Islamic Home Financing in Abu Dhabi

ADIB's home finance platform spans property purchase from developers or existing owners, buyouts of other banks' mortgages at better rates, non-resident financing for UAE property investors, finance against pre-owned property or land, self-construction on owned or gifted land for UAE nationals (via government housing schemes), the first-of-its-kind ADIB Plot Finance for land purchase, and Under Construction Finance securing a 20% advance. ADIB partners with the Sheikh Zayed Housing Programme (SZHP) for national housing benefits. Eligibility and pricing are quote-based; the hub does not publish rates or FTV caps.

Shari'ah-compliant home finance from ADCB's Islamic Banking window, advertised from 3.99% for Excellency and Emirati customer segments (other segments price by profile), with financing up to 85% of property value for the top band, 80% and 50% for others depending on property status and count. The structure is hybrid: a fixed profit rate for the initial years, then a variable rate of EIBOR plus margin. Property and life takaful policies are mandatory for the facility's duration, external valuers price the property, and a processing fee applies. An illustrative example on-page shows a AED 920,000 up-front payment (15%) scenario with 1.5% and 8% reference figures.

Property finance across Abu Dhabi, Dubai, Sharjah and Ajman on the Ijarah Muntahia Bittamleek structure, up to AED 10 million per the product page (the FAQ cites eligibility up to AED 15 million) with tenors to 25 years. Ready-property FTV reaches 80% for UAE nationals (properties up to AED 5M; 70% above) and 75%/65% for expatriates; Forward Ijarah for under-construction property is available to UAE nationals only at 50% down. Minimum monthly income is AED 15,000 for salaried nationals, AED 20,000 for salaried expats and AED 25,000 for the self-employed; salary transfer is mandatory for nationals but not expats. A 50-50 fast-track variant needs just one month's bank statement, and a 2nd-rank mortgage program serves Sheikh Zayed Housing Program and other government housing beneficiaries.

The principal Sharia-compliant home finance product of Amlak Finance PJSC, the UAE's pioneer non-bank Islamic property financier (established November 2000, DFM-listed, UAE Central Bank licensed). Amlak purchases the ready residential or commercial property and leases it to the customer with a promise to sell at the end of the term; monthly payments comprise fixed, variable and supplementary rentals. Finance up to 80% of property value, terms up to 25 years for UAE nationals and expatriates (10 years for companies), minimum finance AED 250,000, and no salary transfer required. Amlak exited its long-running debt restructuring in July 2025 after settling AED 989 million with financiers, and returned to profitable origination (AED 52 million net profit in Q1 2026).

Amlak's financing solution for under-construction (off-plan) residential and commercial property, which the firm describes as one of a kind in the region. Up to 50% financing during construction from a large panel of listed developers, flexible payment methods before and after construction, customized payment options with select developers, tenors to 25 years for UAE residents, and a post-handover top-up refinance facility to 80% of property value. Investor extras mirror Istithmari: complimentary property management (handover assistance, advertising, renting, tenant management, servicing instalments through rent), preventive maintenance package, a 3-month payment holiday and a variable-rental-only option for the first 4 years.

A buy-to-let property finance product (Ijara-based) that Amlak bills as the first of its kind in the region, designed for investors in completed residential and commercial property. Financing runs to 65% of value with payments engineered around rental income: a 3-month payment holiday, variable-rental-only payments for the first four years, and a complimentary property management suite covering tenant screening and management, rental assessment, advertising, inspections and rent collection, plus a property registration desk for title deed and Ejari formalities.

DIB's home finance platform covering ready property, off-plan (up to 50% finance value), self-construction, non-resident purchases (up to 70%, 15-year tenor) and government housing schemes, across all 7 emirates. Financing up to 85% for UAE nationals and 80% for expatriates, tenors up to 25 years, and eligibility to age 70. Pricing is EIBOR (3, 6 or 12 month, customer's choice) plus a margin, with introductory fixed rates for 3 to 5 years, and - uniquely per DIB - a fixed rate for the entire life of the finance available via the Ijarah contract. Salary transfer is not required; salary-transfer customers get special margin and floor rates plus fee waivers. First Step online pre-approval is instant, free and paperless. The MBRHE partnership gives UAE nationals zero profit rate on amounts up to AED 1 million under the Mohammed Bin Rashid Housing Establishment program.

