADCB Home Loan

Abu Dhabi Commercial Bank (ADCB), features in the Forbes list of top 1000 biggest public companies. It provides retail, commercial, Islamic banking and other financial services to people. Founded in 1985 and headquartered in Abu Dhabi, UAE, the bank operates on five strategic pillars:

  • UAE-centric approach with controlled internationalization
  • Sustainability through growth of liabilities
  • Culture of efficiency and service excellence
  • Follow a pre-defined risk strategy
  • Focus on staff

ADCB offers three categories of services:

  • Aspire
  • Privilege Club
  • Excellency

The services and charges vary depending on the category in which you choose to bank with them.

Calculate your ADCB home loan EMI using Home loan EMI calculator

ADCB Home Loan Interest rates

ADCB Bank

3 ADCB Bank Home Loans

Standard Mortgage Loan in UAE

minimum salary

Minimum Salary

AED 8K

flat rate

Flat Rate

3.99%

loan amount

Loan Amount

AED 24000K

early settlement fee

Early Settlement Fee

1.05%

arrangement fee

Arrangement Fee

1.05%

down payment

Down Payment

20%

repayment

Repayments Up To

25 Years

minimum salary

AED 8K

Minimum Salary

flat rate

3.99%

Flat Rate

loan amount

AED 24000K

Loan Amount

early settlement fee

1.05%

Early Settlement Fee

arrangement fee

1.05%

Arrangement Fee

down payment

20%

Down Payment

repayment

25 Years

Repayments Up To

Features

  • Open to both UAE nationals and Expats
  • Provides financing at a fixed interest rate of 3.99%
  • Minimum salary of AED 8,000 is required

Features

  • Open to both UAE nationals and Expats
  • Minimum salary of AED 8,000 is required
  • Provides financing at a fixed interest rate of 3.99%
  • A processing fee of 1% is charged to the home loan applicant
  • A maximum loan amount of AED 24,000,000 is provided
  • At least 20% of the property value should be borne as down payment
  • The early settlement fee is 1% of the outstanding amount

Benefits

  • Finance up to 80% of the property value
  • Fast and easy approval with simple documentation
  • Convenient pre-approval facility
  • No salary transfer required
  • One touchpoint for every AED 1,000 of your finance amount
  • Attractive profit rates

View details on bank page

Mortgage Home Saver

minimum salary

Minimum Salary

AED 40K

flat rate

Flat Rate

4.25%

loan amount

Loan Amount

AED 25000K

early settlement fee

Early Settlement Fee

1.05%

arrangement fee

Arrangement Fee

1.05%

down payment

Down Payment

20%

repayment

Repayments Up To

25 Years

minimum salary

AED 40K

Minimum Salary

flat rate

4.25%

Flat Rate

loan amount

AED 25000K

Loan Amount

early settlement fee

1.05%

Early Settlement Fee

arrangement fee

1.05%

Arrangement Fee

down payment

20%

Down Payment

repayment

25 Years

Repayments Up To

Features

  • The maximum tenure of 25 years is provided
  • Property and life insurance are mandatory throughout the tenure of the loan
  • The interest rate of 4.25% is charged on the account

Features

  • The maximum tenure of 25 years is provided
  • Property and life insurance are mandatory throughout the tenure of the loan
  • A minimum salary of AED 40,000 is required
  • The interest rate of 4.25% is charged on the account
  • At least 20% of the property value should be borne as down payment

Benefits

  • Provides a current account linked to the loan
  • Can earn an interest rate on the balance maintained on the account
  • Provides 200 touchpoints on every AED 1000 on the loan amount
  • Can avail partial settlement facility

View details on bank page

Mortgage Overdraft

minimum salary

Minimum Salary

AED 8K

flat rate

Flat Rate

7.15%

loan amount

Loan Amount

AED 25000K

early settlement fee

Early Settlement Fee

1.05%

arrangement fee

Arrangement Fee

1.05%

down payment

Down Payment

20%

minimum salary

AED 8K

Minimum Salary

flat rate

7.15%

Flat Rate

loan amount

AED 25000K

Loan Amount

early settlement fee

1.05%

Early Settlement Fee

arrangement fee

1.05%

Arrangement Fee

down payment

20%

Down Payment

Features

  • Can avail overdraft facility for up to 10 years
  • Should be of 21 years (salaried individual) and 25 years(self-employed) to be eligible
  • Variable interest rates start from 7.15% per annum

Features

  • Can avail overdraft facility for up to 10 years
  • Should be of 21 years (salaried individual) and 25 years(self-employed) to be eligible
  • A minimum salary of AED 8000 for UAE nationals and AED 15,000 for expats is required
  • Variable interest rates start from 7.15% per annum
  • Up to 80% of the property value can be availed as finance

Benefits

  • Can withdraw finance only when required
  • High finance amount
  • Competitive interest rates
  • Both UAE nationals and expats are eligible

View details on bank page

Frequently Asked Questions

Q. What is the minimum salary required?

A. The minimum salary required for an ADCB home loan is AED 8000 for UAE Nationals and for Expats AED 15000.

Q. What is the down payment required on ADCB home loan?

A. The minimum down payment required for ADCB home loan is 20%.

Q. Can I save money on getting ADCB home loan?

A. Yes, ADCB Home saver loan provides a current account linked to the loan account. Loan holder can gain interest rate on the balance available in the current account.

Q. Are non-residents eligible for a home loan in Dubai?

A. Yes. ADCB Mortgage services can be availed by non-residents of UAE as well.

Q. Can I negotiate on a down payment?

A. No. It is mandatory to bear the minimum down payment as per the bank’s requirement.

Q. What is the processing fees charged for the home loan?

A. The processing fee charged on ADCB home loan is 1.05% of the approved loan amount.

Q. What is the interest rate charged?

A. The interest rates on the ADCB home loan starts from 3.99%.

About ADCB

Abu Dhabi Commercial Bank (ADCB), features in the Forbes list of top 1000 biggest public companies. It provides retail, commercial, Islamic banking and other financial services to people. Founded in 1985 and headquartered in Abu Dhabi, UAE, the bank operates on five strategic pillars:

  • UAE-centric approach with controlled internationalization
  • Sustainability through growth of liabilities
  • Culture of efficiency and service excellence
  • Follow a pre-defined risk strategy
  • Focuses on staff

ADCB offers three categories of services:

  • Aspire
  • Privilege Club
  • Excellency

The services and charges vary depending on the category in which you choose to bank with them.

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.