Minimum Salary Salary Transfer Islamic Finance Maximum Term Flat Rate Reducing Rate
ADIB - Home Finance ADIB - Home Finance Minimum Salary: AED 20,000 Salary Transfer: Yes Early Settlement Fees: No Maximum Term: 3 Years Flat Rate: 3.99 Reducing Rate: -
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The pricing includes the following fixed rate options:

  • 3 years fixed rate starting from 3.99%
  • 5 years fixed rate starting from 4.99%
  • 10 years fixed rate starting from 5.75%
  • 15 years fixed rate starting from 5.99%

An option is also available for nonresident clients (5 years fixed and above only) choosing to purchase a property or release equity on their pre-owned property to purchase another one            


  • UAE Residents
  • Minimum Salary AED 20,000
  • Minimum Age 25 years old

  • Free property insurance
  • Automatic upgrade to Priority & Gold status
  • No pre-approval fees
  • Higher finance amounts of upto AED 20M
  • Special deals on developer handover payments
** 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.
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