Origination Fees
Application Fee AED 3,000 (non refundable, but offset against your processing fee)
Processing Fee
  • 1.75% of original loan amount (maximum AED 150,000) if fee is added to loan amount
  • 1.50% of original loan amount (maximum AED 75,000) if fee is paid upfront
  • Minimum Processing fee of AED 3,000
Valuation Fee AED 4,000
Accounting Management Fees
Early Repayment Charges (ERC)
  • Fixed Interest Rate: 2% of the outstanding balance of the Loan at the date of repayment during the Fixed Interest Rate Period.
  • Variable Interest Rate: 1% of the outstanding balance of the Loan or AED 10,000 (whichever is lower) at the date of repayment until the seventh anniversary if the Drawdown Date.

Following the seventh anniversary of the Drawdown Date:

  • ERC for buy-out: 0.5% of the outstanding balance of the Loan or AED 5,000 (whichever is lower)
  • No ERC payable if early payment is made through sale of mortgaged property or from borrower's own resources
Loan Closure Administration Fee2 AED 2,000
Offer Letter Cancellation Fee3 AED 2,000
Fees for Letters
Liability Letter AED 100 per occurrence
No Objection Certificate (NOC) / Clearance letter AED 750 per occurrence
Other Fees
Offer Letter Renewal AED 2,000 per occurrence
AIP Renewal AED 2,000 per occurrence
Change in Approval Terms (Pre or Post Disbursement) AED 2,000 per occurrence + Valuation fee + any associated fees incurred from relevant Registration Authority or Developer if applicable
Loan Restructure Fee AED 4,000 per occurrence
Late Payment Fee AED 1,000 applied on a monthly basis on any payments overue by 10 days or more
Default Rate A Default Rate of interest of 8.5% per annum will be charged if an account becomes delinquent for more than 60 days and up to 12% per annum if an account becomes delinquent for more than 90 days
Returned Cheque Fee/Direct Debit Fee AED 250 per returned cheque / dishonoured or failed Direct Debit
Replacement of Cheque / Amendment to DDS account AED 250 per cheque replacement/amendement
Change in Payment Date AED 1,000 per occurrence
Permanent Change in Payment Mode AED 500 per occurrence
Deferment of an Instalment AED 350 per instalment
Duplicate of Statement/Document AED 250 per statement / document
Manual Payment Administration Fee4 AED 200 per month
Registration of Mortgage In accordance with the Developer’s and relevant Registration Authority’s standard fees and charges  
Loan Protection Insurance Mandatory - starting from 0.0417% of the outstanding loan amount per month
Insurance Assignment AED 1,500
Loan Protection Insurance Opt Out Fee 0.35% of original loan amount for single applicant/0.50% of the original loan for joint applicanst per annum
Property Insurance Mandatory starting from 0.04% of reinstatement value per annum, minimum of AED 250

The above fees and charges apply to UAE Nationals and UAE Residents only. All fees and charges mentioned above are subject to change at two months’ notice at the sole discretion of Abu Dhabi Finance pjsc. Conditions apply.

  • Non refundable.
  • Fee paid upon closure of the loan at any time. Fee reduces to AED 500 if the loan is repaid from own resources or the property is sold. This fee includes the issuance of one clearance letter and one No Objection Certificate.
  • Payable if the applicant cancels the application after an offer letter is produced but before disbursement.
  • Manual Payment is any mortgage installment payment made into the account by cheque, standing instruction, bank transfer or cash deposit.

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