Key Benefits

Financing upto AED 10 million for Nationals and Expatriates

No early settlement fees

Profit rates starting from 3.99% per annum

Up to six months optional grace period

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Financing Amount

Up to AED 10 million for Nationals and AED 15 million for Expatriates Up to 80% of property value

No early settlement fee

No early settlement fees when selling the property

Competitive Profit Rates

Starting from 3.99% per annum

Grace Period

First payment postponement up to 6 months (optional).

Property Takaful (insurance)

Property insurance for the full tenure paid by ADIB

ADIB Gold Priority Banking

Automatic upgrade to ADIB Priority Status (for Salary Transfer customers)

Documents you'll need

  • Valid Passport with residence visa copy & Emirates ID
  • Khulasat Al Kaid (Family book for UAE Nationals only)
  • Salary certificate
  • Ownership documents for self-employed individuals
  • Proof of Income
  • Bank statements
  • Liability letter (if applicable)
  • Property documents


  • Monthly salary AED 10,000 for UAE Nationals & AED 15,000 for Expatriates
  • Annual turnover of AED 3,000,000 for Self-employed UAE Nationals and Expatriates
  • Minimum age of 21 Years [30 years for Self-employed] and maximum of 70 years at maturity [70 years for Expatriates]
  • Properties located in all emirates for salaried customers
  • Properties located in Abu Dhabi and Dubai only for Self-employed customers