ADCB Home Saver

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


Get Home & Mortgage loan at Lowest Interest Rate

  • Dubai
  • Abu Dhabi
  • Sharjah
  • Ras Al Khaimah
  • Ajman
  • Other
ADCB Home Saver Details

Minimum account balance 

AED 10,000

Rate of interest

Starting from 2.99% per annum

Maximum loan amount

85% of the property value 

Interest rates offered 

Hybrid and Variable


200 TouchPoints for every loan amount of AED 1,000

Age limit for applying for ADCB Home Saver 

Minimum: 21 years

Loan Tenure 

25 years maximum

Liquidity in home loan repayment is among the key features sought by most borrowers when they search for the most suitable loan plans. Following the worldwide norm, when you take a home loan in UAE, you are bound to repay the loan amount in the given tenure at a fixed interest rate. However, with this unique type of the same type of loan, you can repay a home loan quite easily. This type of loan, termed home saver loan, is available with banks like ADCB. With the ADCB home saver plan, you deposit your surplus income in the ADCB current account linked to your loan account.

The interest earned on this surplus is considered for the principal loan repayment amount. In this way, you can repay your loan faster without any major hassles. So if you are looking for a mortgage loan in UAE, ADCB can be a consideration owing to several features and benefits as mentioned in the following sections.

ADCB Home Saver

  • Minimum Salary AED 8,000
  • Flat Rate 4.25%
  • Reducing Rate NA
  • Down Payment 0%
  • No Salary Transfer

Features & Benefits of ADCB Home Saver 

With an ADCB mortgage loan in UAE, you get to enjoy a lot of features and benefits. Here are a few ones to mention –

  • Repay the loan faster - With an ADCB home loan plan, you would be able to repay the loan faster due to the interest accumulation on your current account balance. With a reduced tenure, the loan is generally paid before time.  
  • Quick path to owning a home - Repaying the loan amount before time means you get closer to completely owning your house without any pending loan. As the interest accumulated on your current account is taken to repay the loan each time, you can track your steady journey towards owning your house. 
  • Liquidity of saved money - The linked current account balance under such type of loan is flexible to manage, as it also allows you to withdraw funds from the current account when needed. Thus, besides being able to repay the amount, you can also use your savings for other financial needs. 
  • The assistance - ADCB Home Saver lets you savour the benefits of a dedicated mortgage relationship manager for proper guidance, which ensures after-sales services and a helpline. 
  • Switch anytime - As a customer of an ADCB mortgage loan, you are free to switch to a different mortgage variant whenever you want within the loan maturity period.  
  • Settle your loan anytime  - You can partially settle your loan amount when you want without any additional interest charged. 

Some more features of ADCB home loans are as follows-

  • Enjoy conventional finances option 
  • UAE Nationals can enjoy a loan amount of up to 85% of the property value 
  • UAE Expatriates can enjoy a loan amount of up to 80% of the property value
  • Competitive interest rates
  • Repayment tenure of up to 25 years

Documents Required for ADCB Home Saver 

Minimal document work is required before you are verified as eligible to enjoy the features and benefits of the ADCB Home Saver. Nevertheless, the list of a few documents required on your part is as follows - 

For Salaried Borrowers

  • Filled up application form
  • Proof of the property that has been booked
  • Proof of the source of down payment
  • Valid passport, EIDA card copy, and VISA
  • Bank account statement for the last 6 months
  • The salary certificate must be issued to the ADCB Bank within 30 days of applying for the loan
  • Salary transfer letter if going for salary transfer 
  • Details of existing liabilities or loans (if applicable) 

For Self-Employed Borrowers

Same as salaried individuals albeit with more documents like -

  • Bank account statement for last 6 months (both personal and company accounts) 
  • The financial statement of audit of the last 2 years (if a loan is above AED 2.5 million) 
  • A copy of the valid trade license

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Eligibility Criteria for Taking ADCB Home Saver 

The few things you need to keep in mind regarding the eligibility criteria for ADCB mortgage home saver are -

  • All the UAE Nationals and Expatriates are eligible for ADCB Home Saver 
  • The individual applying for the loan must be over 21 years of age

Note: When looking for a home loan in UAE via ADCB home Saver, only conventional finance options are available, meaning that no Islamic loan option is available for the same. Another aspect to remember is that ADCB home saver is not available for under-construction properties. 

How to Apply for ADCB Home Saver in UAE?

An individual can purchase an ADCB mortgage loan from the bank's official website or by visiting the nearest ADCB branch. Other than that, one can also take a home loan from Policybazaar UAE, as the process to compare different plans and land on the right one for yourself is greatly simplified with us. 

Here's how you can purchase the plan of your preference at

  • Step 1  - Visit the home loans section on our website. 
  • Step 2 - Enter the requested details to move to the next page.
  • Step 3 - You will be able to compare different plans on this page. Choose the most suitable one for yourself and select the ‘buy’ or related option.
  • Step 4 - After successful submission of the application, an executive will assist you with the further formalities

Top Reasons to Go for ADCB Home Saver

Besides excellent flexibility in repayment, here are a few more major reasons why you can opt for an ADCB mortgage loan-

  • Interest rates starting at just 2.99% per annum
  • Enjoy 200 TouchPoints for every loan amount of AED 1,000
  • Comfortable loan repayment with a loan tenure of 25 years
  • Provision to settle the loan anytime partially
  • Instant approval of the loan
  • Both hybrid and variable interest rates structure available 


How the interest accrued is used to repay the loan amount?

In ADCB Home Saver, the interest accrued on the current account balance is automatically used to repay the loan amount irrespective of the fixed repayment instalment.

Can I link more than one current account to an ADCB home saver?

No, only one current account can be linked to the mortgage loan at ADCB.

Reviews & Ratings

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