ADIB Smart Account

Check Eligibility for ADIB
Home Loan

You are eligible to apply for a ADIB
Home Loan .

You may not be eligible * to apply.

* Minimum salary AED 10000 required to apply for a ADIB Home Loan .

*No loan for :User_Nationality available in this page

Click here to check from other banks.

ADIB Home Loan Calculator

Home Loan Provided By ADIB

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.

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Check Eligibility for ADIB Home Loan

You are eligible to apply for a ADIB
Home Loan .

You may not be eligible * to apply.

* Minimum salary AED 10000 required to apply for a ADIB Home Loan .

Click here to check loans from other banks.

ADIB Home Loan Calculator

ADIB Smart Account

Features of ADIB Home Loan

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

Loan Amount

The maximum amount of loan that can be availed from ADIB, depending on your eligibility:

  • UAE Nationals – AED 20 million
  • Expatriates – AED 15 million

Other Features

  • Competitive rate of interest
  • Six months optional grace period (for Salary Transfer customers)
  • ADIB paid property insurance for the full tenure
  • Financing of up to 80% of property value.
  • Loans are provided in a Shariah compliant manner.
  • No early settlement fees when selling the property
  • Free partial settlement of up to 30% outstanding annually
  • Automatic upgrade to ADIB Priority Status (for Salary Transfer customers)
  • Transaction Cost Financing available (for Salary Transfer Customers)

Eligibility Criteria of ADIB Home Loan

  • Minimum Salary (UAE Nationals): AED 10,000 per month
  • Minimum Salary (Expatriates): AED 15,000 per month
  • Minimum age 21 years
  • You must be a confirmed employee to apply for a loan if not then you must be in service for at least 3 months (for UAE Nationals) or 6 months (for expats).
  • Joint Applications are accepted.

Calculate your ADIB home loan EMI using Home loan calculator Dubai

Documents Required of ADIB Home Loan

  • Valid salary certificate
  • Additional income verification
  • Passport copy (plus valid resident visa for expats)
  • Khulasat Al Qaid (Family book for UAE Nationals only)
  • Bank Statements

Note: Further documents might be needed during the application process.

ADIB Home Loan Profit Rates

ADIB Bank

2 ADIB Bank Home Loans

Home Finance for UAE Nationals

Minimum Salary

AED 10K

Flat Rate

2.06%

Reducing Rate

3.75%

Loan Amount

AED 20000K

Early Settlement Fee

1%

Arrangement Fee

0%

Down Payment

20%

Repayments Up To

25 Years

minimum salary

AED 10K

Minimum Salary

flat rate

2.06%

Flat Rate

reducing rate

3.75%

Reducing Rate

loan amount

AED 20000K

Loan Amount

early settlement fee

1%

Early Settlement Fee

arrangement fee

0%

Arrangement Fee

down payment

20%

Down Payment

repayment

25 Years

Repayments Up To

Advantages
  • Salary transfer is not mandatory
  • High benefits on salary transfer
  • Low/no partial settlement fees
Advantages
  • Salary transfer is not mandatory
  • High benefits on salary transfer
  • Low/no partial settlement fees

Features

  • Both salaried and self-employed individuals are eligible
  • Minimum turnover of AED 2 Million is required for self-employed individuals
  • Minimum age of 21 yrs is required

Features

  • Both salaried and self-employed individuals are eligible
  • Minimum turnover of AED 2 Million is required for self-employed individuals
  • Minimum age of 21 yrs is required
  • Additional earnings must be verified
  • Minimum length of service of 3 months(UAE Nationals) and 6 months(Expats) is required, salaried individuals
  • Follows takaful laws
  • Minimum salary of AED 10000 is required for salaried individuals
  • The finance is provided at a flat rate of 2.06%
  • The finance is provided at a reducing rate of 3.75%
  • Salary transfer is not required. But additional benefits are provided on the salary transfer
  • Maximum tenure of 25 years is provided
  • Insurance is provided
  • 0% processing fees
  • Maximum finance of AED 20000000 is provided
  • Down payment of 20% of the property value is required
  • The early settlement fees are 1% of the approved loan amount

