Abu Dhabi Real Estate

This product can be obtained in both conventional and Islamic  For your first property, the down payment is 20% if the property value is under AED 5M and 30% if property value is above AED 5M. For your second property, the down payment is 35%. For self construction, the down payment is 50%. The maximum loan amount is 80% of property value. Repayment period of 25 years You require a minimum salary of AED 15,000 for UAE nationals, AED 20,000 for expats, an AED 50,000 for self employed per month to be eligible. It is not a requirement to transfer your salary to apply. The processing fee is 1% of the finance amount. The early settlement fees are 1% or AED 10,000, whichever is lower, whether paid through own source or by another bank. There is a life insurance fee of 0.40%. The rate is fixed for up to three years. Thereafter the bank charges a variable rate based on the UAB Retail Base Rate (RBR). The reducing rate of this finance is 3.69% and the equivalent flat rate is 1.93%. The calculation used is a division of the reducing rate by 1.911 and this is indicative only. Loans offered on all completed properties across Emirates in the UAE with title deed.

Min. Salary AED 15,000
Flat Rate
(est. equivalent)
From 1.93% p.a.
Reducing Rate
(est. equivalent)
From 3.69% p.a.
Arrangement Fee 1%
Downpayment 20%
Max Finance Amount AED 10M
Fixed/Variable Fixed Then Variable
Early Settlement Fee 1%
Great for
High finance amounts
Be Aware
There is an early settlement fee
Main Benefits

  • Private Villa financing for UAE Nationals
  • Refinance facility for unencumbered property

Overview of Features

  • This product can be obtained in both conventional and Islamic 
  • For your first property, the down payment is 20% if the property value is under AED 5M and 30% if property value is above AED 5M. For your second property, the down payment is 35%. For self construction, the down payment is 50%.
  • The maximum loan amount is 80% of property value. Repayment period of 25 years
  • You require a minimum salary of AED 15,000 for UAE nationals, AED 20,000 for expats, an AED 50,000 for self employed per month to be eligible.
  • It is not a requirement to transfer your salary to apply.
  • The processing fee is 1% of the finance amount.
  • The early settlement fees are 1% or AED 10,000, whichever is lower, whether paid through own source or by another bank.
  • There is a life insurance fee of 0.40%.
  • The rate is fixed for up to three years. Thereafter the bank charges a variable rate based on the UAB Retail Base Rate (RBR).
  • The reducing rate of this finance is 3.69% and the equivalent flat rate is 1.93%. The calculation used is a division of the reducing rate by 1.911 and this is indicative only.
  • Loans offered on all completed properties across Emirates in the UAE with title deed.




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