ADCB Mortgage Calculator
Estimate your monthly ADCB home-finance payment in AED at current rates. Free, no signup.
fin·calc is an independent, unaffiliated calculator — not endorsed by, sponsored by, or affiliated with ADCB (Abu Dhabi Commercial Bank). "ADCB (Abu Dhabi Commercial Bank)" is used only to describe typical rates and terms; confirm actual terms directly with the bank.
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.
ADCB Mortgage Rates: What's Current
ADCB's own Standard Mortgage Loan page advertises interest rates starting from 3.99% per annum for its Excellency/Emirati Excellency customer segments. ADCB's own EIBOR reference page lists the 3-month EIBOR at approximately 4.1647% and the 1-month EIBOR at approximately 3.8637%.
Worked Example: ADCB Fixed Rate
AED 1,500,000 at 3.99% over 25 years (300 payments): r = 0.0399/12 = 0.0033250, (1+r)300 ≈ 2.707012.
M ≈ AED 7,909.27 per month. Total payments ≈ AED 2,372,780; interest ≈ AED 872,780.
Frequently Asked Questions
What interest rate does ADCB currently advertise for mortgages?
ADCB's own website advertises a rate starting from 3.99% per annum for its Standard Mortgage Loan, available to eligible Excellency/Emirati Excellency customers.
What is EIBOR and how does it affect an ADCB mortgage?
EIBOR is the benchmark UAE banks use to price variable-rate loans. ADCB's own published EIBOR table shows the 3-month rate at roughly 4.16% and the 1-month rate at roughly 3.86%.
Does ADCB's advertised 3.99% rate apply to all customers?
No — ADCB states this rate applies specifically to its Excellency and Emirati Excellency customer segments, and the applicable rate varies by customer profile and loan structure.