UAE Residents with a minimum income of AED 10,000 per month.

Mortgage Amount

  • The minimum amount is AED 250,000 (AED 50,000 for Further Advance).
  • The maximum amount depends on each applicant’s financial eligibility and is subject to UAE Central Bank regulations.

Property Use

"Essence" is applicable to residential properties in Abu Dhabi and Dubai.

Mortgage Term

  • Minimum - 3 years.
  • Maximum - 25 years.

Age Requirement

  • Minimum - 21 years.
  • Maximum (at loan maturity date):
  • 70 years for self-employed UAE Residents.
  • 65 years for salaried UAE Residents.

Purpose of Mortgage

Own-to-Occupy, Further Advance (Top Up), Re-mortgage (Buy Out) and Investment (Buy to let / Additional UAE property).

Developers & Developments

For approved list of Developers and Developments financed by Abu Dhabi Finance please visit our development locations.