ADCB mortgage calculator

What we can source on ADCB, and what we cannot

Start with the awkward part. The 4.13% sitting in the rate slider above did not come off an ADCB rate page. It was supplied in house on 18 August 2026 and logged as house-verified, because when the lender product records were read on 14 August, every ADCB entry in the file had expired. All of them. That leaves a rate and very little around it.

So this calculator does something the other bank pages here never have to. It separates the figures that are real from the ones that are placeholders, because a monthly payment built on one sourced number and three blanks is a starting point, not a comparison.

One number on this page isn't ADCB's to set, and that turns out to be useful. The 20% deposit the slider assumes on an AED 1,500,000 purchase, AED 300,000, is the CBUAE minimum for an expat buying a first home under AED 5 million. No lender may go below it, though any lender may ask for more. The 50% debt burden ratio and the 7 times income limit are the same kind of number. Which makes them the facts we can state about an ADCB application with real confidence, precisely because ADCB had no hand in them. Everything the bank does choose, the fix length, the margin, the fee, is the part nobody outside ADCB can currently see.

The missing margin is worth more than the headline

Here is why the blanks matter more than the 4.13%. Take three of the eight UAE lenders this site can price end to end, on an AED 1,500,000 loan over 25 years. Note that is the loan, not the purchase price, so it is a larger deal than the slider's default.

Read the last column again. The bank with the lowest starting rate in that table finishes second dearest over five years. Dubai Islamic opens 0.06% above Emirates NBD and still lands AED 37,375 cheaper by year five, and the reason sits entirely in the follow-on. Emirates NBD reverts to 1-month EIBOR + 1.99%, which is 6.01% today. Dubai Islamic reverts to 3-month EIBOR + 1.00%, which is 5.37%. That 0.84% gap is worth roughly AED 746 a month on this loan. The AED 3,900 arrangement fee at 0.26% barely registers next to it.

Now try to put ADCB in that table. It starts at 4.13%, above all three: AED 8,026 a month, AED 199 more than Emirates NBD and AED 116 more than FAB. Then the fixed period ends on a date we cannot give you, at a margin we cannot give you, over a tenor we cannot give you either. Sixty payments at 4.13% come to AED 481,537, and that figure belongs in the fourth column of nothing. It is a floor, not a forecast. It assumes the rate holds untouched for five years and that the arrangement fee is zero, and neither is a claim anyone should make on ADCB's behalf.

Get these three numbers in writing before you compare

1. How many years the fix runs. Among the lenders we can price, fixed terms run from 1 year out to 20. A 12-month fix at 4.13% and a 5-year fix at 4.13% carry the same price tag and are not remotely the same product, because only one of them holds through the next EIBOR cycle.
2. The follow-on margin, and which EIBOR it sits on. Both halves, or neither is any use. Emirates NBD prices its reversion off 1-month EIBOR, which stands at 4.02%. Dubai Islamic and FAB both use the 3-month tenor, at 4.37%. The tenor alone moves the follow-on by 0.15% before a margin is even added.
3. The arrangement fee, as a percentage and as a dirham figure. Dubai Islamic and FAB charge 0%. Emirates NBD charges 0.26%, which is AED 3,900 on an AED 1,500,000 loan. ADCB has nothing on file either way, so treat a zero as unconfirmed rather than absent.

Bring those three answers back to this page and the comparison stops being a guess: drop the real rate into the slider, add the fee to the five-year total, and run the reversion against the live rates page. It takes about a minute. The ADCB mortgage guide covers the salary transfer and buyout terms alongside it.