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Home Loans for UAE Nationals & UAE Resident

Taillored specially for the needs of UAE Nationals and Residents, our 'Essence' home loan combines a number of market-leading features and benefits to give you one of the best products available in the market.

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Home Loans for UAE Nationals & UAE Resident

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  1. Home Loans for UAE Nationals & UAE Resident

  2. Overview Taillored specially for the needs of UAE Nationals and Residents, our 'Essence' home loan combines a number of market-leading features and benefits to give you one of the best products available in the market. This product can be used to buy, refinance or release equity for residential properties in the UAE for both end users and investors.

  3. Features • Want to minimize your down payment? Finance up to 85% of the property value if you're a UAE National, and up to 80% if you're a UAE Resident. • Don't want the hassle of transferring your salary from your existing bank? You don’t have to. • Want to settle your loan faster? Pay off up to 30% of the outstanding balance each year free of charge. • Think your job role or company size restricts you from getting a loan? We offer finance to all types of profession and size of company. • Need a break from monthly repayments? We offer a payment holiday once a year at no cost.

  4. Eligibility Borrow as little as AED 250,000 for a term of between 3 and 25 years. If you're a UAE National: • Aged between 18 - 70 • Employed or self-employed. If you're UAE Resident: • Aged between 18 - 65 (70 if self-employed) • Employed or self-employed The maximum loan amount depends on each applicant’s financial eligibility and is subject to UAE Central Bank regulations.

  5. Fees & Charges Application Fee: • AED 3,150 • Non-refundable, but offset against your processing fee. Processing Fee: • 0.75% of loan amount • Non-refundable. All fees and charges mentioned above are inclusive of Value Added Tax (VAT) and are subject to change at two months’ notice at the sole discretion of Abu Dhabi Finance PJSC. Conditions apply. For our standard Residential Loan Servicing Fees and Charges, please click here.

  6. Frequently Asked Questions

  7. Contact Us Sunday to Thursday 8:30am to 5:00pm, GST If you're in the UAE 800 ADF (233) Visit us in Abu Dhabi 7th Floor, Aldar Headquarters, Behind Al Raha Mall, Abu Dhabi Visit us in Dubai Office #1701 17th floor, Al Habtoor Business Tower, Al Sufouh Road Opposite Habtoor Grand Resort & Spa Hotel Dubai Marina If you're abroad +9712 6591900 Email Address:info@adf.ae Website :https://www.adf.ae/en/

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