ProviderTop FeaturesHighlights

ADCB Standard Home Loan

 ★ ★ ★ ★ Average Rating

ADCB Standard Home Loan


  • This finance has the option of sharia-compliant or conventional
  • A maximum loan amount of AED 24,000,000 is provided
  • The processing fee for Aspire, Privilege Club, and Excellency customers is 1.05% of the finance amount.
  • Financing up to 85% of property value for UAE Nationals and 80% for Expatriates.
  • Competitive Interest Rates with following structures:
    • Hybrid Structure – Fixed for initial years and variable thereafter
    • Variable Rate Structure – Based on relevant EIBOR + Margin
  • The flexibility of partial settlement during the duration of the loan
  • 200 TouchPoints will be awarded for every AED 1,000 of loan amount,
  • Finance is offered for ready and under-construction properties.
  • The early settlement fee for this finance is 3.15% of the outstanding amount (principal + profit) to date.


  • Minimum Salary Requirement: AED 8,000 for both UAE local and Expats
  • Minimum Length of Service Required: 6 months for salaried & 2 years for self-employed
  • Salary Transfer: Not compulsory.
  • Minimum Down payment: 20% for UAE Local and 25% for Expats.

Documents Required

Basic Documents:  

  • Valid Passport, Visa, and Emirates ID Copy.
  • Offer letter copies of all personal ongoing finance.
  • Property documents (If the property is finalized or equity release).
  • Liability letter (In case of Buyout only).
  • Relevant property documents.

For Salaried:

  • Latest salary certificate addressed to ADCB BANK.
  • Latest 6 months personal bank statement.
  • Six months payslips if there is variance in salary.

For Self-Employed:

  • Valid trade company license.
  • MOA (Memorandum of Association) including all amendments.
  • Latest 6 months personal bank statement.
  • Latest 6 months company bank statement.
  • Audit financials of the last 2 years.
  • Offer letter copies of all company ongoing finance (for self-employed).

    Let us help you get your Mortgage Loan

    Please fill in the details to receive a call back