Key Benefits

Financing upto AED 30 million for Nationals and Expatriates

Profit rates as low as 2.49% per annum

Special rate for financing handover payments to developers

Financing upto 80% of property value

Financing Amount

Upto AED 30 million upto 80% of property valuefor Nationals and Expatriates

Competitive Profit Rates

As low as 2.49% per annum

Special rate

For financing handover payments to developers

Instant pre-qualification

Grace Period

First payment postponement up to 6 months (optional).

No Early Settlement Fees

When selling the property

Property Insurance

Paid by ADIB for full tenure

Required Documents

  • ​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

​Note: Further documents might be needed during the application process.​​


  • Monthly salary AED 10,000
  • 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

*Terms and conditions apply