Minimum Salary
0,00 د.إ
ADCB offers competitive hybrid and variable rate mortgage financing in the UAE, with rates starting from 2.75% p.a., flexible tenors up to 25 years (15 years for non-residents), and a detailed fee schedule capped on processing charges of 1.05% of the loan amount.
Applicants must be at least 21 years old (25 for non-residents).
Detailed Schedule of Fees
| Fee Type | Charge | Notes |
| Processing Fee | 1.05% of loan amount (capped AED 52,500) | Payable at disbursement |
| Property Insurance | 0.042% p.a. of property value | Mandatory |
| Life Insurance | 0.0525% per month on outstanding balance | Mandatory for non-residents |
| Property Insurance Assignment | AED 5,250 | |
| Valuation Fees | AED 3,150 (apartments/villas); AED 5,250 (construction) | Per instance |
| Early Settlement Fee | 3.15% of settled amount | Or AED 10,500 whichever lower |
| Switch Fee | Up to 1.05% of outstanding balance | Switch to variable/hybrid |
| Clearance / NOC | AED 89.25 each | NOC & liability letters |
| Delayed Payment Penalty | 3.15% of delayed amount (max AED 735/month) | Per month |
| Loan Account Statement | Free | |
| Other Letters & Certificates | AED 78.75–105 | e.g., audit confirmations |
| Loan Rescheduling | AED 262.50 | |
| Loan Cancellation | AED 105 | |
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