Abu Dhabi Islamic Bank (ADIB) ADIB Home Finance
Islamic Home Financing in Fujairah
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.
ADIB's home finance shelf is the widest in this cluster - nobody else finances raw plots, and the SZHP and gifted-land routes are meaningful for Emirati families - but its public pricing disclosure is the weakest: not one rate, margin, tenor or FTV figure appears on the hub, against DIB's EIBOR-plus-margin framework with a life-of-finance fixed Ijarah option and Emirates Islamic's printed 85%/80% FTV, AED 25M cap and 1%/0% processing fees. If your need matches an ADIB-only variant (plot, SZHP, gifted land), start here and negotiate. For a plain purchase or buyout, force all three banks to written quotes; ADIB gives you no anchor otherwise.
Pros
- Broadest variant coverage in the cluster, including plots and gifted-land self-builds
- SZHP integration matters for national families
- Buyout positioning invites rate competition
Cons
- No rates, margins, tenors or FTV caps published anywhere on the hub
- No contract named on the page
- Every comparison requires an advisor conversation
Get a Quote
Visit Abu Dhabi Islamic Bank (ADIB)'s website to learn more and get started.
See pricing & termsOpens Abu Dhabi Islamic Bank (ADIB)'s site, no obligation
Product Details
Structure
Home finance platform (contracts and rates not published on hub)
Features
Sheikh Zayed Housing Programme partnership for UAE nationals, Plot Finance for land purchase, marketed as a first, Under Construction Finance with 20% advance, Buyout option targeting lower rates than existing mortgages, Non-resident property investor financing, Finance against pre-owned property or land
Max Amount
Not published on hub
Down Payment
Not published on hub
Term Options
Per quote
Abu Dhabi Islamic Bank (ADIB) in Fujairah
Abu Dhabi Islamic Bank (ADIB)'s Home finance platform (contracts and rates not published on hub) structure offers Fujairah buyers a halal path to homeownership: instead of an interest-bearing loan, the contract is built on ownership or leasing of the property itself. Before paying arrangement fees, confirm Abu Dhabi Islamic Bank (ADIB)'s valuation coverage and terms for your specific property location in Fujairah, and read the Key Facts Statement for fees and early settlement terms. Abu Dhabi Islamic Bank (ADIB) operates across the UAE, so Fujairah residents have full access to this product.
Shariah Compliance & Oversight
ADIB's Internal Shari'a Supervisory Committee, published at adib.ae/en/about/internal-sharia-supervisory-committee (verified 2026-08-05): Prof. Dr. Mohammad Abdulrahim Sultan Al Olama (Chairman), Prof. Dr. Jasim Al Shamisi (Vice Chairman), Prof. Dr. Ashraf Hashim (Member), Dr. Ali Hussain Al Junaidi (Member) and Dr. Yasir Hassan Alhosani (Member). An Executive Committee of the ISSC comprises Al Olama (Chairman), Al Shamisi and Hashim. The committee's 2025 Annual Shariah Report is published on adib.ae and is also signed by Esam Mohammed Ishaaq as a committee member.
2026-08-05
Why It's Halal
ADIB finances homes through Shariah-compliant structures as a fully Islamic bank (no conventional window exists anywhere in the group), under ISSC supervision and the CBUAE Higher Shariah Authority framework, with Takaful-based protection rather than conventional insurance across its financing products. The SZHP partnership channels a government Islamic-compatible housing scheme. Caveats, recorded honestly: the home finance hub names no contract (Ijarah and Murabaha are the market-standard structures), publishes no profit rates, margins or maximum financing percentages, and defers all pricing to advisors. This is the thinnest public disclosure among the three banks' home finance platforms; every number must be obtained at application.
Regional Availability
Abu Dhabi Islamic Bank (ADIB) serves all of the UAE
✓ Available nationwide including Fujairah
Get a Quote: Abu Dhabi Islamic Bank (ADIB)
Visit Abu Dhabi Islamic Bank (ADIB)'s website to get current terms, check eligibility for Fujairah, and get started today.
See pricing & termsOpens Abu Dhabi Islamic Bank (ADIB)'s site, you're not committing to anything
Compare With Other Options in Fujairah
12 other home financing products available to Fujairah residents
Ijarah (hybrid fixed then EIBOR-linked) · Nationwide
NationwideIjarah Muntahia Bittamleek / Forward Ijarah · Nationwide
NationwideIstisna/forward Ijarah (off-plan finance) · Nationwide
NationwideIjarah (buy-to-let investment finance) · Nationwide
NationwideIjarah (plus Istisna, Forward Ijarah and Murabaha variants, each with published Sharia certificates) · Nationwide
NationwideHalal Home Finance Estimate - Fujairah
Estimate your monthly payment with a halal financing structure
Monthly
AED 2,023
Total Cost
AED 728,142
Total Profit
AED 408,142
Estimate only. Actual terms vary by provider.
Full CalculatorFrequently Asked Questions
What is Abu Dhabi Islamic Bank (ADIB) ADIB Home Finance?
Why is Abu Dhabi Islamic Bank (ADIB) ADIB Home Finance considered halal?
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What Shariah oversight does Abu Dhabi Islamic Bank (ADIB) have?
What financing structure does Abu Dhabi Islamic Bank (ADIB) ADIB Home Finance use?
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How do Fujairah residents access the rest of the halal market?
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Important: HalalWallet provides educational information and comparisons to help you explore halal financial options. We do not provide financial, legal, or religious advice. Product structures and Shariah compliance oversight vary by provider. Always verify halal compliance directly with providers and consult with qualified Islamic finance advisors or scholars for guidance on specific products and your individual circumstances.