Purchasing a property in the UAE involves paying numerous fees & charges to different entities. These fees & charges account for a significant amount of money which has to be paid upfront to the concerned entities at the time of registering the property in the emirate of Abu Dhabi or Dubai. These fees & charges constitute for approximately 7% of the property purchase price and it often becomes burdensome for the buyer of the property to arrange these fees upfront and borrowing these funds is expensive. At Abu Dhabi Finance, we aim at continuously improving our products and services by offering unmatched services and simplifying the process of purchasing property in the UAE.

We have developed a new value add service Fee Finance  which enables  the ease of purchasing property  by facilitating  payments of all property related fees and this service is offered with an additional loan of  up to 5% of your property value.

The Fee Finance loan relieves your stress of paying fees relating to purchasing a property in the UAE. The value add service is available only in combination with a mortgage loan.

Apply for Fee Finance Loan


Frequently Asked Questions

Fee Finance is a loan facility offered by Abu Dhabi Finance which enables the borrower to make payments of the fees & charges related to buying a residential property in the UAE.

The list of major fees incurred by a purchaser when buying a residential property in the UAE are:

  • Registration fee at Abu Dhabi Municipality
  • Registration/Transfer fee at Dubai Land Department
  • Real Estate Agent’s commission
  • Mortgage Broker’s commission
  • Mortgage processing fees
  • Property Registration fee & Title Deed fee
  • Other miscellaneous fees related to purchasing a property in the UAE

No, Fee Finance loan should be utilized to make fee payments related to purchasing a property.


The loan may be availed by UAE Nationals & UAE Residents buying a residential property in the UAE.

Clients may borrow up to 5% of the property value or property purchase price, whichever is lower.

No, Fee Finance loan is available only for completed properties in the UAE.

Mortgage & Fee Finance loan have to be applied for together.

Yes, at the present time the Fee Finance loan is available for Abu Dhabi & Dubai properties only. However, ADF will be providing Fee Finance in the future for other emirates.

Yes, available for each residential mortgage

The maximum tenure is 48 months and minimum tenure is 12 months.

The Fee Finance loan will be disbursed two days prior to your mortgage loan disbursement. The borrower will receive a cheque with the approved Fee Finance loan amount.

No, Fee Finance loan are only available for new mortgage(s).

The minimum salary requirement is AED 10,000 per month.

The interest rate will be informed to you by our Mortgage Advisor and also mentioned in your Fee Finance loan offer letter.

Your monthly payments depend on the loan amount. To calculate the monthly payments for Fee Finance Click Here

There are no upfront fees to apply for the Fee Finance loan.

The minimum age requirement for UAE residents (Nationals/Expatriates) is 21 years.

No additional documentation is required to apply for a Fee Finance loan. The documents submitted for the mortgage will be assessed for the Fee Finance loan.

There is no downpayment requirement for Fee Finance loan.

ADF calculates your daily outstanding balance in accordance with UAE Central Bank directives and the interest charges are recovered on a monthly basis.

As per the ADF policy, Fee Finance loan payments cannot be deferred.

No, this feature is available only on your mortgage.

You are requested to inform us by calling 800 (ADF) or send an email to info@adf.ae prior to leaving the UAE so that your information can be updated in our system accordingly.

You may settle your Fee Finance loan by depositing the outstanding loan amount along with the settlement fee by visiting our office in Abu Dhabi or send an authorization email to info@adf.ae or call 800 (ADF) detailing your requirement for settlement.

The facility provided will have to be returned back to ADF in the event of the failure to register the property.

There will be two different loan accounts having two different UAEDDS (UAE Direct Debit System) to be initiated for you, therefore, it would reflect as two different payouts from your current and/or savings account instead of a single installment.

Fees & Charges

Application Fee:

  • AED 3,150 

Processing Fee:

  • 1.05% of original loan amount if fee is added to loan amount or paid upfront
  • Minimum Processing fee of AED 3,150

Valuation Fee:

  • AED 3,150

Offer Letter Renewal Fee:

  • AED 2,100 per occurrence

Offer Letter Cancellation Fee:

  • AED 2,100

AIP Renewal Fee:

  • AED 2,100 per occurrence

All fees and charges mentioned above are inclusive of Value Added Tax (VAT) and are subject to change at two months’ notice at the sole discretion of Abu Dhabi Finance PJSC. Conditions apply.

For our standard Residential Loan Servicing Fees and Charges, please click here.