ADIB Home Loan Eligibility in UAE

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Abu Dhabi Islamic Bank, aka ADIB, is one of the most popular banks among UAE banking customers providing affordable home loans. With competitive interest rates, flexible repayment periods, high loan amounts and easy processing, ADIB makes it a breeze to get approved for mortgage loans in the UAE.

However, to ensure that your loan application runs successfully, you must first complete the basic eligibility requirements for ADIB home loans in UAE. This article attempts to cover everything you need to know about ADIB home loan eligibility criteria for successfully filing your application.

ADIB Home Loan Eligibility

Banking customers in the UAE may apply for flexible ADIB house loans as long as they meet specific eligibility requirements set by the bank. The eligibility requirements may change as per the product that you pick. Given below is a checklist of all the eligibility requirements set by ADIB for their home loan products:

Eligibility Requirements


Minimum Age Requirement

21 years

Maximum Age Limit

  • 70 years for UAE Nationals
  • 65 years for UAE Ex-pats

Salary Requirement

  • AED 10,000 per month for UAE Nationals
  • AED 15,000 per month for Expatriates
  • AED 3,000,000 yearly turnover for self-employed individuals

Residency Requirements for ADIB Mortgage Loans

Home Loan Plan

Eligibility Requirements

Property Buyout

UAE Nationals and Ex-pats

Non-Resident Finance

Non-Residents of the UAE

Finance Against Property

UAE Nationals and Ex-pats

Why is it important to fulfil loan eligibility requirements for ADIB Mortgage Loans?

The home loan eligibility requirements are set to determine the creditworthiness of the applicants and to ensure optimum loan amount disbursement. The banks rely on strict guidelines to determine whether a person is creditworthy and responsible enough to properly manage a home loan. Banks only provide loans to applicants who can repay them on time. Fulfilling the minimum eligibility requirements will ensure that your applications get approved. Whereas, exceeding them ensures that you receive a low rate of interest and high loan amount.

Frequently Asked Questions

What is the maximum age limit for ADIB home loan applicants?

Applicants up to the age of 70 years are eligible for ADIB home loans.

How old do I need to be in order to be eligible for a home loan from Abu Dhabi Islamic Bank?

Applicants need to be at least 21 years old to apply for an ADIB home loan in UAE.

What is the minimum monthly salary requirement for an ADIB home loan in UAE?

Abu Dhabi Islamic Bank has set the salary requirement to AED 10000 per month for UAE Nationals and AED 15000 per month for ex-pat customers. AED 3,000,000 yearly turnover is required for self-employed individuals.

Can I apply for an ADIB mortgage loan in UAE as a business owner?

Yes, both self-employed and salaried individuals are eligible for ADIB mortgage loans.

How to apply for an ADIB mortgage loan?

You can visit the ADIB bank website and follow their loan application procedure to apply for a home loan. Alternatively, you can apply for the same from the home loan page of

Can I transfer my ongoing home loan to ADIB Bank?

Yes, you can transfer any ongoing home loan plan to Abu Dhabi Islamic Bank. 

Is it possible to get approved for a home loan without meeting the eligibility requirements?

No, the bank will reject applications if the applicant does not fulfil the eligibility criteria.

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