ADIB Mortgage Calculator

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 21 September 2026 pricing file — 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

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: current CBUAE guidance describes 50% for expatriates and up to 60% for UAE nationals. Many lenders model card commitments from total limits, even at a zero balance, but treatment varies.
• 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

• ADIB buyout campaign extended to 31 December; NSTL at 4.09%
• ADIB extends its buyout campaign to 30 August — pre-approval and valuation both required by the deadline
• 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

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Same at other banks: Ajman Bank →  ·  Arab Bank →  ·  CBD →