Minimum Salary Salary Transfer Islamic Finance Maximum Term Flat Rate Reducing Rate
ADIB - Home Finance for UAE Nationals ADIB - Home Finance for UAE Nationals Minimum Salary: AED 10,000 Salary Transfer: No Early Settlement Fees: Yes Maximum Term: 25 Years Flat Rate: 2.06 Reducing Rate: 3.75
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Features & Benefits of ADIB Home Finance for UAE Nationals

Described below are some key advantages of ADIB home loan in the UAE.

  1. Option to Get a Higher LTV (Loan to Value) - ADIB bank offers up to AED 20 million in the form of a home loan in UAE. Moreover, in some cases, the bank can cover almost 85 per cent of your housing finance, which will leave you only with 15 per cent of your house value to be paid by yourself.
  2. Loan InsuranceADIB Home Finance for UAE Nationals offers the option to avail of insurance with the loan, which safeguards the borrower as well as their family from financial risk brought due to the loan repayment in case something happens to the borrowing individual.
  3. Attractive Interest Rates - Anyone looking for a home loan in UAE would prefer low interest rates. The same is provided by this bank, which offers impressive interest rates on ADIB home loan policies that start as low as 2.06% flat.
  4. Dedicated Customer Care The excellent features provided by ADIB mortgage loan are backed by its dedicated and expert relationship managers, who are available to guide users at every step of their financial decisions.

Documents Required for ADIB Home Finance for UAE Nationals

The required documents when you apply for an ADIB home loan are:

  • Bank statement
  • Salary proof
  • Copy of the passport
  • The family book or Khulaset Al Qaid 
  • Emirates ID
  • Contractor and Consultant report
  • Ownership documents for self-employed people
  • Property documents
  • Liability letter (if applicable)
  • 3.75% variable rate (based on the Central bank's 3 month EIBOR plus a bank margin). Free of charge Fire takaful property cover. Life Takaful is mandatory
  • The early settlement fee is applied as per UAE Central Bank policy, which is 1% of the outstanding amount (principal + profit) to date, or AED 10,000, whichever is lower. The bank has the discretion to waive any or all of the total outstanding profit
  • Maximum loan amount - AED 20,000,000
  • Finance repayment period of up to 25 years
  • You are required to put 20% or as per central bank regulations
** 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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