Abu Dhabi Real Estate

  You are required to put a downpayment of 20% if you are a UAE national and 25% if you are a UAE Resident; if you are First House or Owner Occupied - 20% to 35% Second House or Investment Property - 35% to 40% The maximum loan amount depends on each applicant’s financial eligibility and is subject to UAE Central Bank regulations. To be eligible, you require a minimum salary of AED 20,000 per month It is not a requirement to transfer your salary to apply. The processing fee is 1% of loan amount for new purchases. In case of fixed rates the early settlement fee is 2% of the outstanding balance at the date of repayment during the fixed interest rate period. Following the seventh anniversary of the Drawdown Date: ERC for buy-out: 0.5% of the outstanding balance of the Loan or AED 5,000 (whichever is lower), No ERC is payable if early payment is made through sale of mortgaged property or from borrower’s own resources. Insurance is provided but it is dependent on customer age; salary; health. Insurance is mandatory for villas and town houses The interest rate is fixed at 3.99% for 1 year. The rate is calculated as a reducing rate. Thereafter it is a variable rate based on the Central Bank's 3 months EIBOR rate plus a margin applicable by ADF. This rate is fixed for 1 year.Thereafter it is a variable rate based on the Central Bank's 3 months EIBOR rate plus a margin applicable by ADF. The reducing rate of this finance starts at 3.99% and the equivalent flat rate is 2.2%. The calculation used is a division of the reducing rate by 1.814 and this is indicative only. Wide range of properties from our approved list of developers and developments across Abu Dhabi and Dubai

Min. Salary AED 20,000
Flat Rate
(est. equivalent)
From 2.2% p.a.
Reducing Rate
(est. equivalent)
From 3.99% p.a.
Arrangement Fee 1%
Downpayment 25%
Max Finance Amount AED 0
Fixed/Variable Fixed
Early Settlement Fee 2%
Great for
There is a long repayment period
Option to choose a fixed rate
Be Aware
There is a down payment requirement
Main Benefits

  • No up-front Application fee, partial Settlement of up to 20% per year free of charge, Annual Payment Holiday starting in the second year of the loan free of charge.

Overview of Features

 
  • You are required to put a downpayment of 20% if you are a UAE national and 25% if you are a UAE Resident; if you are First House or Owner Occupied - 20% to 35% Second House or Investment Property - 35% to 40%
  • The maximum loan amount depends on each applicant’s financial eligibility and is subject to UAE Central Bank regulations.
  • To be eligible, you require a minimum salary of AED 20,000 per month
  • It is not a requirement to transfer your salary to apply.
  • The processing fee is 1% of loan amount for new purchases.
  • In case of fixed rates the early settlement fee is 2% of the outstanding balance at the date of repayment during the fixed interest rate period. Following the seventh anniversary of the Drawdown Date: ERC for buy-out: 0.5% of the outstanding balance of the Loan or AED 5,000 (whichever is lower), No ERC is payable if early payment is made through sale of mortgaged property or from borrower’s own resources.
  • Insurance is provided but it is dependent on customer age; salary; health. Insurance is mandatory for villas and town houses
  • The interest rate is fixed at 3.99% for 1 year. The rate is calculated as a reducing rate. Thereafter it is a variable rate based on the Central Bank's 3 months EIBOR rate plus a margin applicable by ADF.
  • This rate is fixed for 1 year.Thereafter it is a variable rate based on the Central Bank's 3 months EIBOR rate plus a margin applicable by ADF.
  • The reducing rate of this finance starts at 3.99% and the equivalent flat rate is 2.2%. The calculation used is a division of the reducing rate by 1.814 and this is indicative only.
  • Wide range of properties from our approved list of developers and developments across Abu Dhabi and Dubai




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