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Minimum Salary Salary Transfer Islamic Finance Maximum Term Flat Rate Reducing Rate
ADIB - Home Finance for Expats ADIB - Home Finance for Expats Minimum Salary: AED 15,000 Salary Transfer: No Early Settlement Fees: Yes Maximum Term: 25 Years Flat Rate: 2.06% Reducing Rate: 3.75%
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Finance your dream home with ADIB's Home Finance for Expats! 

Properties financed:
  • Burooj Properties 
  • Bani Yas Real Estate
  • Bloom Real Estate
  • Sorouh Real Estate
  • Manazel Real Estate
  • Aldar Properties
  • TDIC (Tourism Development and Investment Company)
  • Any ready property in Dubai with title deed
Features
  • Free property insurance for the entire tenure
  • Optional grace period up to six months
  • Profit free personal financing
  • Automatic priority status upgrade
  • Life insurance financing
  • For your first property, the down payment is 25% if the property value is under AED 5M and 35% if property value is above AED 5M. For your second property, the down payment is 40%.
  • For salary transfer customers there is no processing fee for new purchases, owner to owner transfers or refinance. For non salary transfer customers the processing fee is 0.50% of financing amount or AED 5,000 (whichever is higher).
  • You get free of charge fire Takaful cover. Life Takaful is mandatory.
  • The reducing rate of this finance is 3.75% and the equivalent flat rate is 2.06%. The calculation used is a division of the reducing rate by 1.814 and this is indicative only.
  • The variable interest rate is based on the Central bank's 3 month EIBOR plus a bank margin.
  • It is not a requirement to transfer your salary to apply
** Calculator Definitions
Amount: The total amount of money borrowed, also referred to as the principal amount.
Rate (%): This is the annual interest flat rate on the product. This is not the 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
ADCB Islamic - Ijarah Home Finance
Minimum Salary
AED 8,000
Reducing Rate
3.25%
ADCB - Home Saver
Minimum Salary
AED 8,000
Reducing Rate
-
Commercial Bank of Dubai - Mortgage Loan
Minimum Salary
AED 12,000
Reducing Rate
2.99%
RAKBANK - Home in One
Minimum Salary
AED 15,000
Reducing Rate
3.24%