ADIB Home Finance for Expats

    Min SalaryAED 15,000
    Flat Rate (est. equivalent)2.06% p.a.
    Reducing Rate (As Advertised)3.75% p.a.
    Arrangement Fee0%
    Down payment25%
    Max Finance Amount10,000,000
    Early Settlement Fee1%



    • Free property insurance for the entire tenure
    • Optional grace period up to six months
    • Automatic priority status upgrade
    • Life insurance financing.


    • This finance is sharia-compliant.
    • For your first property, the down payment is 25% if the property value is under AED 5M and 35% if property value is above AED 5M. For your second property, the down payment is 40%.
    • Finance repayment period of up to 25 years.
    • You require a minimum salary of AED 15,000 per month to be eligible
    • It is not a requirement to transfer your salary to apply
    • For salary transfer customers there is no processing fee for new purchases, owner to owner transfers or refinance. For non salary transfer customers the processing fee is 0.50% of financing amount or AED 5,000 (whichever is higher).
    • The early settlement fee is applied as per UAE Central Bank policy, which is 1% of the outstanding amount (principal + profit) to date, or AED 10,000, whichever is lower. The bank has the discretion to waive any or all of the total outstanding profit.
    • You get free of charge fire Takaful cover. Life Takaful is mandatory.
    • The variable interest rate is 3.75% (based on the Central bank’s 3 month EIBOR plus a bank margin).
    • The variable interest rate is based on the Central bank’s 3 month EIBOR plus a bank margin.
    • For Salary transfer customers variable rate option from 3.75% (based on Central bank’s 3 month EIBOR rate plus a margin of 2.75%). For non-salary transfer customers a variable rate option start from 3.99% (based on Central bank’s 3 month EIBOR rate plus a margin of 2.99%).
    • Burooj Properties; Bani Yas Real Estate; Bloom Real Estate; Sorouh Real Estate; Manazel Real Estate; Aldar Properties; TDIC (Tourism Development and Investment Company) & Any ready property in Dubai with title deed.

    ADIB - Dubaisavers

    More on ADIB 

    Abu Dhabi Islamic Bank was established on 20th May 1997 as a Public Joint Stock Company through the Amiri Decree No. 9 of 1997. The Bank commenced commercial operations on 11th November … see more..

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