Abu Dhabi Housing Authority, in collaboration with four national banks, provides additional housing finance for beneficiaries of housing loans, under facilitated terms.
What is the Additional Finance Program?
The Additional Finance is an optional housing finance of up to AED 500,000 provided by participating banks. It is available to beneficiaries who have already received prior housing finance approval from the Abu Dhabi Housing Authority (ADHA), subject to the credit policies and terms of the selected bank.
You can apply to only one bank offer at a time. If the request is canceled, you may reapply with another bank.
The beneficiary may incur additional costs that vary by bank and usually include:
• Administrative fees
• Life insurance
• Property insurance
• Property valuation or inspection fees
Note: All fees are subject to Value Added Tax (VAT) as per the law.
Eligible beneficiaries can apply through the "ISKAN ABUDHABI" platform. If you meet the eligibility criteria, the option to apply will appear on the platform’s homepage. Once selected, you will be redirected to the chosen bank’s page to complete in the online application form. The bank will then contact you directly to proceed with the process.
Additional Housing Loan in Collaboration with National Banks
The Abu Dhabi Housing Authority, in collaboration with four national banks, offers an additional housing loan to support beneficiaries of existing housing loans.
The additional loan provides financing of up to AED 500,000. As part of this initiative, the Abu Dhabi Government will cover 50% of the applicable interest or profit rate.
The repayment period can extend up to 25 years. This financing is available to UAE nationals who have already received a loan for building a home or purchasing a ready property.
Participating National Banks:
- Abu Dhabi Islamic Bank (ADIB)
- First Abu Dhabi Bank (FAB)
- Al Maryah Community Bank (MBank)
- Abu Dhabi Commercial Bank (ADCB)
Applications can be submitted through the "Iskan Abu Dhabi " mobile application.
Note: Profit rates vary depending on the participating bank, as detailed in the table below.
|
IRR |
STL Hybrid |
NSTL Hybrid |
|
ADIB |
4.96% |
5.16% |
|
FAB |
5.02% |
5.36% |
|
ADCB |
5.31% |
5.50% |
|
IRR / internal rate of return as on 25th June '25 for 300 months tenor. This is a measure of overall cost per annum. |
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For more details, refer to the pricing of respective banks. |
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