Abu Dhabi Commercial Bank
Home Loan UAE Nationals

Option of Islamic & Conventional Home Finance Fixed Rate Options Repayment period of up to 25 years Financing up to 80% of property value Competitive interest rate options Flexibility to partially settle your mortgage loan anytime Refinancing Options

New to DIB customers who transfer their salary to DIB get a reward on credit of their first salary in addition to a host of privileges across the bank.

Get First Step Qualified instantly and know your maximum finance amount and tenure

Flexibility to choose your monthlies by designing your profit rate structure & review period as per your preference. Your options are:

Variable rate option

• Flexibility to choose your EIBOR review period.
• Fixed margin for life linked to EIBOR with a choice of 3, 6 or 12 month review frequencies.
• Just choose the review period you prefer.

Fixed rate option

• Fixed rate for the life of the finance (Only DIB offers fixed rate via Ijarah contract).
• Don’t worry about the rising EIBOR trends.

Introductory FIXED rates.

• Choice from 1, 3-years up to 5-years fixed introductory rates. (subject to DIB offering the specific fixed rate period)
• Follow-on variable rate comprises of a low margin + choice of either 3|6|12 month EIBOR review.

• Dedicated ADCB Mortgage Centres will ensure a convenient, seamless, and stress-free home-buying experience
• Own your home faster– loan tenure can be reduced by up to 15 years* on a loan term of 25 years
• More savings on interest cost – enjoy up to 90%* savings on interest cost on a 25-year loan term
• Flexibility and control – a unique loan account linked to a highly flexible interest-bearing bank account
• Experienced and dedicated Mortgage Relationship Managers to guide you through the entire loan process
• Dedicated after-sales mortgage service and helpline
• Ability to switch to a different mortgage variant anytime during the loan maturity period
• Conventional Finance available
• Financing up to 85% of property value for UAE Nationals and 80% for Expatriates.
• Competitive Interest Rates with the following structures:
  • Hybrid Structure - Fixed for initial years and variable thereafter
  • Variable Rate Structure - Based on relevant EIBOR + Margin
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• Variable Rate Structure - Based on relevant EIBOR + Margin
• Repayment tenure of up to 25 years