ADCB
Green Home Loan

Salaried

• Completed application form
• Proof of booked property (if any) 
• Declaration of source of down-payment
• Valid Passport, Visa & EIDA Card copy
• Last 6 months bank statements copy
• Salary Certificate, issued to ADCB and dated 30 days or less from date of loan application
• Salary transfer letter (if transferring salary to ADCB)
• Details of existing loans/liabilities

Self Employed

• Completed application form
• Proof of booked property (if any) 
• Declaration of source of down-payment
• Valid Passport, Visa & EIDA Card copy
• Last 6 months bank statements copy for both personal and company accounts
• Last 2 years audited financial statements copy (For loan value greater than AED 2.5 Million)
• Valid Trade License copy (If applicable: Memorandum of Association/Articles of Association/Share Certificates)
• Details of existing loans/liabilities

All UAE residents (UAE Nationals and Expatriates) and non-residents earning sufficient income from either a salary or from running a company (self-employed), are eligible to apply for an ADCB Mortgage (Min AED 75,000 pm average credit turnover for self employed) The applicant if an UAE resident (Nationals & Expatriates), must be aged 21 and above, and if a Non-resident must be aged 25 and above to be eligible for a mortgage from ADCB.

Employment Category

UAE Nationals : Salary AED 8000
Expatriate Residents : Salary AED 15000
Non-residents :  Not Applicable: Minimum AUM with ADCB 200,000
Self-employed average credit turnover  AED 75,000 p.m.

• Loan Processing Discounts: As a valued customer, you'll benefit from special discounts on loan processing fees, reducing the overall cost of securing your green home loan.
• Environmentally Conscious Living: By choosing a sustainable home built with eco-friendly materials and energy-efficient systems, you'll contribute to a greener future while enjoying a healthier and more sustainable living environment.
• Reduced Carbon Footprint: Green Home Loans empower you to make a positive impact by supporting the purchase of energy-efficient homes, reducing your carbon footprint, and combating climate change.
• Enhanced Property Value: Investing in an environmentally friendly home not only benefits the planet but also adds value to your property. Green homes have a higher resale value and appeal to eco-conscious buyers.
• Expert Guidance and Support: Our dedicated team of professionals will guide you through the entire loan process, ensuring a smooth and hassle-free experience as you embark on your green home ownership journey.
• Join an Eco-Conscious Community: By opting for a Green Home Loan, you become part of a community of like-minded individuals committed to creating a sustainable future, with opportunities for networking, sharing experiences, and learning from each other's green initiatives.
• Take the first step towards a sustainable future with our Green Home Loans and enjoy exclusive benefits that align with your environmental values.
• Option of Islamic or Conventional Home Finance
• 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
• Repayment tenure of up to 25 years
• Flexibility of partial settlement during the duration of the loan