ADCB mortgage calculator

Estimate your monthly payment with ADCB's current indicative rate built in. Adjust the property value, deposit and term, and the figure updates instantly.

AED 1,500,000
AED 300KAED 100M
20%
5%80%
3.85%
1.00%10.00%
25 years
5 years25 years
Figures are indicative. Use the eligibility checker to see what this looks like for your circumstances.

Your estimated payment

AED 6,235
per month
Finance amount
AED 1,200,000
Down payment
AED 300,000
Total interest
AED 670,523
Total repaid
AED 1,870,523
Check your eligibility →

ADCB mortgage rates at a glance

Indicative figures, June 2026. Confirm the live rate on our current UAE mortgage rates page before you apply.

Lowest indicative fixed ratefrom 3.85% reducing
Rate typeConventional, fixed then variable
Reverts to3-month EIBOR (3.69%) + bank margin
Max loan to value, first home under AED 5M80% expats, 85% nationals
Max term25 years

About a ADCB mortgage

ADCB is one of the most active mortgage lenders for salaried expats in the UAE, lending under its Dream Home brand. Its sharpest pricing is usually reserved for borrowers who transfer their salary to an ADCB account, so the headline rate and the rate you are offered can differ depending on your banking relationship. ADCB lends on ready and off-plan property, supports buyout (refinancing your loan from another bank), and assesses affordability against the standard CBUAE caps: a 50% debt burden ratio for expats, 80% loan to value on a first home under AED 5 million, and a 7 times annual income ceiling. The calculator above preloads ADCB's current indicative fixed rate so you can see the monthly payment quickly, then adjust the property value, deposit and term to match your purchase. For the full ADCB product detail, including fees and salary transfer conditions, read our ADCB mortgage guide, and compare it against every other UAE lender on the live rates page before you apply.

Frequently asked questions

What is ADCB's mortgage rate in 2026?

ADCB's current indicative fixed interest rate starts from 3.85% reducing. After the fixed period the rate reverts to 3-month EIBOR (3.69% as of June 2026) plus the bank's margin. The exact rate you are offered depends on your salary, deposit and whether you transfer your salary to ADCB. See the live rates page for the latest figure.

How much deposit do I need for a ADCB mortgage?

Under CBUAE rules the minimum deposit on a first home under AED 5 million is 20% for expats and 15% for UAE nationals, so the maximum loan to value is 80% and 85% respectively. On an AED 1,500,000 property that is a AED 300,000 deposit for an expat. ADCB applies the same CBUAE limits as every other UAE bank.

Is this ADCB calculator an EMI calculator?

Yes. The monthly figure is your equated monthly instalment (EMI), calculated on a reducing balance, the same method ADCB uses. On an AED 1,200,000 loan over 25 years at 3.85%, the EMI is about AED 6,235 a month.

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