ADCB
Mortgage Home Saver

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

ADCB Mortgage Services are open to all eligible UAE residents (Nationals and Expatriates). All UAE residents (Nationals & Expatriates) aged 21 or older, can apply for a Home Saver Mortgage Loan. The Home Saver Mortgage Loan is also not applicable as an Islamic Loan, or on Under Construction Properties. For more details, please refer to ADCB standard Mortgage Policy.

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.

• 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
• Variable Rate Structure - Based on relevant EIBOR + Margin
• Repayment tenure of up to 25 years