Home Loan Provided By ADCB
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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

3 ADCB Bank Home Loans
Standard Mortgage Loan in UAE
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
Mortgage Home Saver
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
Mortgage Overdraft
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
Frequently Asked Questions
⭐ 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.
⭐ What is the down payment required on ADCB home loan?
A. The minimum down payment required for ADCB home loan is 20%.
⭐ 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.
⭐ 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.
⭐ Can I negotiate on a down payment?
A. No. It is mandatory to bear the minimum down payment as per the bank’s requirement.
⭐ 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.
⭐ 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.
Get in touch with ADCB Customer Care
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