Emirates NBD vs Abu Dhabi Islamic Bank (ADIB) — UAE Mortgage Comparison
Emirates NBD is the UAE's largest bank by assets, offering conventional mortgages with competitive variable rates. ADIB is one of the leading Islamic banks, providing Sharia-compliant home financing through Murabaha and Diminishing Musharaka structures. This comparison helps you choose based on rates, fees, and your financing preferences.
| Category | Emirates NBD | Abu Dhabi Islamic Bank (ADIB) |
|---|---|---|
| Best fixed rate (salaried) | 3.99% (1-year fixed) | 5.19% (1-year fixed) |
| Best variable rate | EIBOR + 1.75% | EIBOR + 1.99% equivalent |
| Maximum LTV (expat) | 80% (expat) | 80% (expat) |
| Maximum tenure | 25 years | 25 years |
| Minimum salary | AED 15,000 | AED 10,000 |
| Processing fee | 1% of loan amount | 1% of loan amount |
| Early settlement (variable) | 1% or AED 10,000 cap | 1% or AED 10,000 cap |
| Property valuation fee | AED 2,625 - 3,150 | AED 2,500 - 3,500 |
| Pre-approval speed | 2-3 business days | 3-5 business days |
| Sharia compliance | Conventional only | Fully Sharia-compliant |
Apply for your UAE mortgage via Mortigo
Verdict
Emirates NBD edges ahead on rates and processing speed, making it ideal for borrowers focused on the lowest cost. ADIB is the better choice for those seeking Sharia-compliant financing or with lower salary thresholds. Both banks have strong market presence and comprehensive product ranges.
Bank Profiles
Read the full mortgage review for each bank to understand their rates, eligibility criteria, and product range:
- Emirates NBD 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
Emirates NBD vs Abu Dhabi Islamic Bank (ADIB)
Emirates NBD is the UAE's largest bank by assets, offering conventional mortgages with competitive variable rates. ADIB is one of the leading Islamic banks, providing Sharia-compliant home financing through Murabaha and Diminishing Musharaka structures. This comparison helps you choose based on rates, fees, and your financing preferences.
ENBD typically offers lower fixed rates due to its scale
ENBD typically offers lower fixed rates due to its scale
ADIB has a lower salary threshold
ADIB has a lower salary threshold
ADIB offers Murabaha and Diminishing Musharaka
ADIB offers Murabaha and Diminishing Musharaka
Verdict
Emirates NBD edges ahead on rates and processing speed, making it ideal for borrowers focused on the lowest cost. ADIB is the better choice for those seeking Sharia-compliant financing or with lower salary thresholds. Both banks have strong market presence and comprehensive product ranges.