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.
Indicative figures, August 2026. Confirm the live rate on our current UAE mortgage rates page before you apply.
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 fixed profit rate of 3.99%. Cheaper Islamic pricing exists: Dubai Islamic Bank sits at 3.95% on the same 3-year lock, and Sharjah Islamic Bank at 3.75% on a 1-year. 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.
Compare ADIB against products from major UAE lenders, Islamic and conventional side by side.