Customized especially for your needs, "Land2Build" from Abu Dhabi Finance is a home loan that combines a number of great features and benefits to give you one of the most transparent home loan product available keeping your needs in mind.

Is this the right home loan for you?

Abu Dhabi Finance has a variety of customized products which suits all clients, if you want to link your home loan with the movement of EIBOR (Emirates Interbank Offered Rate), then this is the solution for you. This is a variable product links your land2build home loan to 3 months EIBOR.


  • If you are buying your land in Abu Dhabi or Dubai, ADF lends you 50% of the land value and/or 50% of your construction cost
  • Keep your existing banking relationships, no salary transfer required
  • Have the option to payoff your home loan faster with ADF, up to 30% Partial Repayment of the outstanding yearly with out charge
  • No matter where you work ADF will lend you, no restriction on professions or companies
  • Running short due to ad-hoc expenses, ADF offers payment holiday once a year free of charge


This product is available for all residential properties in Abu Dhabi & Dubai. Avail amount as low as AED 250,000 onwards* between a minimum of 3 and a maximum of 25 year term.

If you are Non-Resident:

  • Aged between 18 - 70 
  • Employed or self-employed
  • Earning over AED 20,000 monthly

The maximum loan amount depends on each applicant’s financial eligibility and is subject to Central Bank of the UAE regulations.

Fees & Charges

Application Fee:

  • AED 3,150
  • (non refundable, but offset against your processing fee)

Valuation Fee:

  • Land AED 3,150
  • Construction: Subject to build type

The above fees and charges apply to UAE Nationals and UAE Residents only. 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.

Frequently Asked Questions

We are a specialist conventional (non-Islamic) mortgage lender for residential  and commercial property in the Emirates of Abu Dhabi and Dubai

You can apply for an ADF Non-Resident Home Loan by calling 800 ADF(233) or through our website. You can discuss your needs with a member of the ADF Home Loan team, who will conduct an initial fact-find interview to ensure that you have a full picture of what is required.

Variable home loans are based on the three-month EIBOR, subject to quarterly review, and a fixed margin.

Interest is calculated on the daily principal balance outstanding on your home loan account. Your monthly instalment will be applied against your outstanding balance, plus the interest accrued.

An independent valuation of the property is mandatory by the banks empanelled valuators. Finance amount is calculated by the lender based on the valuation amount provided by the valuator. In some cases valuation price can be lower than the sale price which essentially means lesser financing and higher down payment. In order to avoid such situation; one must include an exit clause in the MOU to mitigate such risk which could also protect the buyer from losing their initial deposit in case buyer falls short of the expected financing amount.

A higher down payment on your home, means lower total payments on your home.

Loan to value (LTV) is a financial term used by lenders to express the ratio of a loan against the value of the home. While it's tempting to apply for the highest LTV, it is advisable to pay a higher down payment and opt for a lower LTV, this helps in ensuring that future payments are manageable.

Yes. Both life and property insurance are mandatory but don't worry, we can take care of everything on your behalf.

Terms & Conditions

Coming soon