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First Abu Dhabi Bank Mortgage Loan

First Abu Dhabi Bank Mortgage Loan
Minimum Salary

15,000 AED

Flat Rate

2.29 %

Reducing Rate


Max. Term

25 Years

Salary Transfer


Islamic Finance



Finance the purchase or construction of your residence.

Mortgage loans to individuals for financing the purchase / construction of property for residence.

Major Advantage: High finance amount; Only Rental income products also available


Rate Card

Reducing Balance Rate

Salaried Interest Rate
Salary Transfer Rate Starting from 3.94%
Non Salary Transfer Rate Starting from 4.59%
Self Employed Rates Starting from 4.59%


Please fill the form to get quotation with all charges involved as per your profile


Interest Rates & Charges:

Reducing Rate (as advertised): Starting from 3.94%

Flat Rate: 2.29% p.a.* (As per 25 years calculation)

Processing Fees: 0.5% of the finance amount; Nil for Buyout cases

Property valuation Fees: AED 3,150

Early Settlement Fees: 1.05% of outstanding amount (max cap AED 10,500)

Partial Settlement Fees: 1% of the amount partially paid


Finance Requirements:

Minimum Salary Requirement: AED 15,000

Minimum Length of Service Required: 6 Months for salaried; 2 Years for Self Employed

Salary Transfer: Not Compulsory

Minimum Down payment:

  • For first property (If property price < AED 5M): 20% 
  • For first property (If property price > AED 5M): 30% 
  • For second property: 40%


Key Details:

Maximum Finance Amount: AED 20,000,000

Islamic Finance: No

Maximum Term: 25 Years

Finance available for: Listed properties in Dubai and Abu Dhabi


Insurance (Compulsory):

Life Insurance: 0.0112% per month (plus vat) on outstanding balance

Property Insurance:  0.0525% p.a. (plus vat) on property value

Documents Required

Common Documents:    

  • Valid Passport, Resident Visa and Emirates ID Copy.
  • Offer Letter Copies of All Personal Ongoing Finance.
  • Rental Income Document (If any).                      
  • Liability Letter (In case of Buyout Finance only).
  • Relevant property Documents.


Salaried Client Documents: 

  • Latest Salary Certificate addressed to FAB BANK.
  • Latest 6 Months Personal Bank Statement.


Self-Employed Client Documents:

  • Valid Trade Company license.
  • MOA (Memorandum of Association) including all amendments.
  • Latest 6 Months Personal Bank Statement.
  • Latest 6 Months Company Bank Statement.
  • Audit Financials of last 2 years (if available).
  • Offer Letter Copies of All Company Ongoing Finance (For Self Employed).
Additional Info
  • All info mentioned can change at any point of time as per the discretion of the bank. The Bank will determine eligibility. All info above is subject to change.
  • Reducing rate is converted into flat rate as per 25 years calculation.
  • Terms and conditions apply.
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First Abu Dhabi Bank

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