X
CATEGORYFEES1
Origination Fees
Application Fee AED 3,150 (non refundable, but offset against your processing fee)
Processing Fee
  • 1.313% 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
Account Management Fees
Full Repayment Fees(FRF)2
  • Fixed Interest Rates: 2.10% of the outstanding loan amount at the date of repayment during the fixed interest period
  • Variable Interest Rate: 1.05% of the outstanding loan amount at the date of repayment until the 6th year anniversary of the drawdown date
  • FRF not applicable post 6th year anniversary
Partial Repayment Fees (PRF)2
  •  Fixed Interest Rates : 2.10% of the extra repaid amount during the fixed interest rate period
  • Variable Interest Rates: 1.05% of the extra repaid amount until the 6th year anniversary of the drawdown date
  • PRF not applicable post 6th year anniversary
Offer Letter Cancellation Fee3 AED 2,100
Fees for Letters
Liability Letter AED 89.25 per occurrence
No Objection Certificate (NOC)  AED 157.50 per occurrence
Clearance letter AED 99.75 per occurrence 
Other Fees
Offer Letter Renewal AED 2,100 per occurrence
AIP Renewal AED 2,100 per occurrence
Change in Approval Terms (Post Disbursement) AED 2,100 per occurrence + Valuation fee + any associated fees incurred from relevant Registration Authority or Developer if applicable
Loan Restructure Fee AED 4,200 per occurrence
Late Payment Fee AED 735 applied on a monthly basis on any payments overdue by 10 days or more
Default Rate Default interest shall mean: (a) where there is an event of Default4 or where an account is delinquent for more than 60 days, an additional 400 basis points shall be added to the existing interest rate (the “60 Day Penalty Rate”); and (b) where the event of Default or an account remains to be delinquent for more than 90 days, a further 400 basis points shall be added to the 60 Day Penalty Rate.
Returned Cheque Fee/Direct Debit Fee AED 105 per returned cheque / dishonoured or failed Direct Debit
Replacement of Cheque  AED 52.5 per cheque replacement/amendement
Change in payment date AED 262.50 per occurrence
Permanent Change in Payment Mode AED 525 per occurrence
Deferment of an Instalment AED 105 per occurrence
Non-Standard statement production/Copy of original documentation AED 105 per request
Registration of Mortgage In accordance with the standard fees and charges of the relevant Registration Authorities
Loan Protection Insurance Mandatory - starting from 0.0417% of the outstanding loan amount per month
Insurance Assignment AED 1,575
Loan Protection Insurance Opt Out Fee 0.3675% of original loan amount for single applicant/ 0.525% of the original loan for joint applicants per annum
Property Insurance Mandatory starting from 0.0441% per annum of reinstatement value, minimum AED 262.5


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. 

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.

1Non refundable. If a Further Advance is made, the Processing fees as specified above are reduced to 75% of the standard amount (a minimum fee of AED 3,150).

2Unless specified otherwise in the Offer Letter.

3Payable if the applicant cancels the Application after an Offer Letter is produced but before disbursement. 

4The term Default shall have the meaning ascribed to it in the standard loan Terms and Conditions.

Click here to download Fees and Charges PDF