Standard Mortgage/ Home Finance   Customer Category Scheme Interest / Profit Rate Floor Rate   Excellency / Emirati Excellency 3 years fixed rate & variable rate thereafter 2.75% for first 3 years,  3M EIBOR + 2.25% thereafter 2.99%   5 years fixed rate & variable rate thereafter 2.99% for first 5 years, 3M EIBOR + 1.99% thereafter 2.99%   Variable rate 3M EIBOR + 1.99% 2.99%   Salary Transfer Customers / Emirati / Privilege 3 years fixed rate & variable rate thereafter 2.99% for first 3 years,3M EIBOR + 2.25% thereafter 2.99%   5 years fixed rate & variable rate thereafter 3.25% for first 5 years,3M EIBOR + 1.99% thereafter 2.99%   Variable rate 3M EIBOR + 1.99% 2.99%   Non-Salary Transfer / Self Employed Customers 3 years fixed rate & variable rate thereafter 3.25% for first 3 years,3M EIBOR + 2.75% thereafter 3.49%     5 years fixed rate & variable rate thereafter 3.49% for first 5 years,3M EIBOR + 2.50% thereafter 3.49%     Variable rate 3M EIBOR + 2.50% 3.49%   Early Settlement Fees • Free up to 30% of the Loan/ Finance outstanding p.a. Beyond that: 1.05% of amount being settled or AED 10,500, whichever is lower. NIL after 7 years of loan on book. • In case there is any pricing revision within the first 7 years of the Loan, the cap on Early Settlement Fees being free up to 30% of the outstanding p.a. and the fees defined thereafter, to apply for 7 years from the date of the new pricing. NIL after 7 years of pricing revision.     Key benefits ·        loan tenure can be reduced by up to 15 years* on a loan term of 25 years ·        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 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. ·        Flexibility to partially settle your mortgage loan anytime.    Features ·        Conventional Finance available ·        Financing up to 85% of property value for UAE Nationals and 80% for Expatriates. ·        Competitive Interest Rates with following structures: Ø  Hybrid Structure - Fixed for initial years and variable thereafter. Ø  Variable Rate Structure - Based on relevant EIBOR + Margin. ·        Repayment tenure of up to 25 years.   Documents Requirement: For self- employed: ·        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   For Salaried - employed: ·        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.