ADIB Home Loan for Expats

Home Loan for Expats

Minimum Salary Required AED 15000
Max Loan Amount AED 15,000,000
Fixed Rate 2.06%
Reducing Rate 3.75%
Down Payment 25%
Minimum Salary Required AED
Max Loan Amount AED 15,000,000
Fixed Rate 2.06
Reducing Rate 3.75%
Down Payment 25%

Top Reasons To Choose

  • Free property insurance for the entire tenure
  • Optional grace period up to six months
  • Automatic priority status upgrade
  • Life insurance financing

Documents Required

  • Valid salary certificate
  • Additional income verification
  • Passport copy (plus valid resident visa for expats)
  • Bank Statement ​


  • Minimum 21 Years ​
  • Verified employment
  • Valid for UAE Residents
  • Joint applications accepted​​​ ​

Detailed Features

  • Six months optional grace period (for Salary Transfer customers)
  • ADIB paid property insurance for the full tenure
  • Financing of up to 80% of 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
  • Automatic upgrade to ADIB Priority Status (for Salary Transfer customers)
  • Transactional Cost Financing available (for Salary Transfer Customers)
  • The variable interest rate is 3.75% (based on the Central bank's 3 months EIBOR plus a bank margin)

Apply Now

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