Minimum Salary
0,00 د.إ
ADIB’s Sharia’h-compliant Home Finance blends competitive profit rates (starting 2.49% p.a. for expats and 1.99% p.a. for high-income nationals), up to 25-year tenure, and low processing fees (0.5% of finance amount) with flexible repayment and comprehensive Takaful cover.
Applicants must be between 21 and 70 years of age.
Detailed Schedule of Fees
| Fee Type | Charge |
| Processing Fee | 0.50% of finance amount (min AED 5,000; expats AE D 5,000) |
| Valuation Fee | AED 2,625 |
| Advance Rental Payment | 2% of finance (min AED 5,000; max AED 30,000); amendments AED 5,000 |
| Partial Prepayment | Up to 30% of outstanding per annum free; excess capped 1.05% of exceeding amount (max AED 10,500) |
| Early Settlement | Nil if due to sale; otherwise 1.05% of outstanding (max AED 10,500) |
| Late Payment Penalty | 3% p.a. on overdue amount |
| Account Statement & NOC | AED 100–150 per statement or letter |
| Loan Rescheduling/Cancellation | AED 250 (rescheduling); AED 150 (cancellation) |
| Takaful Contribution | Life Takaful: 0.3% p.a. of balance (single life) & 0.6% p.a. (joint life); property Takaful included in rate |
| Other Letters/Certificates | AED 100–150 |
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