ADCB Islamic Home Finance

Best Home Loans to buy your dream home

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  • 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

When it comes to Islamic financial services in the UAE, ADCB Islamic Bank is recognised among the leading names in the UAE. The bank offers commercial banking, retail banking, corporate banking, private banking, and wealth management services while adhering to Islamic principles regarding finance and credit.

ADCB Islamic is a full-service bank fulfilling the needs of its wide range of customers with Shariah-compliant solutions. Moreover, the bank offers home financing solutions without Riba. To know more about such features and benefits of ADCB Islamic Home Finance, you can continue reading the article below. 

ADCB Islamic Home Finance

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

Features & Benefits of ADCB Islamic Home Finance

Take a look at the multiple benefits that you can receive with an ADCB Home Loan:

  • High LTV - ADCB bank mortgage loan ensures high loan-to-value by providing up to 80 per cent of financing for your house, meaning that you only have to pay the other 20 per cent to buy the home of your choice. 
  • Flexible tenures up to 25 years - If you wish to repay the loan amount without making it a burden, you can choose a loan tenure that is longer. With an ADCB home loan, you can go for up to 25 years with respect to your loan.
  • Competitive return rates and multiple options - Users have a choice between hybrid and variable interest rates whenever they opt for a home loan in UAE.
  • Flexible settlement facility - You are free to settle your home loan repayments partially or entirely at any time as per your requirement.
  • Dedicated relationship Manager - An experienced manager is assigned to help you in your home finance loan application process.

Documents Required for Seeking ADCB Islamic Home Finance

For Salaried Individuals 

For Self-Employed Individuals

For Non-Residents

Copy of Passport and Visa details page

Copy of Passport and Visa details page

Copy of Passport 

Bank account statements (Last 6 Months)

Company’s and personal bank account statements (Last 6 Months)

Bank account statements (Last 6 Months)

Letter from your employer

Valid trade license or partnership bond (if any)

Reference Letter from a legitimate bank in the country for domicile

Salary transfer-proof 

Business profile

Mortgage credit report

Documents of booked property (if applicable)

Details about past credit and liability history

A complete application form

Eligibility Criteria for ADCB Islamic Home Finance 

While characteristics like age, nationality, and others are noted, your eligibility for ADCB Home Loan chiefly depends on your monthly salary as described below. 


Minimum Income for Expatriate Residents 

Minimum Income for UAE Nationals

Minimum Income for Non-Residents




AED 15,000/ month


AED 8,000/ month


AED 25,000/ month



Credit turnover AED 75,000/ month (Average)

Credit turnover AED 75,000/ month (Average)



How to Apply for ADCB Islamic Home Finance?

The application process for ADCB Islamic Home Finance is hassle-free, as you can either contact the branch of ADCB or use its website or application. However, to make the process even simpler along with better options for comparing the best plans, you can also apply with 

This is how you can get ADCB Islamic Home Finance with us within an ew clicks.

  1. Visit the Policybazaar UAE website and locate a Home Loan form under the home loans section.
  2. Provide some of your contact details in the loan form to get access to the various home loan options.
  3. From the available list as depicted on the screen, you can compare the plans as well as their advantages and disadvantages and apply right away .
  4. After you click on the “apply” button, your application will be submitted and reviewed. You will be then contacted by one of our executives to help you with the subsequent application steps.

Why You Can Choose ADCB Islamic Home Finance

Given below are some key factors and benefits of ADCB Islamic Home Loan that you can consider before selecting a home loan in UAE.

  • Shariah-Compliant home finance solution - The Shariah-compliant home loan solutions of ADCB Islamic allow you to borrow a home loan while also adhering to your beliefs and faith.
  • Flexible repayment option - Regardless of the duration of the loan, you can repay a part or all of it before the agreed tenure without any difficulties. 
  • Profit rates - Competitive profit rates with both Hybrid and variable rate options are available for you to choose from.
  • Earn TouchPoints  - Get up to 200 touchpoints for every AED 1,000 finance amount you take from an Islamic ADCB mortgage loan. And that is not all, as you can also earn up to 500,000 TouchPoints!


How can I settle my loan?

If you have a mortgage loan in UAE, you can pay it off with a rental payment called Ijarah each month. However, if you wish to pre-pay the loan, you can pay the total amount along with the applicable early-settlement fee and settle your loan.

What kind of insurance do I need when I apply for ADCB Islamic Home Finance?

It is mandatory to have life insurance to avail an Islamic Home Finance from ADCB bank. However, for better safety, you can also have property insurance as an added benefit.

Can I get ADCB Islamic Home Finance for more than one property?

Yes, you can avail of ADCB Islamic Home finance for multiple properties. However, keep in mind that there are some guidelines and limitations to it based upon your current residence and the status of your property.

Type of Customer 

Property status

Financing capacity of the bank

UAE residents

Under constructed 

One property

UAE residents


No limit 


Under constructed 




Two properties 

Reviews & Ratings

4.6 / 5 (based on   18,147 +google icon reviews)

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