Origination Fees
Application Fee AED 3,000 (non refundable, but offset against your processing fee)
Processing Fee
  • 1.25% of original loan amount (maximum of AED 100,000) if fee is added to loan amount
  • 1.00% of original loan amount (maximum of AED 50,000) if fee is paid upfront
  • Minimum Processing fee of AED 3,000
Valuation Fee AED 3,000
Accounting Management Fees
Early Repayment Charges (ERC)2
  • Fixed Interest Rates: 2% of the outstanding balance of the Loan at the date of repayment during the Fixed Interest Rate Period
  • Variable Interest Rates: 1% of the outstanding balance of the Loan or AED 10,000 (whichever is lower) at the date of repayment until the seventh anniversary of 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 Fee3 AED 2,000
Offer Letter Cancellation Fee 4 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 overdue by 10 days or more
Default Rate A Default Interest Rate of up to 8.5% per annum may be charged if the 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 / 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 / amendment
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/ any Document AED 250 per statement / document
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 0.35% of original loan amount for single applicant/ 0.50% of original loan amount for joint applicants per annum
Property Insurance Mandatory starting from 0.042% per annum of reinstatement value minimum AED 312.50 

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.

  • Non 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 3,000).
  • Unless specified otherwise in the Offer Letter.
  • 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.

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