Abu Dhabi Islamic Bank Mortgage Review UAE 2026
Abu Dhabi Islamic Bank (ADIB) is one of the UAE's largest Islamic banks, offering fully Sharia-compliant home financing through Murabaha and Diminishing Musharaka (Musharkah) structures. ADIB is particularly popular among UAE nationals and government employees, offering one of the lowest minimum salary thresholds (AED 10,000) in the market. While ADIB's profit rates are slightly higher than conventional banks, many borrowers prefer Islamic financing for religious or philosophical reasons.
ADIB Mortgage Rates
| Rate Type | Rate |
|---|---|
| Diminishing Musharaka (1-year fixed) | From 3.69% p.a. equiv. |
ADIB Eligibility
- Minimum salary: AED 10,000
- Maximum LTV (expats): 75% (properties under AED 5M)
- Established: 1997
- Headquartered: Abu Dhabi, UAE
- Total assets: AED 185 billion+
Best For
Muslim borrowers seeking Sharia-compliant financing, UAE nationals, and borrowers with lower salary thresholds
Compare ADIB Mortgages
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Also see: All UAE Banks | Bank Comparisons