Compare ADIB home finance
ADIB is an Islamic bank. Buyers who want a profit-based contract rather than an interest rate usually ask for it in the same breath as Dubai Islamic Bank and Emirates Islamic. We ask ADIB what it will do with your file. We do not publish ADIB's profit rate.
A&A Mortgage Services is the name we use for Mortgage Broker LLC.
A&A Mortgage Services is an independent mortgage broker, provided by Mortgage Broker LLC. We are not Abu Dhabi Islamic Bank and we are not affiliated with Abu Dhabi Islamic Bank. We are not a bank. If a loan is approved, the lender provides it. Nothing on this page is that bank's rate, and nothing here is an offer.
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How a ADIB comparison works
We take the same facts to more than one lender: the price or budget, the deposit, whether you live in the UAE, how you are paid, and whether the home is ready or off-plan.
What comes back is a set of offers, or a set of refusals. A headline rate is only one line of that. Salary transfer, the arrangement fee, the fixed period and the early settlement cost all change what you pay.
The advice from A&A Mortgage Services is free of charge to you. We work with every major UAE lender, on your behalf. The bank still decides.
What actually changes the cost
On an Islamic contract, compare the profit in dirhams, the term, the fees and what happens if you settle early. Do not convert a profit rate into an interest rate in your head and stop there.
The Central Bank of the UAE caps the loan-to-value. For a first home you live in, the ceiling is 85% for a UAE national and 80% for an expatriate when the property is AED 5 million or under, and 75% or 70% when it is above that. A second home or an investment property is capped at 65% for a UAE national and 60% for an expatriate. Off-plan purchases are capped at 50% for every buyer. These are ceilings. A bank can ask for a larger deposit.
Questions
No. A&A Mortgage Services is an independent mortgage broker, provided by Mortgage Broker LLC. We are not Abu Dhabi Islamic Bank and we are not affiliated with Abu Dhabi Islamic Bank. We are not a bank. If a loan is approved, the lender provides it. Nothing on this page is that bank's rate, and nothing here is an offer.
We do not state ADIB's rate. Rates move, and a number on this page would be presented as fact when it is not an offer from Abu Dhabi Islamic Bank. Ask an adviser for the figure ADIB will put in writing.
Yes. ADIB is one of the major UAE lenders we work with. We put the same facts to ADIB and to the other lenders on the panel, then explain the differences in dirhams.
The Central Bank of the UAE caps the loan-to-value. For a first home you live in, the ceiling is 85% for a UAE national and 80% for an expatriate when the property is AED 5 million or under, and 75% or 70% when it is above that. A second home or an investment property is capped at 65% for a UAE national and 60% for an expatriate. Off-plan purchases are capped at 50% for every buyer. These are ceilings. A bank can ask for a larger deposit.