ADIB Home Finance

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
ADIB Home Finance Details

Minimum salary for taking ADIB Mortgage loan

Nationals - AED 10,000 per month

Expatriates - AED 15,000 per month

Interest rate starting at

2.49% per annum

Maximum loan tenure

25 years 

Properties sanctioned

More than 1

General age bar

21 to 70 years of age

Maximum loan granted 

AED 30 million

Grace period for salary transfer customers 

6 months

Partial settlement 

Up to 30% of the outstanding balance annually

Joint applications


Apply for ADIB Home Finance 

The satisfaction of savouring the feeling of your own house is unparalleled. However, while buying a home, several arrangements have to be made so that you get the perfect house without straining your finances. The first and the most fundamental factor here is the arrangement of the required capital for purchasing your home. While you will find several plans related to home loan in UAE, one of the best ones available there is the ADIB mortgage loan which can help you purchase your ideal home at affordable rates. 

With the assistance provided by ADIB home finance, you can relax and search for a home while letting your finances get managed by your ADIB home loan.

ADIB Home Finance

  • Minimum Salary AED 20,000
  • Flat Rate 3.99%
  • Reducing Rate NA
  • Down Payment 25%
  • Online Application

Features and Benefits of ADIB Home Finance

Listed below are the various features and benefits that you get to enjoy with the ADIB Home Finance

  • Finances for Your Need - No matter if it's your ready-to-move property or an under-construction one, ADIB Bank home finance is all built to serve customers having different requirements. It should be noted that the maximum permissible finance amount varies as per the type of the home loan in UAE taken.
  • High Finances Available for Buyout - If you opt for the buyout option when going for an ADIB home loan plan, you can get finances up to AED 30 million whether you are an expatriate or a national.
  • Affordable Rates and Longer Tenure - With annual profit rates for certain plans beginning at 2.49%, individuals can easily invest in properties in the UAE by opting for the right ADIB home loan plan. Similarly, with the maximum allowed duration for the ADIB home loan in UAE being 25 years, customers can easily manage other finances while easily making monthly instalments for their home loan plan.
  • Finance Transfer - If you have an existing mortgage loan with another financial institution, you can transfer this finance to ADIB and avail of lower installments for ADIB Home Finance.
  • Renovate Your Place - Besides home loan in UAE for purchasing new properties, ADIB also provides financial aid to renovate your existing home or construct a home on your pre-owned land. Under this category of loan, you can get an amount of up to AED 10 million at an annual profit rate of 4.75%.
  • Calculate Your Plan - With the easy-to-use calculator of ADIB Home Finance, you can easily calculate the interest rate and repayment tenure with a few simple steps. All the calculations are completed once you provide a few details like your preferred loan repayment tenure, loan amount, income, age, etc. 

Documents Required for ADIB Home Finance 

There are a few documents that one needs to submit to the bank in order to avail of the ADIB Home Finance plan. Whether you plan to visit the branch or opt for the online mode to apply for the mortgage loan, make sure that you have a look at this list and keep these documents ready to quickly apply for the loan –

  • Valid Passport 
  • Khulasat Al Qaid
  • Salary certificate 
  • Income proof
  • Bank statement of the previous 3 months 
  • Ownership documents (for Self-Employed) 
  • Liability letter 
  • Property documents
  • Contractor and consultant report 

One thing to remember here is that individuals seeking a mortgage loan in UAE through ADIB may be asked to present further documents if required. 

Eligibility Criteria for ADIB Home Finance

ADIB Bank requires its customers to fulfil some basic eligibility criteria before they apply for a loan. You can check out the major eligibility criteria for ADIB Bank Home Finance given in the table below -




UAE Nationals and Expatriates 


21 to 70 years 


Salaried or self-employed 

Properties included

Properties located in all Emirates

Besides these criteria, one has to also meet the minimum salary limit to get the ADIB mortgage loan. The table below shows the same –


Minimum Monthly Salary 


AED 10,000 


AED 15,000

How to Apply for ADIB Home Finance?

In order to get an ADIB home loan, you must be aware of how to apply for ADIB Home finance. Both offline and online methods can be followed to get the loan benefits as per your preference. If going through the traditional process (offline), you will need to visit the nearest ADIB branch and connect with an executive at the branch, who will further guide you regarding the process. 

On the other hand, you can also apply for ADIB Home Loan easily by visiting the official website of the ADIB branch. Obtain the application form for your chosen plan and submit it along with documents to avail of the loan. 

Apart from this, you can also get an ADIB Home Loan from Policybazaar UAE at ease from your home. allows you to easily compare various loan plans to get the most suitable one for yourself. Here are the easy steps to buy a home loan in UAE plan with us -

  • On our website, visit the home loans section. 
  • Click on apply and enter the required details as asked.
  • Fill up the loan form properly and re-check the entered credentials.
  • Compare different quotes and click on the one you require.
  • Submit the application form for that plan and the specified documents. An executive will soon connect with you for further details and formalities.

Cashback Back & Free Airport Lounge Access - Policybazaar uae

Reasons to Choose ADIB Home Finance

ADIB has been among the leading choices in the UAE for loan seekers. Besides home finances, the bank also provides other types of loans related to vehicles, education, travel, and more. Moreover, the provision for Islamic banking by the bank gives further options to people in the country. All the mentioned features, combined with the quick loan approval process, make ADIB Home loan a suitable option for customers in the UAE.


What is a mortgage loan calculator?

A mortgage loan calculator is a digital tool that provides the customers with a quick insight into the premium to be paid for a home loan. ADIB mortgage loan calculator requires a few details like tenure, loan amount, down payment, etc., to calculate the premium instantly.

What happens if I don’t make the repayment?

A home loan is disbursed on the condition of successful repayment. If you fail to do so, the property or the collateral may get confiscated. It is also not good for the credit score and credit history of any individual and may prove an obstruction for future loans.

Do mortgage loans and loans against property mean the same thing?

Mortgages and home loans are often used interchangeably in the UAE. While they are mostly similar, the basic difference lies in the secured status of these loans. A home loan is given without additional collateral, i.e., the property for which you took the loan will get confiscated if you fail with the loan repayment. In a mortgage, on the other hand, a separate property listed as the collateral at the time of purchase will be sieged.

Is it mandatory to have insurance when taking a home loan in UAE?

Yes, you need to have either life insurance or mortgage insurance to get a mortgage loan in UAE. The terms and conditions may differ as per the bank. 

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