ADCB Standard Mortgage Loan

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  • Flexible repayment periods up to 25 years
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If you are looking for a mortgage loan in UAE, ADCB can be a worthy option. Take a look at the various parameters you need to consider when opting for this ADCB home loan: 

ADCB Standard Mortgage Loan

Minimum monthly salary required for the loan

For UAE Nationals: AED 8,000 

For Expatriates: AED 15,000 

For non-residents: AED 25,000 

Self-employed nationals and ex-pats need to a have a credit turnover of AED 75,000 per month

Mortgage Loan Amount 

Minimum: AED 250,000

Maximum: AED 24,000,000

Applicable Annual Interest Rate

Starting from 2.75% 

Rate of interest

Variable and Hybrid Rates available

Pre-payment of loan

Available at any time subject to an early settlement fee

Maximum Loan Tenure

25 years

Rescheduling of mortgage loan

Possible after submitting your financial documents again and getting them approved 

Deferment of mortgage loan

Not allowed

Life and property insurance

Additional fees for issuing a life or property insurance

ADCB Standard Mortgage Loan

ADCB is among the first names considered when it comes to applying for a mortgage loan in UAE. Abu Dhabi Commercial Bank, a full-service commercial bank denoted by the term ADCB, offers an array of mortgage products. With its systematic enhancements and affordable financial products, ADCB is widely preferred for several financial services in the country. So if you are looking for a home loan in UAE, the ADCB Standard Mortgage loan can be a worthy consideration.

Under this type of mortgage loan in UAE, expatriates can get up to 80% of their house value as finances, whereas UAE nationals are eligible for up to 85% of the finance. This plan also ensures flexibility in competitive interest rates, available in Hybrid and Variable forms, to help you get the most-suited home loan. Moreover, this home loan in UAE allows you to opt for partial settlement during the loan tenure. 

Features & Benefits of ADCB Standard Mortgage Loan

Given below are the benefits you can enjoy with ADCB Mortgage Loan:

  • Dedicated Assistance - You can get assistance from ADCB bank’s relationship managers at every step of your financial planning, which can provide you with clarity when you opt for an ADCB mortgage loan.
  • Exemplary After-Sales Service - Even after you receive an ADCB home loan, you will find the level of service the same as before. ADCB ensures that its customer service is just a phone call away, which is much required when you go for a mortgage loan in UAE.
  • Partial Settlement Convenience - You can pay down a portion of your mortgage loan any time you prefer without any hassle.

Documents Required for ADCB Standard Mortgage Loan

While the actual documents asked by the bank may include a few additional ones, you can make sure to keep the following documents handy before applying for an ADCB mortgage loan: 

For Salaried Individuals

For Self-Employed Individuals 

Filled out application form

Filled out application form

Passport, Visa page, and a copy of the EIDA card 

Visa page, Passport, and a copy of the EIDA card 

Copy of the last six month’s bank account proofs

Copy of the last six months’ personal and company bank account statement 

Salary pay-out proof 

Valid Trade license 

Financial loan history

Financial loan history

Documents of property registration and down payment (if relevant)

Documents of property registration and down payment (if relevant)

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Eligibility Criteria for ADCB Standard Mortgage Loan 

Similar to other banks in the UAE, a minimum monthly income limit has to be cleared by applicants if they wish to qualify for an ADCB Standard Mortgage Loan. The minimum monthly salary requirements for getting a mortgage loan in UAE with the ADCB are as follows:


Expatriate Residents 

UAE Nationals





AED 15,000 


AED 8,000 


AED 25,000 



Average credit turnover of AED 75,000 per month 

Average credit turnover of AED 75,000 per month 



How to Apply for ADCB Standard Mortgage Loan in UAE?

You can easily apply for ADCB Standard Mortgage Loan via the ADCB Bank website or its mobile app. The application process is relatively straightforward, as you would be required to fill out an application form and submit it with the necessary documents. After a thorough verification process, the bank will connect with you for further procedure and transfer the loan amount after its completion.

You can also buy an ADCB Standard Mortgage plan from Policybazaar UAE. Simply follow these simple steps

  • Step 1 - Visit, the website of Policybazaar UAE, and check out the home loans section there.
  • Step 2 - You will be prompted to fill up a short loan form with your contact and financial details.
  • Step 3 - Once the details are entered, you will be directed to a loan quotes page. Here, you can compare and analyse the quotes to pick a home loan as per your financial needs.
  • Step 4 - Once you decide to go with a particular plan, you can click on ‘Apply’ on that home loan quote. The Policybazaar team will soon contact you to facilitate your application for a mortgage loan in UAE.

While you might prefer a particular bank or a financial provider, looking at the best available options and making thorough comparisons is the only way to get the best deal for yourself in terms of benefits and costs. This is made possible with, where you can check out the major plans concerning home loan in UAE in one place. A few clicks are all you need to view, compare, and buy the mortgage loan of your choice easily with us.

Top Reasons to Choose ADCB Standard Mortgage Loan

We can now have a quick look at some reasons to choose ADCB Standard Mortgage Loan.

  1. Commercial Bank with Customer-Centric Approach : Despite being a multi-service commercial bank, ADCB is widely known for prioritising customers and providing customer-centric solutions for a home loan in UAE.
  2. Higher Loan-To-Value :Standard ADCB mortgage loans offer higher loan-to-value ratios, meaning that you will have to spend less when purchasing a home and have more funds for other financial requirements. 
  3. Longer Repayment Tenure :With the loan repayment tenure for the ADCB mortgage loan going up to 25 years, you can repay your loan in affordable monthly instalments amount without impacting your overall finances.

Before you start the process to apply for a home loan in UAE, you can keep some key factors related to ADCB standard mortgage loan in mind. 

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