ADIB mortgage calculator

Estimate your monthly home finance instalment with ADIB's indicative profit rate built in. Adjust the property value, deposit and term, and the figure updates as you move.

AED 1,500,000
AED 300KAED 100M
20%
5%80%
4.25%
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 6,501
per month
Finance amount
AED 1,200,000
Down payment
AED 300,000
Total profit
AED 750,257
Total repaid
AED 1,950,257
Check your eligibility →

ADIB home finance 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 profit ratefrom 4.25% reducing
Rate typeIslamic (Sharia-compliant), fixed then variable
Reverts to3-month EIBOR (3.85%) + bank margin
Max loan to value, first home under AED 5M80% expats, 85% nationals
Max term25 years

About ADIB home finance

ADIB is the second-largest Islamic bank in the UAE and the dominant Islamic home finance lender in Abu Dhabi. Its products are structured as Ijarah or Murabaha rather than a conventional loan, so the figure you pay is a profit rate, not interest, though the monthly instalment maths works the same way on a reducing balance. ADIB is open to buyers of any faith and any nationality. Affordability follows the CBUAE framework: a 50% debt burden ratio cap, 80% loan to value on a first home under AED 5 million for expats, and a 7 times annual income ceiling, whichever binds first. The calculator above preloads ADIB's indicative fixed profit rate of 4.25%. Slightly cheaper Islamic pricing exists: Dubai Islamic Bank currently leads at 3.90%. Move the sliders to your own numbers, then read our ADIB mortgage guide and compare every Islamic and conventional product on the live rates page.

Common questions about ADIB home finance

What is ADIB's home finance profit rate in 2026?

ADIB's indicative fixed profit rate starts from 4.25% reducing on a 3-year fixed Islamic product. After the fixed period the rate reverts to 3-month EIBOR (3.85% as of June 2026) plus the bank's margin. Dubai Islamic Bank currently offers a lower Islamic rate at 3.90%, so compare both before applying.

Is ADIB home finance interest-free?

No Islamic mortgage is free of finance cost. ADIB charges a profit rate through an Ijarah or Murabaha structure instead of interest. On a reducing balance the monthly instalment is calculated the same way as a conventional EMI. On an AED 1,200,000 facility over 25 years at 4.25%, the instalment is about AED 6,501 a month.

Do I need to be Muslim to get an ADIB mortgage?

No. ADIB home finance is open to buyers of any faith and any nationality, expats and UAE nationals alike. The CBUAE deposit rules are identical to conventional lending: a minimum 20% deposit for expats on a first home under AED 5 million.

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