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ADIB Home Finance — Sharia-Compliant Property Finance in the UAE

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Abu Dhabi Islamic Bank (ADIB) is a leading provider of Sharia-compliant home finance in the UAE, offering Murabaha and Ijara-based structures that align with Islamic principles. ADIB serves both UAE nationals and expatriates, with attractive profit rates and flexible tenures of up to 25 years.

Key Features

  • ✓Fully Sharia-compliant financing structures
  • ✓Murabaha and Ijara product options
  • ✓Finance for UAE nationals and expats
  • ✓Early settlement with reduced profit charge

Typical Rates

Profit rate from 3.75% fixed for 1 year, reverting to EIBOR + 1.50%

Rates are indicative and subject to change. Contact us for a personalised quote.

Frequently Asked Questions

How does ADIB's Islamic home finance differ from a conventional mortgage?+
Rather than charging interest, ADIB purchases the property and either sells it to you at a pre-agreed profit (Murabaha) or leases it to you with an option to own (Ijara). This ensures the transaction is free from riba (interest) and fully compliant with Sharia principles.
What is the maximum finance amount available from ADIB?+
ADIB can finance up to AED 18 million for eligible applicants, subject to the property valuation and the customer's debt burden ratio. UAE nationals can access up to 80% LTV, while expats are typically capped at 75% LTV.
Can non-Muslims apply for ADIB home finance?+
Yes, ADIB home finance products are available to all eligible customers regardless of religion. Many non-Muslim buyers choose Islamic finance for its transparent pricing and the absence of compound interest charges.
What documents are required to apply for ADIB home finance?+
You will typically need a valid passport and Emirates ID, proof of salary or income, 3–6 months of bank statements, a property sale agreement or MOU, and a property valuation report. ADIB's team or your broker can provide a precise checklist based on your situation.

Ready to apply with Abu Dhabi Islamic Bank (ADIB)?

Let Bradgate Heights handle the application for you. We manage every step from pre-approval through to completion.

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