First Abu Dhabi Bank (FAB)
First Abu Dhabi Bank Home Loans

• Rates as low as 2.75%
• Borrow up to 80% of the value of your home
• Flexible repayment schedule
• Choose the rates and durations that suit you
• Borrow up to AED 20m
• Life and property insurance coverage
• Processing fees as low as 1%
• Solutions available for UAE nationals, GCC nationals (both UAE resident and non-resident), and other expats living in the UAE

Starting from 1.99% per year for a two-year fixed interest rate.

Multiple fixed-rate options available so you can choose the payments and durations that suit you:
- 2 years starting from 1.99% per year
- 3 years starting from 2.19% per year
- 5 years starting from 2.49% per year

*Applicable rate shall apply after completion of the selected introductory period of 24 or 12 months.

Terms and conditions apply.
Features and benefits are subject to alteration/cancellation.

• No approval-in-principle fees. Check your eligibility at no cost.
• Reduced processing fee: 0.5% + VAT
• Down Payment : 15% for UAE Nationals and 20% for ResidencesDown Payment  
  • Borrow up to 85% of the value of your home for UAE national first-time buyers
  • Borrow up to 80% of the value of your home for expat first-time buyers
• Borrow up to AED 20 million
• Shariah compliance also is applicable

Buyout Loans

• No processing fees on buyout Loans
• Refund of valuation fees up to AED 3,000 per property
• Refund of up to AED 10,000 per property for buyout fees

After the introductory period, all rates will revert to a variable rate based on the bank defined mortgage base rate and a pre-agreed margin.

Enjoy our fixed rate mortgages of up to five years : 

• One year fixed rate from 3.94% with a salary transfer to FAB account* and 4.24% without salary transfer to a FAB account**.
• Two year fixed rate from 3.94% with a salary transfer to FAB account* and 4.24% without salary transfer to a FAB account**.
• Three years fixed rate from 3.94% with a salary transfer to FAB account* and 4.24 without salary transfer to a FAB account**.
• Five years fixed rate from 4.19% with a salary transfer to FAB account* and 4.44% without salary transfer to a FAB account**.

FAB Rewards equivalent of up to AED 10,000 for customers who transfer their salaries to a FAB account, take Mortgage, Credit cards and open Isave account

   Enjoy FAB's fixed rate mortgages of up to five years :  

• One year fixed rate from 3.94% with a salary transfer to FAB account* and 4.24% without salary transfer to a FAB account**.
• Two year fixed rate from 3.94% with a salary transfer to FAB account* and 4.24% without salary transfer to a FAB account**.
• Three years fixed rate from 3.94% with a salary transfer to FAB account* and 4.24% without salary transfer to a FAB account**.
• Five years fixed rate from 4.19% with a salary transfer to FAB account* and 4.44% without salary transfer to a FAB account**

Other great benefits include :

• Get  market-leading*  rates  when you transfer your salary to a FAB account. You’ll also get to choose a FAB credit card to complement your loan, if you do not already hold one
• Plus earn up to AED 12,500 cashback when you transfer your salary to a FAB account and open an iSave Account with our Multi Product Package offer** Learn more
• 60-day grace period before your first instalment or 120-days for mortgage transfers
• Refund of early settlement and valuation fees for mortgage transfers
• Waivers of processing fees for mortgage transfers
• Up to 85% financing for first-time buyers
• No approval-in-principle fee
• Exclusive deals on processing fees and discounted valuation fees on properties with major developers

Conditions apply : 

• Market-leading designation is applicable solely to the one and two year fixed periods, as substantiated by recent market studies, however this designation may no longer reflect current market conditions
• The subsequent mortgage rate you’ll move to when your current deal ends is equivalent to the Mortgage Base Rate (MBR) minus 5% or 3 months EIBOR + 1.5% for customers with a salary transfer to a FAB account, and it will not fall below a specified rate of 1.99% over an agreed period of time.
• The subsequent mortgage rate you’ll move to when your current deal ends is equivalent to the Mortgage Base Rate (MBR) minus 4.5% or 3 months EIBOR + 1.89% for non-salary transfer customers, and it will not fall below a specified rate of 1.99% over an agreed period of time
  

Enjoy fixed profit rates for up to five years if you have an existing FAB/FAB Islamic credit card or if you apply for an Islamic Credit card

Enjoy fixed profit rates for up to five years if you have an existing FAB/FAB Islamic credit card or if you apply for an Islamic Credit card

With a salary transfer to a FAB Islamic savings account and a credit card 

• Fixed profit rate period of One, Two and Three years 3.94%, and Five years 4.19% 

Without a salary transfer to a FAB Islamic savings account

• Fixed profit rate period of One, Two and Three years 4.24%, and Five years 4.44%

Other great benefits include:

• Get market-leading* profit rates when you transfer your salary to a to a FAB Islamic account. You’ll also get to choose an Islamic credit card to complement your financing, if you do not already hold one
• 60-day grace period before your first instalment or 120-days for home finance transfers
• Refund of early settlement and valuation fees for home finance transfers
• Waivers of processing fees for home finance transfers
• Up to 85% financing for first-time buyers
• No approval-in-principle fee
• Up to AED 12,500 in FAB Islamic Rewards when you transfer your salary to a FAB Islamic Savings Account and obtain FAB Islamic Credit Cards (1 AED = 250 FAB Islamic Rewards)
• Exclusive deals on processing fees and discounted valuation fees on properties with major developers

 Terms and conditions apply.

• Market-leading designation is applicable solely to the one and two year fixed periods, as substantiated by recent market studies, however this designation may no longer reflect current market conditions
• The subsequent profit rate you’ll move to when your current deal ends is three month EIBOR + 1.5% profit margin for customers with a salary transfer to a FAB Islamic savings account and it will not fall below a specified rate of 1.99% over an agreed period of time.
• The subsequent profit rate you’ll move to when your current deal ends is three month EIBOR + 1.89% profit margin for non-salary transfer customers and it will not fall below a specified rate of 1.99% over an agreed period of time.