ADCB Launches Off-Plan Mortgage Scheme to Boost UAE Home Financing Options*

Abu Dhabi Commercial Bank (ADCB) has introduced a new off-plan mortgage scheme designed to make property financing more accessible and flexible for homebuyers in the UAE. The initiative aiADCB Launches Off-Plan Mortgage Scheme to Boost UAE Home Financing Optionsms to support customers purchasing properties that are still under construction, a segment that continues to drive strong activity in the country’s real estate market.

Under the new offering, eligible buyers can secure early mortgage pre-approval for off-plan properties, giving them greater clarity on financing well before project completion. The scheme allows financing of up to 50% of the property value, helping reduce upfront financial pressure while improving planning certainty for buyers.

ADCB’s solution is structured to bridge the gap between initial property booking and final handover. The pre-approval remains valid for up to 12 months and can be renewed, ensuring buyers maintain financing visibility throughout the construction phase. Once the property nears completion, the arrangement smoothly transitions into a standard mortgage.

To further enhance customer convenience, the bank has introduced the scheme with zero processing and valuation fees, alongside competitive fixed interest rates starting from around 3.49% for three years. This makes the offering more attractive for both first-time buyers and investors looking to enter the off-plan segment.

The move reflects a broader trend in the UAE banking sector, where lenders are increasingly stepping into the off-plan space earlier in the property lifecycle. With off-plan sales forming a significant share of transactions in cities like Dubai and Abu Dhabi, such financing solutions are expected to improve market liquidity and strengthen buyer confidence.

Overall, ADCB’s initiative is seen as a timely boost to the UAE property market, offering greater financial flexibility, reducing uncertainty for buyers, and reinforcing the country’s position as a dynamic global real estate hub.

*Terms & conditions will apply as per the bank rules