ADCB Mortgage Services

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

Buying a home that can be termed your ‘own’ is something aspired for by several individuals. While one can always finance the purchase on their own, taking mortgage loans is a readily and easily available option in the UAE. However, equally vital is possessing a fundamental understanding of how mortgages in UAE work. With that said, the UAE has always been a popular destination for properties regarding homes for both nationals as well as ex-pats. So if you are looking for the right mortgage loan in UAE, ADCB can be an ideal choice.

Having established itself as a leader in banking services, Abu Dhabi Commercial Bank (ADCB) has also developed a remarkable status in providing ADCB mortgage loan. Let’s learn more about the types of loan and mortgage services provided by ADCB in detail. 

ADCB Mortgage Services

  • Minimum Salary AED 8,000
  • Flat Rate 3.99%
  • Reducing Rate NA
  • Down Payment 20%
  • No Salary Transfer

All UAE residents with a sufficient income, including nationals as well as expatriates, can apply for a mortgage loan. The applicant, who could be salaried or self-employed, must be over the age of 21 years. For non-residents wishing to apply for ADCB mortgage services, the applicable minimum age limit is 25 years.

For more details regarding ADCB Mortgage Services, the following section will prove helpful. 



Minimum income to take an ADCB mortgage loan

AED 8,000 per month 

Mortgage Amount 

Minimum: AED 250,000 

Maximum: AED 24,000,000 

Applicable Interest Rate

Starts from 2.75% annually 

Rate of interest

Hybrid Rate Option

Variable Rate Option

Pre-payment of loan

Allowed anytime with an Early Settlement Fee

Maximum Loan Tenure

25 years for UAE Residents

15 years for Non-Residents

Rescheduling of mortgage loan


Deferment of mortgage loan

Not allowed

Life and property insurance


ADCB Mortgage Services - Features & Benefits

Let’s first take a look at the list of features and benefits offered under ADCB Mortgage Services:

  1. Quick solution - With instant and minimal documentation, the bank makes quicker disbursal of the loan amount.
  2. Adequate repayment tenure - When you take a mortgage loan, you may need a long time to repay the amount without reducing other expenses significantly. With ADCB bank allowing a repayment tenure of 25 years, you can easily manage the repayment.
  3. Affordable interest rates - Interest rates play a crucial role when you take a mortgage loan, with a marginal increase or decrease bringing a major difference. ADCB home loan rates are quite affordable, being among the best ones in the UAE, which makes for a burden-free loan repayment experience.
  4. Mortgage managers - When you take a mortgage loan from ADCB, you also get the option of expert guidance.  The mortgage relationship managers of ADCB can provide you with any required guidance.
  5. Early Settlement - ADCB allows users to pre-pay their mortgage loan (either whole or partial) while charging a minimal fee for the same.

Cashback Back & Free Airport Lounge Access - Policybazaar uae

Documents Required for ADCB Mortgage Services 

The documents required for applying for ADCB mortgage loans are -

  • Duly filled and signed application form
  • Passport and Visa
  • Last 6 months’ bank statement copy
  • Salary certificate for the past 30 days
  • Details about existing liabilities and loan
  • EIDA card copy
  • Letter of Salary transfer 
  • Booked property proof and proof of down-payment source

Self-employed people will need to submit -

  • Audited financial statement copy of past 2 years 
  • Copy of the Trade licence 

Eligibility Criteria for ADCB Mortgage Services 

As mentioned earlier, several conditions apply when an individual applies for a home loan with ADCB like the minimum age of 21 (or 25) years, and so forth. Let’s have a look now at the key criterion, i.e., the monthly income requirement, that you must qualify for an ADCB mortgage:


UAE Nationals

Expats Residents 

UAE Non-Residents


Self-Employed Applicants

AED 75,000 (average credit turnover)

AED 75,000 (average credit turnover)


Salaried  Applicants

AED 8,000

AED 15,000 

AED 25,000

Note: All the mentioned figures in the table are applicable per month.

How to Apply for ADCB Mortgage Services? 

When applying for a home loan in UAE via ADCB Mortgage Services, you can either apply through the bank website or by visiting any branch of ADCB. You can then fill out the loan form and submit it along with the required documents. As soon as the verification is complete, the bank will contact you for the next steps. 

Notably, you can also apply for ADCB Mortgage Loan via Policybazaar UAE. The process is fairly simple and allows you the added option of viewing and comparing the best available plans in the UAE. Here is how you can apply with us 

  • Step 1 - Visit the home loans section on our website.
  • Step 2 - Enter your personal and contact details in the loan form for your selected plan.
  • Step 3 - Compare the quotes and click on Apply. Your application will be submitted instantly and an expert will soon get in touch with you.

Top Reasons to Choose ADCB Mortgage Services

The well-established UAE mortgage market is attracting nationals as well as foreign buyers to purchase properties in the UAE. With the right mortgage loan, you can easily move closer to your dream of a property in the Emirates. ADCB offers clarity and reliability that leads to better customer support and trust. The ADCB Mortgage Services allow you the options of conventional and Islamic home loan finances, both of them equally popular. 

The quick loan disbursal makes the entire process of loan acquisition hassle-free. Another key advantage of seeking a loan from ADCB is that you get the expertise of a dedicated Relationship Manager who guides you throughout the loan journey.  

Before you apply for the ADCB home loan plan, check out some more details relevant to it.


I am not an ADCB customer, can I apply for a mortgage loan?

Yes, you can apply although opening a current account is mandatory to get a mortgage loan. This account will serve as your repayment account.

Do I have to buy life and property insurance from ADCB to get a mortgage loan?

Yes, it is mandatory to have life and property insurance. For your convenience, the bank offers affordable insurance to its mortgage customers.

How do I calculate the mortgage loan?

You can check out the Mortgage loan calculator to get an estimate of the monthly instalment that you would have to pay. A mortgage loan calculator online is a free tool that can be used any number of times. Moreover, you can also increase or decrease the variables and reach a loan amount and tenure that best suit you.

Reviews & Ratings

4.6 / 5 (based on   18147 google icon reviews)

More From Home Loans