Emirates Islamic's home finance, structured as Ijarah Muntahiya Bittamlik (lease ending in ownership): the bank purchases and owns the property, leases it to the customer with rentals incorporating cost and a profit margin linked to a variable index within agreed upper and lower limits, and transfers ownership at term-end via a sale agreement at a token price. Finance up to AED 25 million; up to 85% of property value for UAE nationals and 80% for expatriates; tenors to 300 months (25 years) per the calculator; EIBOR-linked pricing; 1% processing fee reduced to 0% for third-party settlement (buyout) cases. Serves salaried and self-employed residents and non-residents, purchase, construction and buyout. Life and property Takaful arranged through Watania Takaful, Takaful Emarat, Salama or Sukoon.

Ijarah home finance with fixed profit rates from 3.99% (1-3 years) and 4.19% (5 years) for customers bundling a salary transfer and FAB Islamic credit card, or 4.24%-4.44% without; after the fixed window the rate reverts to 3-month EIBOR plus margin. First-time buyers can reach 85% financing, buyout customers get 180-day (nationals) or 120-day (expats) grace periods with processing, valuation and early-settlement-fee refunds, and partial settlement of up to 25% annually is free in the variable period. A Green Home variant discounts the 5-year fixed rate by 0.25% and halves the processing fee, and non-resident foreign investors can finance up to 50% of UAE property up to AED 10 million.

Ijarah Muntahiya Bittamleek home finance from Mashreq's Islamic window, with tenors to 25 years for ready properties, high finance amounts, pre-approval facilities and availability to salaried and self-employed customers. The retail facility is booked through Mashreq Al Islami Finance Company PJSC, a separately licensed Islamic finance company in the group. Life takaful and property takaful are both mandatory and must be taken through Sukoon Takaful PJSC, with contributions debited before disbursal and annually. Rates are quoted per profile rather than published.

Islamic home finance from RAKBANK's window with reducing rates advertised from 3.89% per annum, fixed-rate options, tenors to 25 years and financing across Dubai, Abu Dhabi and Ras Al Khaimah for ready properties. Minimum salary is AED 15,000 with only 6 months' service required, salary transfer is not compulsory, processing is a low 0.525% of finance amount, valuation AED 3,000 plus VAT, and partial settlement of up to 25% of outstanding is free once a year after the fixed period, with early settlement at 1% capped at AED 10,000.

Ijarah home finance advertised at 3.75% fixed for the first year and 3.99% per annum reducing thereafter, with fixed-rate options of 1, 3 or 5 years, finance amounts to AED 50 million and tenors to 25 years. Minimum monthly salary is AED 10,000, salary transfer is not required, and both salaried and self-employed customers (3+ years in business, AED 30,000 monthly net profit or 20% of AED 100,000 monthly credits) are eligible. Down payments run from 15% for UAE nationals buying a first home up to AED 5 million, 20% for expatriates' first homes, and 40% for investment properties, with a documentation and study fee of up to 1% of the approved amount.

Ijarah (rent-to-own) home finance up to AED 18 million with free property takaful for life of the facility, on variable profit rates linked to EIBOR or Standard Chartered's published SCBLR/SCBMR reference rates (12-60 month tenor points from 4.25% to 4.60% published on-page). The differentiator is SaadiqOne, the Islamic offset account: your current account balance offsets the home finance outstanding daily when calculating variable rental, cutting total profit cost and tenor, with the account itself paying Mudarabah profit on monthly average balances. Completed residential properties in Dubai and Abu Dhabi freehold/leasehold areas qualify; minimum age 21, salaried to 65 at maturity.