Minimum Salary Salary Transfer Islamic Finance Maximum Term Flat Rate Reducing Rate
ADCB - Home Saver ADCB - Home Saver Minimum Salary: AED 8,000 Salary Transfer: No Early Settlement Fees: No Maximum Term: 25 Years Flat Rate: 4.25 Reducing Rate: -
Apply Online Now
Fill in your details below and a product advisor will call you back with more details.
At present, you can't apply for this product via But don't worry, by filling in the form below we'll help you find other options that you can apply for!
Some required information is not valid
At ADCB, we understand that choosing the right home loan is just as important as finding the right home. Repayment terms, flexibility, savings, are all the things that you need to consider. Which is why we’ve introduced the Home Saver, a unique home financing solution that helps you save on interest and pay off your loan faster, making it easier for you.

This is how it works: 
Home Saver allows you to link your home loan to a current account held with ADCB and comes with an interest-earning benefit at an attractive rate on your current account. Interest earned on your account balances will be utilized as payment to the home loan every month in addition to the regular monthly instalments that you pay towards your loan. This effectively brings down the home loan tenure helping you to repay you loan faster and also provides you a significant saving on the interest cost over the entire loan period.

key benefits:
  • Own your home faster– loan tenure can be reduced by up to 15 years* on a loan term of 25 years
  • More savings on interest cost – enjoy up to 90%* savings on interest cost on a 25 year loan term
  • Flexibility and control – a unique loan account linked to a highly flexible interest bearing bank account
  • Experienced and dedicated Mortgage Relationship Managers to guide you through the entire loan process
  • Dedicated after-sales mortgage service and helpline
  • Ability to switch to a different mortgage variant anytime during the loan maturity period
  • Flexibility to partially settle your mortgage loan anytime
  • Own your home faster  
  • Loan tenure can be reduced up to 8 years* on a loan term of 25 years
  • More savings on interest cost 
  • Enjoy up to 90%* savings on interest cost on a 25- year loan term
  • Flexibility and control 
  • A unique loan account linked to a highly flexible interest-bearing bank account
** Calculator Definitions
Amount: The total amount of money borrowed, also referred to as the principal amount.
Rate (%): This is the annual interest rate on the product which is equivalent to APR, which is going to be calculated in this example.
Years: This is the original term or length of the product, stated in years.
Effective Monthly Payment: This is the effective monthly payment, which takes into consideration fees and other costs associated with this product. The effective monthly payment is the basis for the APR calculation.
Calculated Annual Percentage Rate (%): The Calculated Annual Percentage Rate (APR) is determined using the annual interest rate of the product plus fees and other costs. This rate may differ from bank to bank. APR is useful when comparing two or more products with different interest rates and fee structures.
Representative Example Calculator
Commercial Bank of Dubai - Mortgage Loan
Minimum Salary
AED 12,000
Reducing Rate