ADIB | ADIB-Direct-faqs

What are the grand draw prizes?

You can be 1 of 46 lucky winners EVERY MONTH to win

1 Winner to win AED 1 Million
1 of 10 winners to win AED 10,000
1 of 10 Winners to win AED 5,000
1 of 25 Winners to win AED 2,000

Owner to Owner - finance a ready property, previously owned

Re-financing takeover - bring over, your home finance (e.g. from another bank) to be financed by ADIB.

Developer's financing - finance a property from major developers that we work with.

Construction financing - building (constructing) a property on a land you own or has been given to you. Up to 2 units with PHLAN programme.

Equity Release - follow your dreams, use the cash trapped in your home through purchase and lease back.

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Who can apply for ADIB Home Financing?

UAE nationals and expats residing in the UAE, aged 21 and above.

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What are the required documents?

Salary certificate

Bank statement

Additional income verification

Passport copy (plus valid resident visa for expats)

Khulaset Al Kaid (Family book - for UAE Nationals only)

Burooj Properties

Bani Yas Real Estate

Bloom Real Estate

Sorouh Real Estate

Manazel Real Estate

Aldar Properties

Emaar Properties

Nakheel Properties

Dubai Properties

The features of Instant Finance are:

Break a large transaction into smaller ones
ADIB helps the customer in financial planning / budgeting
Installment program instead of paying cash
No visit to the branch required (if availed within the “on-the-spot” limit)
No quotations addressed to ADIB
No lengthy paperwork
No queue for processing of the financing required
Very simple documentation process for non-ADIB customers
No hidden costs
On-the-spot finance approval
Availability of finance at different merchant locations across UAE

ADIB Dana offers you five convenient ways to manage your accounts wherever you are, whenever you wish.

i. ADIB Dana Network of Branches
ii. ADIB ATM Network
iii. ADIB Phone Banking Services
iv. e ADIB Online Banking Services
v. ADIB Mobile Banking Services
vi. SMS Banking Services
vii. ADIB Dana Kiosks

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What is the maximum “on-the-spot” limit available for Goods Financing?

Type of Card	UAE National	Expat
Salary Transfer customer with chip Card with Instant Finance	AED 50,000	AED 30,000
Salary Transfer customer with chip Card without Instant Finance	AED 10,000	AED 5,000
Salary Transfer customer with old magnetic strip Card	AED 10,000	AED 5,000
Those customers whose salary is not deposited in ADIB	AED 10,000	AED 5,000

Shop with retailers which are reputable and reliable
Keep a record of your online transactions e.g. bill receipt, order number, etc…
Read the merchant's terms carefully before submitting the purchase request
Read carefully the delivery arrangements, cost, tax, and other information related to the product you intend to buy
Make sure that the website is secured (https://)
Use the latest version of your internet browser and make sure that your computer's operating system is up to date

Shop with retailers which are reputable and reliable
Keep a record of your online transactions e.g. bill receipt, order number, etc…
Read the merchant's terms carefully before submitting the purchase request
Read carefully the delivery arrangements, cost, tax, and other information related to the product you intend to buy
Make sure that the website is secured (https://)
Use the latest version of your internet browser and make sure that your computer's operating system is up to date

Improved usability and efficiency with context-based menus
Customizable Dashboard with enriched information reporting and self-service MIS reports
Enhanced graphical representation of your key information
Configurable Transaction limits for greater security and payment authorization

Mobile

Intuitive mobile apps for iOS and Android smart phone / tablet users
Variety of Payment Types Available
Own Account & Within Bank Payments

Savings below AED 20,000? No worry, you can get a Gold coupon for every AED 1,000 saved and participate in the draw for other prizes

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What are the prizes that I could win with Ghina?

Ghina rewards just got bigger and better ! You can win AED 1 million monthly as a Grand Prize and 1 out of 45 other cash prizes every month - 10 prizes of AED 10,000, 10 prizes of AED 5,000 and 25 prizes of AED 2,000.

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For how long do I need to keep the funds in a Ghina account to be eligible for the draw?

The funds need to be saved and maintained for a complete calendar month (the program calculates your balance from the 1st of the month, and completion of the required month is from the 1st of one month to the 1st of the next month).

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