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ADIB Home Finance

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ADIB Home Finance


  • Financing of up to AED 20 million for UAE Nationals & AED 15 Million for expatriates
  • Six months optional grace period (for Salary Transfer customers)
  • ADIB paid property insurance for the full tenure
  • Financing of up to 80% of property value.
  • No early settlement fees when selling the property
  • Free partial settlement of up to 30% outstanding annually
  • Salary transfer is optional
  • Financing available for self-employed applicants
  • Automatic upgrade to ADIB Priority Status (for Salary Transfer customers)
  • Transactional Cost Financing available (for Salary Transfer Customers)


  • Minimum Salary Requirement: AED 10,000 for UAE Natioanal and AED 15,000 for Expats
  • Minimum Length of Service Required: 6 months for salaried & 2 years for self-employed
  • Salary Transfer is optional.
  • Minimum Down payment: 20% for UAE locals and 25% for Expats.
  • Joint applications accepted.

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 ADIB 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).

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