Abu Dhabi Commercial Bank (ADCB)
Top-3 UAE bank with broad mortgage product range covering residents, non-residents, salaried and self-employed. Competitive rates and government-employee specific products.
ADCB's mortgage book is one of the largest in the UAE. The bank serves a wide spectrum: salaried residents, self-employed, UAE nationals, and non-residents. Government-employee customers (UAE national or expat working at government entities) get differentiated pricing. ADCB is one of the few major banks with a dedicated self-employed mortgage product that doesn't require 12 months of salary slips.
Abu Dhabi Commercial Bank (ADCB) mortgage rates
| Bank | Product | Type | Rate | Max LTV | Min salary | Effective |
|---|---|---|---|---|---|---|
| Abu Dhabi Commercial Bank (ADCB) | Home Loan — 5-year fixed | Fixed 5y | 4.39% | 80% | AED 15K | — |
| Abu Dhabi Commercial Bank (ADCB) | Self-employed Mortgage | Fixed 3y | 4.89% | 75% | AED 30K | — |
| Abu Dhabi Commercial Bank (ADCB) | Non-resident Home Loan | Fixed 5y | 5.25% | 60% | AED 25K | — |
Source: Abu Dhabi Commercial Bank (ADCB) published rates page. Refreshed daily by our ingest worker. Always verify with the bank before relying on a rate. View original page →
FAQs — Abu Dhabi Commercial Bank (ADCB) mortgages
Does ADCB offer mortgages for self-employed buyers?
Yes — ADCB has a dedicated self-employed product with documentation requirements lighter than the standard mortgage. Typical conditions: trade license >2 years old, 12 months bank statements, and AED 30k+ average monthly business income.
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