ADIB Mortgage Calculator
Work out your Abu Dhabi Islamic Bank repayment on Abu Dhabi Islamic Bank’s own verified pricing — then let us check it against 15+ banks, commission-free.
Self-employed and running your own business? Abu Dhabi Islamic Bank is one of the banks we place business-owner files with — commission-free. Advertised profit rates below are verified from official circulars; we confirm your exact terms free.
Advertised profit rate — we confirm Abu Dhabi Islamic Bank's current best pricing for your profile, free.
How to use the Abu Dhabi Islamic Bank calculator
Set the property price, your deposit, the term and the profit rate above. It opens on 3.99% — Abu Dhabi Islamic Bank’s lowest advertised fixed profit rate in our verified circular set — so the figure you see starts from a real published number rather than a placeholder.
On an AED 1,500,000 property with 20% down over 25 years at that profit rate, the loan is AED 1,200,000 and the repayment lands around AED 6,327 a month. Change any input above to match your own case.
Abu Dhabi Islamic Bank advertised profit rates
| Segment | Advertised fixed rate | After the fixed period | Verified |
|---|---|---|---|
| Non-salary transfer | 4.14% · 3-yr fixed | then 1.6% + 1M EIBOR | 2026-07-12 |
| Non-salary transfer | 4.59% · 5-yr fixed | then 1.6% + 1M EIBOR | 2026-07-12 |
| Non-salary transfer | 4.89% · 4-yr fixed | then 1.6% + 1M EIBOR | 2026-07-12 |
| Self-employed | 4.69% · 3-yr fixed | then 1.6% + 1M EIBOR | 2026-07-12 |
| Self-employed | 5.19% · 5-yr fixed | then 1.6% + 1M EIBOR | 2026-07-12 |
| Salary transfer | 3.99% · 3-yr fixed | then 1.6% + 1M EIBOR | 2026-07-12 |
| Salary transfer | 4.39% · 5-yr fixed | then 1.6% + 1M EIBOR | 2026-07-12 |
| Salary transfer | 4.69% · 4-yr fixed | then 1.6% + 1M EIBOR | 2026-07-12 |
Advertised profit rates taken from Abu Dhabi Islamic Bank circulars, verified by Mortgease on the dates shown. Your own profit rate depends on profile, LTV and salary transfer - we confirm it free.
What the monthly figure includes — and what it does not
- Included: principal and profit rate on the loan, spread evenly across the term you choose.
- Not included: life cover and property insurance, which most UAE banks require and which add a modest amount on top each month.
- Not included: the one-off costs of buying — DLD transfer at 4%, agency around 2%, mortgage registration at 0.25% of the loan plus AED 290, trustee office fees, and Abu Dhabi Islamic Bank’s valuation fee of about AED 2,625.
- Not included: what happens once the fixed period ends. That reversion profit rate is where a cheap-looking mortgage often stops being cheap — ask us before you sign.
What Abu Dhabi Islamic Bank will need to lend you this
- Deposit: 20% on a first home up to AED 5M for expat residents, 30% above that, 15% for UAE nationals, and 40% on a second or investment property.
- Debt burden ratio: all your monthly instalments together must stay within 50% of income — the UAE-wide cap. Card limits count against you even at a zero balance.
- Term: up to 25 years, subject to age limits at maturity.
- Valuation: Abu Dhabi Islamic Bank charges about AED 2,625.
Not sure you clear the debt burden test? The DBR calculator works it out in a minute.
Latest verified Abu Dhabi Islamic Bank updates
- FAB and ADIB refund valuation and early-settlement fees on buyout loans (2 July 2026)
- ADIB launches 3.99% fixed buyout rate for Q2 2026 — valuation and early-settlement fees waived
- ADIB introduces appointment-only process for Ajman Land Department transactions
ADIB calculator FAQs
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