First Abu Dhabi Bank (FAB) Home Loans with
Variable And Fixed Interest Rate

• 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.

• One year fixed rate from 3.99% with a salary transfer to FAB account* and 5.24% without salary transfer to a FAB account**.

• Three years fixed rate from 4.24% with a salary transfer to FAB account* and 5.24% without salary transfer to a FAB account**.

  Five years fixed rate from 4.49% with a salary transfer to FAB account* and 5.24% without salary transfer to a FAB account**.

• We offer a range of fixed rate mortgages of up to five years for 5.24%*
• FAB Rewards equivalent of up to AED 12,500 for customers who transfer their salaries to a FAB account, take Mortgage, Credit cards and open Isave account

• Enjoy our fixed rate mortgages of up to five years: 
  • One year fixed rate from 3.99% with a salary transfer to FAB account* and 5.24% without salary transfer to a FAB account**.

  • Three years fixed rate from 4.24% with a salary transfer to FAB account* and 5.24% without salary transfer to a FAB account**.

    Five years fixed rate from 4.49% with a salary transfer to FAB account* and 5.24% without salary transfer to a FAB account**.

• FAB offers a range of fixed rate mortgages of up to five years for 5.24%**
  • More flexibility with variable rates:
  • One-year variable rate from 0.55% + 3 months EIBOR for the first year and 1.5% + 3 months EIBOR from the second year onwards
  • Up to 85% financing for first-time buyers
  • No approval-in-principle fee
  • Up to AED 12,500 in FAB Rewards when you transfer your salary to a FAB account, Credit card, and Isave account*
  • Exclusive deals on processing fees and discounted valuation fees on properties with major developers

Own your dream home today with a FAB Home Loan. 

*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.

Credit card is mandatory to secure lower 1, 3 and 5-year fixed rates for salary transfer.