ADCB Home Loan

Best Home Loans to buy your dream home

T&C Apply

  • Flexible repayment periods up to 25 years
  • Processing fees as low as 1%
  • Profit rates starting at 2.75% per year

Get Home & Mortgage loan at Lowest Interest Rate

  • Dubai
  • Abu Dhabi
  • Sharjah
  • Ras Al Khaimah
  • Ajman
  • Other

Abu Dhabi Commercial Bank or ADCB is widely known for its commercial, retail, wealth management, private and priority accounting, investment, and corporate banking products and services. The bank was established in 1985 and is regulated by the Central Bank of UAE.

ADCB has several branches across the UAE and provide both conventional and Islamic services and products. The bank has also made a remarkable appearance as a home loan provider. Let's understand everything about ADCB mortgage loan in detail. 

ADCB  Home & Mortgage Loan Plans

One of the benefits of choosing ADCB Home Loan is you get instant pre-approval and continuous support from the bank until you finally have the keys to your new home. Two types of home loan products are offered by ADCB -

ADCB Standard Mortgage Loan

The standard mortgage loan provides hybrid and variable interest rates in order to help you get the right home loan. Let's get a broad idea of the key features of this ADCB home loan. 

  • This loan is available as conventional as well as Islamic home finance.
  • The interest rate starts at a 2.75% per year.
  • Expatriates can get up to 80% home finances and UAE nationals are eligible for up to 85% financing.
  • Two competitive interest rates are offered - Hybrid and Variable Rate.
  • Up to 25 years of repayment tenure is provided.
  • Borrower can also go for partial settlement during the loan tenure.
  • Borrower earns 200 TouchPoints for every loan amount of AED 1000.

The basic ADCB home loan eligibility criteria for Standard Mortgage Loan are-

  • Salaried or self-employed individuals can apply
  • Minimum entry age for UAE residents (UAE Nationals and Expatriates) is 21 years and for UAE non-residents are 25 years

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ADCB Mortgage Home Saver

When looking for a home loan that also saves on interest costs, Mortgage Home Saver can be an ideal choice. The features of this home loan are-

  • The interest rate starts at 2.99% per year
  • Expatriates can get up to 80% of the home finances and UAE nationals are eligible for up to 85% financing amount.
  • This home loan plan offers conventional finance options. Islamic home loan or loan for an under-construction home is not provided under Mortgage Home Saver.
  • Two competitive interest rates offered- Hybrid and Variable Rate.
  • Insured earns 200 TouchPoints on every AED 1000 of the loan amount.
  • 25 years of repayment tenure is provided.

The ADCB home loan eligibility criteria for Mortgage Home Saver are-

  • Salaried or self-employed individuals can apply.
  • Minimum entry age for UAE residents (UAE Nationals and Expatriates) is 21 years.

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Features and Benefits of ADCB Mortgage Loan

  1. Dual-financing options- ADCB offers both conventional and Islamic home loan finances. Conventional home loan finances refer to the traditional way of lending money. Here, the interest is charged by the lender on the loan amount. On the other hand, the Islamic home loan finances are based on the Sharia law of banking and finances. Here, a bank purchases the property on your behalf. Later on, the bank leases it to you for a profitable amount. You are allowed to repay the money in instalments. 
  2. An Instant Solution - ADCB understands the value of quick processing and approvals for banking services and products. Hence, with quick and minimal documentation, the bank offers instant pre-approval of the ADCB mortgage loan. The representatives from the bank help you throughout the application process. 
  3. The Ultimate Property Guide You Need - The bank offers a guide to help you understand all the details and key facts related to the property you wish to buy. This helps in getting your hands on the right property to avoid any future hassle and legal issues. Authentic reports and guidance help in better decision making. 
  4. A Practical Repayment Tenure - Buying a home requires hefty finances. No matter which home loan finances one opts for, it takes a good amount of time to repay the money to the lender. Hence, ADCB bank provides a practical approach toward loan repayment with 25 years of repayment tenure. 
  5. Affordable Interest Rates - ADCB Home loan interest rates are not only affordable for the buyers but are also competitive at the same time. When going through a conventional home loan financing system, the interest rate plays a very vital role. ADCB home loan rates start only from 2.75% pa.
  6. The Ultimate Mortgage Calculator - ADCB mortgage calculator is the easiest way to get a clearer picture of your home loan equal monthly payments. It helps you realise the interest rate and the repayment amount that you will have to pay back in order to avail of the home loan. By entering a few details, the ADCB home loan calculator gives the digital report of the home loan interest rates and the equal monthly payment amounts. 
  7. Let ADCB Search for Your Ideal Property - Finding a property can be a tough task and it can sometimes become difficult to find exactly what you are looking for. This is where the property searching feature of the bank comes as a saviour. It helps you find the property you are looking for without much difficulties.
  8. Mortgage Managers As Guide - Getting the guidance of an expert is essential, especially when it is about purchasing your first home. The Mortgage relationship managers of ADCB provide the much-needed guidance to the customers about the loan most suited to your need, the features, the key facts and the fees and charges applicable.
  9. Post-Sales Services - The bank is not limited to providing before-sales services but also offers post-sales services via a 24X7 helpline.
  10. Settle Your Mortgage Anytime - A customer is allowed to partially settle the Mortgage loan amount anytime during the loan tenure.
  11. TouchPoints - 200 TouchPoints are provided for every AED 1000 loan amount. It can go up to 500,000 TouchPoints. These TouchPoints can be redeemed to purchase several products at a number of stores in the UAE. Apart from this, the TouchPoints can also be used for spa and massage treatments.
  12. Provision of Switching the Mortgage Loan - Two loan variants are offered by ADCB bank. An individual can switch to either variant anytime during the loan tenure. 

