Abu Dhabi Commercial Bank (ADCB) vs Abu Dhabi Islamic Bank (ADIB) — UAE Mortgage Comparison
ADCB and ADIB are Abu Dhabi's two dominant home financing banks, each representing a different model: ADCB offers conventional interest-based mortgages with competitive fixed rates, while ADIB provides fully Sharia-compliant home financing. Both have strong Abu Dhabi government employee programmes and broad UAE coverage. This comparison helps you choose between conventional and Islamic financing in Abu Dhabi's premier banks.
| Category | Abu Dhabi Commercial Bank (ADCB) | Abu Dhabi Islamic Bank (ADIB) |
|---|---|---|
| Best rate (1-year) | 3.55% fixed | 3.69% equiv. (Islamic) |
| Best variable rate | EIBOR + 1.79% | EIBOR + 1.99% equiv. |
| Maximum LTV (expat) | 75% | 75% |
| Maximum tenure | 25 years | 25 years |
| Minimum salary | AED 15,000 | AED 10,000 |
| Processing fee | 1% | 1% |
| Sharia compliance | Conventional only | Fully Sharia-compliant |
| Cash-out refinancing | Up to 65% LTV | Available (Islamic structure) |
| Government employee rates | Preferential (ADCB scheme) | Preferential (ADIB scheme) |
| Pre-approval speed | 2–4 business days | 3–5 business days |
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Verdict
ADCB offers better conventional rates and faster processing, making it the preferred choice for borrowers focused on lowest cost. ADIB's lower salary threshold (AED 10,000 vs AED 15,000) and Sharia-compliant structures make it more accessible and essential for Muslim borrowers. For non-Muslim borrowers or those primarily focused on rate, ADCB edges ahead; for Sharia-compliance or lower salary, ADIB is the clear choice.
Bank Profiles
Read the full mortgage review for each bank to understand their rates, eligibility criteria, and product range:
- Abu Dhabi Commercial Bank (ADCB) Mortgage Review — Full Rates & Eligibility
- Abu Dhabi Islamic Bank (ADIB) Mortgage Review — Full Rates & Eligibility
Also see: All UAE Mortgage Banks | More Bank Comparisons | Mortgage Calculator
Abu Dhabi Commercial Bank (ADCB) vs Abu Dhabi Islamic Bank (ADIB)
ADCB and ADIB are Abu Dhabi's two dominant home financing banks, each representing a different model: ADCB offers conventional interest-based mortgages with competitive fixed rates, while ADIB provides fully Sharia-compliant home financing. Both have strong Abu Dhabi government employee programmes and broad UAE coverage. This comparison helps you choose between conventional and Islamic financing in Abu Dhabi's premier banks.
ADCB offers a lower conventional rate
ADCB offers a lower conventional rate
ADIB is more accessible
ADIB is more accessible
Verdict
ADCB offers better conventional rates and faster processing, making it the preferred choice for borrowers focused on lowest cost. ADIB's lower salary threshold (AED 10,000 vs AED 15,000) and Sharia-compliant structures make it more accessible and essential for Muslim borrowers. For non-Muslim borrowers or those primarily focused on rate, ADCB edges ahead; for Sharia-compliance or lower salary, ADIB is the clear choice.