ADCB Home Finance for Self Employed Expats

    Min SalaryAED 75,000
    Flat Rate (est. equivalent)From 1.79% p.a.
    Reducing Rate (As Advertised)From 3.25% p.a.
    Arrangement Fee1%
    Down payment30%
    Max Finance Amount15,000,000
    Fixed/VariableFixed Then Variable
    Early Settlement Fee1%



    • Finance up to AED 15,000,000
    • Long repayment tenure.


    • This finance is sharia-compliant.
    • You are required to put 30% as down payment for this finance.
    • The maximum amount of finance offered is AED 15,000,000. For first property (ready) you can get upto 70% of property value for properties up to AED 5M. Above this, up to 65% of property value. For second property (ready) you can get up to 65% of property value. For under-construction properties you can get upto 50% of property value.
    • You are required to have a monthly income of AED 75,000 to be eligible for this finance.
    • It is not a requirement to transfer your income to the bank to apply for this finance.
    • The processing fee for Aspire customers is 1% of the finance amount. Privilege Club members pay 0.75% of finance amount and Excellency Customers pay 0.50% of finance amount.
    • The early settlement fee is 1% of the outstanding finance amount, if settlement is made after the fixed rate term is over. Otherwise, the fee is 2% of outstanding finance amount.
    • Life insurance fees are 0.0275% of the outstanding finance amount per month. Property insurance fees are 0.040% per annum of property’s original value.
    • The rate is calculated on a reducing balance.
    • The profit rate starts at 3.25% fixed for the first 1 year. Thereafter, the rate is calculated on a retail base rate (RBR) based on Central Bank’s 6 month EIBOR plus a margin of 3.50% applied for the rest of the loan period.
    • The reducing rate of this finance starts from 3.25% and the equivalent flat rate is 1.79%. The calculation used is a division of the reducing rate by 1.814 and this is indicative only.
    • Finance is offered for ready and under construction properties.

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