Constructed Property Home Loans with
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.

• Financing of up to AED 20 million for UAE Nationals
• Six months optional grace period (for Salary Transfer customers)
• ADIB paid property insurance for the full tenure
• Financing of up to 80% of the property value
• No early settlement fees when selling the property
• Free partial settlement of up to 30% outstanding annually
• Salary transfer is optional
• Financing available for self-employed applicants

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 year 3.99%, Three years 4.24% and Five years 4.49%
Without a salary transfer to a FAB Islamic savings account**
Fixed profit rate period of One year 5.24%, Three years 5.24% and Five years 5.24%

Other great benefits include:

• More flexibility with our variable profit rates: One-year variable profit rate from 0.55% per year + 3 months EIBOR for the first year and 1.5% per year + 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 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
• Own your dream home today with FAB Islamic Home Finance.

*The subsequent profit rate you’ll move to when your current deal ends is 3 months 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 3 months 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.