ADCB Mortgage Calculator
Estimate your monthly ADCB home-finance payment in AED at current rates. Free, no signup.
ADCB Mortgage rates
| Bank | Typical rate | Max tenure |
|---|---|---|
| ADCB | 6.25% p.a. | up to 25 years |
Reference rates, ~2026. Your actual rate depends on your profile, down payment and the bank's current offers — verify before deciding.
Worked example
Example: AED 1,500,000 ADCB mortgage at 6.25% for 25 years.
- Monthly payment: AED 9,895
- Total interest: AED 1,468,512
- Total payable: AED 2,968,512
Frequently Asked Questions
What is the ADCB mortgage rate?
ADCB mortgage rates are around 6.25% p.a. as a 2026 reference. The AED is USD-pegged, so rates track the US Fed. Verify the current offer with the bank.
How is ADCB monthly payment calculated?
Using the reducing-balance formula on the financed amount. Enter the property price, down payment, rate and tenure in the calculator above.
How much deposit do expats need?
Expats typically need a 20% minimum down payment for properties under AED 5M, plus ~7–8% transaction costs (DLD 4%, agent 2%, registration).
Is this Islamic finance?
This is conventional. For Shariah-compliant home finance see Dubai Islamic Bank.