Al Hilal Bank Mortgage Review UAE 2026
Al Hilal Bank is a fully Sharia-compliant Islamic bank headquartered in Abu Dhabi, operating as a subsidiary of Abu Dhabi Islamic Bank (ADIB). Al Hilal offers a full suite of Islamic home finance products including Murabaha and Ijara structures, with strong customer service and competitive profit rates. As a subsidiary of ADIB Group, it benefits from strong capital backing and Abu Dhabi government ownership.
Al Hilal Mortgage Rates (2026)
| Rate Type | Rate | Notes |
|---|---|---|
| Murabaha (Fixed 1yr) | From 4.09% | Fixed profit rate for the first year |
| Murabaha (Fixed 3yr) | From 4.39% | 3-year fixed Islamic profit rate |
| Ijara (Variable) | EIBOR + 1.65% | Variable rate linked to EIBOR |
| Green Home Finance | From 3.99% | Preferential rate for energy-efficient UAE properties |
| Fixed Rate (3-year) | From 4.50% p.a. | UAE Nationals/Tharwa customers |
| Fixed Rate (5-year) | From 4.50% p.a. | UAE Nationals/Tharwa customers |
| Variable Rate (EIBOR-linked) | EIBOR + 1.75% | Follow-on rate |
Al Hilal Fees & Terms
| Fee / Term | Details |
|---|---|
| Processing Fee | 1.0% of finance amount (min AED 5,000) |
| Early Settlement Fee | 1.0% of outstanding balance (max AED 10,000) |
| Maximum Loan Tenure | 25 years |
| Conventional Mortgage Available | No |
| Islamic / Sharia Finance Available | Yes |
Al Hilal Mortgage Eligibility
| Criteria | Requirement |
|---|---|
| Minimum monthly salary | AED 8,000 |
| Employment type | Salaried and self-employed |
| Minimum age | 21 years |
| LTV (UAE nationals) | Up to 80% |
| LTV (expats) | Up to 75% |
| Finance tenure | Up to 25 years |
| Minimum monthly salary | AED 8,000 |
| Employment type | Salaried and self-employed |
| Minimum age | 21 years |
| LTV (UAE nationals) | Up to 80% |
| LTV (expats) | Up to 75% |
| Finance tenure | Up to 25 years |
| Maximum age at maturity | 65 years |
| Maximum loan tenure | 25 years |
| Minimum loan amount | AED 250,000/- |
| Maximum loan amount | AED 10,000,000/- |
Al Hilal Pros
- Fully Sharia-compliant products with HSSNB oversight
- Backed by ADIB Group — strong Abu Dhabi government parentage
- Green home finance option for energy-efficient properties
- Strong personal service with dedicated relationship managers
Al Hilal Cons
- Smaller brand recognition than parent ADIB in UAE
- Branch network concentrated in Abu Dhabi emirate
- Islamic structure may not suit all customer preferences
- Islamic structure may not suit all customer preferences
Best For
UAE nationals and expats seeking Sharia-compliant home finance in Abu Dhabi and across the UAE, particularly those interested in green or sustainable property financing.
About Al Hilal Bank
| Detail | Information |
|---|---|
| Established | 2007 |
| Headquartered | Abu Dhabi, UAE |
| Total Assets | Part of ADIB Group — AED 200B+ group assets |
| Product Type | Islamic (Sharia-compliant) |
Frequently Asked Questions
Is Al Hilal Bank part of ADIB?
Yes, Al Hilal Bank is a subsidiary of Abu Dhabi Islamic Bank (ADIB). It operates as a separate fully digital Islamic bank brand within the ADIB Group.
What makes Al Hilal Bank's home finance unique?
Al Hilal offers a green home finance product with preferential profit rates for energy-efficient properties, making it an attractive option for sustainability-conscious buyers.
Can I apply for Al Hilal Bank home finance through Mortigo?
Yes, Mortigo includes Al Hilal Bank in its panel and can compare its Islamic home finance against ADIB, DIB, Emirates Islamic, and other Sharia-compliant lenders.
Compare live mortgage rates from Al Hilal and all major UAE banks at our UAE Mortgage Rates page — updated daily.
Compare Al Hilal with Other Lenders
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Also see: All UAE Banks | Bank Comparisons | Mortgage Calculator
Al Hilal Bank UAE — Islamic Home Finance Review 2026
Al Hilal Bank is a fully Sharia-compliant Islamic bank headquartered in Abu Dhabi, operating as a subsidiary of Abu Dhabi Islamic Bank (ADIB). Al Hilal offers a full suite of Islamic home finance products including Murabaha and Ijara structures, with strong customer service and competitive profit rates. As a subsidiary of ADIB Group, it benefits from strong capital backing and Abu Dhabi government ownership.
Al Hilal Mortgage Rates (2026)
Rates are indicative as of 2026 and subject to individual bank credit assessment. Contact Mortigo for personalised rate quotes.
Pros & Cons
Pros
Cons
Al Hilal Mortgage FAQs
Is Al Hilal Bank part of ADIB?
Yes, Al Hilal Bank is a subsidiary of Abu Dhabi Islamic Bank (ADIB). It operates as a separate fully digital Islamic bank brand within the ADIB Group.
What makes Al Hilal Bank's home finance unique?
Al Hilal offers a green home finance product with preferential profit rates for energy-efficient properties, making it an attractive option for sustainability-conscious buyers.
Can I apply for Al Hilal Bank home finance through Mortigo?
Yes, Mortigo includes Al Hilal Bank in its panel and can compare its Islamic home finance against ADIB, DIB, Emirates Islamic, and other Sharia-compliant lenders.
Eligibility Criteria
Best For
UAE nationals and expats seeking Sharia-compliant home finance in Abu Dhabi and across the UAE, particularly those interested in green or sustainable property financing.