ADCB enables you to apply for home loan, mortgage loan, or even compare the best bank for home loan options for buying a property in the UAE. With up to 85% financing for UAE Nationals, you can own your dream home with structured repayments and support.
Interest rates start from 4.74% per annum (segment-specific) with tenures up to 25 years for residents. The solution is also open for non-residents, subject to eligibility.
Is ADCB a good bank?
ADCB is a licensed UAE bank, fully regulated by the Central Bank, and offers a range of property and personal loan online apply options. All terms, rates, and requirements follow UAE consumer protection laws and banking regulations.
Before choosing any loan, always consult the official website and review the Key Facts Statement.
Main characteristics of ADCB Standard Mortgage Loan
- Hybrid and variable rate structures (choose what fits your need)
- Up to 85% financing for UAE Nationals, 80% for Expatriates, 50% for Non-residents
- Maximum tenure: 25 years for residents, 15 years for non-residents
- Property and life insurance required
- Flexible partial settlement and ability to switch between mortgage variants
Disadvantages
- Early settlement penalties apply
- Failure to pay may result in loss of property and affect credit score
Here is advice for you
Review all documentation requirements and Key Facts before applying.
Understand that your eligibility, rates, and loan amount will depend on your profile, down payment, and residency.
Requirements to apply for this loan
- UAE Nationals: Up to 85% financing
- Expatriates: Up to 80% financing
- Non-residents: Up to 50% financing
- Valid identification and property documents
- Satisfactory credit assessment and documentation
المتطلبات:
- مواطنو دولة الإمارات العربية المتحدة: تمويل يصل إلى 85٪
- المقيمون: تمويل يصل إلى 80٪
- غير المقيمين: تمويل يصل إلى 50٪
- تقديم المستندات المطلوبة وهوية سارية
- اجتياز تقييم الائتمان
How to apply for the loan
- Complete application form
- Provide proof of property and down payment source
- Submit valid ID, bank statements, and income proof
- Meet the minimum down payment and eligibility criteria
- Await property evaluation and approval
Apply for your Loan
If you are looking to apply for mortgage loan, get a personal loan, or compare best bank for mortgage loan options in the UAE, ADCB provides clear terms and dedicated support. Review all terms and conditions before signing your contract.
Disclaimer
This content is for informational purposes only and is not issued or endorsed by ADCB. All terms and rates are subject to change and regulatory approval. Please refer to the bank’s official website and Key Facts Statement for the most accurate and updated information.
إخلاء المسؤولية
هذا المحتوى لأغراض إعلامية فقط ولم يتم إصداره أو اعتماده من قبل بنك أبوظبي التجاري. جميع الشروط والأسعار قابلة للتغيير وتتطلب موافقة الجهات التنظيمية. يرجى الرجوع إلى الموقع الرسمي للبنك وبيان الحقائق الرئيسية للحصول على أحدث المعلومات وأكثرها دقة.