Interest Rates for ADCB Home & Mortgage Loans:

Type of Loan

Maximum Tenure

Maximum Finance Amount

Rate of Interest

Standard Mortgage Loan

Up to 25 years 

Up to 80% of the property value for UAE residents


Up to 85% of the property value for UAE Nationals

Starts at 2.75%

Mortgage Home Saver

Up to 25 years 

Up to 80% of the property value for UAE residents 


Up to 85% of the property value for UAE Nationals

Starts at 2.99%

Documents Required for ADCB Home Loans

The documents required to apply for ADCB home loans are-

  • The application form
  • Last 6 months’ bank statement 
  • Passport and resident visa
  • Details about any other existing liabilities or loans
  • EIDA card copy
  • Salary certificate for the past 30 days
  • Salary transfer letter (if required)
  • Booked property proof and proof of down-payment source

Self-employed people will also have to submit-

  • Audited financial statement copy for past 2 years (if seeking a loan for more than AED 2.5 million
  • Trade licence copy

How to Apply for ADCB Home Loans in UAE?

Seeking to avail of ADCB home loan? Here's how you can get one: 

Offline Apply for ADCB Mortgage Loan

  • Step 1: Visit any branch of ADCB.
  • Step 2: Obtain and fill out the home loan form.
  • Step 3: Along with required documents, submit the form.

The bank will process your loan application and will get back to you within a few hours. 

Online Apply for ADCB Home Loan

Via ADCB Hayyak Mobile App

  • Step 1: Download and open the ADCB Hayyak Mobile App.
  • Step 2: Fill out the personal loan form.
  • Step 3: Submit the form along with the documents.

An executive will get in touch after your application has been processed. The bank will carry out further verification and other important procedures. You can also call the bank for a loan or apply for it via SMS. 

Apply Via

  • Step 1: Go to and head to the home loan section.
  • Step 2: Fill out the lead form using your basic personal information. Once you submit the form, you will land on the quotes page with all available ADCB home loan plans. 
  • Step 3: Compare and choose your ideal ADCB home loan plan and proceed with filling out the application form. 
  • Step 4: Fill out the application form and submit after attaching all the required documents.

An ADCB executive will get back to you when your application has been processed. You can take the procedure further from thereon. 

ADCB Mortgage & Home Loan Calculator:

ADCB mortgage calculator allows the customers to get a brief idea of the ADCB home loan interest rates, the equal monthly payments to be paid, and the loan interest rates. ADCB home loan calculator requires you to enter the loan amount, down payment, and property value. The calculator then calculates and shows you the applicable loan interest rate. 

Terms and Conditions for ADCB Home Loan

A few things about ADCB home loans should always be kept in mind. These include-

  • Interest rates mentioned may vary depending on the customer profile and segment.
  • Processing fee is applicable on every home loan application you submit.
  • Home loan or mortgage life insurance is mandatory to get a home loan in the UAE.
  • The property valuation will be done by external evaluators which may lead to additional valuation fee.

Why Choose ADCB Home/Mortgage Loans? 

ADCB bank offers transparency of operations that builds customer trust and goodwill. The affordable interest rates and 25 years of loan repayment tenure allow the customers to make practical decisions. Apart from all this, the before and after-sales services like searching for the right property, guidance during the application process, etc. bring utmost comfort to the customers. So, plan your dream home and let ADCB do the rest of the needful. 


What is the maximum and minimum mortgage loan amount offered?

The maximum amount is AED 24,000,000 and the minimum amount for a loan is AED 250,000.

Is it compulsory to purchase mortgage life insurance from the bank to avail of the home loan?

Having mortgage life insurance is mandatory. If you already have life insurance, you need not purchase another.

What are the minimum and maximum mortgage loan tenure?

For UAE residents, the maximum tenure is 25 years and for UAE non-residents, it is 15 years.

What should be the maximum age at the time of loan tenure maturity?

The maximum age limit at the time of loan maturity must not exceed 65 years for salaried and 70 years for self-employed customers.

Is it allowed to defer mortgage loan repayment?

No, deferment of the Mortgage loan repayment is not permitted.

Reviews & Ratings

4.6 / 5 (based on   18147 google icon reviews)

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