Benefits

  • Additionals benefits like ADIB Priority status, finance for additional costs are provided
  • Can add a joint account holder
  • Buyout loan facility is available
  • A grace period of 6 months is provided for salaried individuals
  • No processing fees

View details on bank page

Home Finance for Expats

Minimum Salary

AED 15K

Flat Rate

2.06%

Reducing Rate

3.75%

Loan Amount

AED 10000K

Early Settlement Fee

1%

Arrangement Fee

0%

Down Payment

25%

Repayments Up To

25 Years

minimum salary

AED 15K

Minimum Salary

flat rate

2.06%

Flat Rate

reducing rate

3.75%

Reducing Rate

loan amount

AED 10000K

Loan Amount

early settlement fee

1%

Early Settlement Fee

arrangement fee

0%

Arrangement Fee

down payment

25%

Down Payment

repayment

25 Years

Repayments Up To

Advantages
  • Salary transfer is not mandatory
  • High benefits on salary transfer
  • Low/no partial settlement fees
Advantages
  • Salary transfer is not mandatory
  • High benefits on salary transfer
  • Low/no partial settlement fees

Features

  • Both self-employed and salaried individuals are eligible Minimum turnover of AED 3 Million is required for self-employed individuals Minimum age of 21 yrs is required Any additional earnings must be verified
  • The loan is provided at a fixed interest rate of 2.06%
  • Minimum salary of AED 15000 is required for salaried individuals

Features

  • Both self-employed and salaried individuals are eligible Minimum turnover of AED 3 Million is required for self-employed individuals Minimum age of 21 yrs is required Any additional earnings must be verified
  • Minimum salary of AED 15000 is required for salaried individuals
  • The loan is provided at a fixed interest rate of 2.06%
  • The loan is provided at a reducing interest rate of 3.75%
  • Transfering your salary to ADIB Bank account is not required
  • Finance is provided for a maximum tenure of 25 years
  • Insurance is mandatory
  • No processing fees are charged
  • Maximum loan amount of AED 10000000 is provided
  • 25% of the property value should be paid as down payment
  • 1% of the total loan amount is charged as early settlement fees

Benefits

  • Additionals benefits like ADIB Priority status, finance for additional costs are provided for salary transfer customers
  • Can add a joint account holder
  • Buyout loan facility is available
  • A grace period of 6 months is provided for salaried individuals
  • No processing fees are associated

View details on bank page

Frequently Asked Questions

⭐ What is the minimum income required to be eligible for a home loan?

A. The minimum salary required for an ADIB home loan is AED 10,000 for UAE Nationals & AED 15,000 for Expats whereas for self-employed applicants annual turnover of AED 2,000,000(UAE Nationals)& AED 3,000,000(Expats).

⭐ Can I get finance for under-construction properties as well?

A. No. ADIB home loan can be availed only for ready properties in the UAE region.

⭐ What is the maximum loan amount provided?

A. The maximum finance provided on an ADIB home loan is AED 2 Million.

⭐ Is there any grace period provided on the home loan?

A. Yes. 6 months grace period is provided on the ADIB home loan.

⭐ What are the early settlement fees charged?

A. There are no early settlement fees charged if the loan holder is selling the property, else, 1% of the outstanding amount will be charged as early settlement fees.

⭐ Can I make partial payments of my home loan?

A. Yes. ADIB home loan holders can avail partial settlement facility for free on no charges if the payment is up to 30%(per calendar year) of the outstanding loan amount.

⭐ What is the age criterion that is eligible for a home loan?

A. For an ADIB home loan, the loan applicant must be of 21-70 years old.

About ADIB

ADIB is a Public Joint Stock company and is one of the largest banks in the UAE region. Its values include transparency in services, an atmosphere of hospitality and tolerance followed by nature of simplicity and sensibility.

ADIB stands as one of the best banks of UAE by carrying out all the transactions, contracts and services by abiding Ismalic Shari'a principles.

   Get in touch with ADIB Customer Care

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