Emaar homebuyers can secure up to 50% financing before handover

ADCB offers renewable pre-approval and rates from 3.49% on Emaar homes

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Dubai: Eligible Emaar Development customers can secure pre-approval for financing of up to 50% of a property’s value under a new agreement with Abu Dhabi Commercial Bank.

The financing option will cover ready and off-plan homes across Emaar Development’s premium residential communities in Dubai.

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Initial pre-approval will remain valid for 12 months and can be renewed annually throughout the construction period until handover.

Financing certainty during construction

The annually renewable structure means eligible buyers can arrange a substantial portion of their financing before an off-plan property is completed, reducing uncertainty over access to funds at handover.

Customers will be able to complete the application through a streamlined, digitally enabled process supported by ADCB’s mortgage services.

The agreement also extends financing options to buyers purchasing completed properties within Emaar Development’s portfolio.

Rates start from 3.49%

ADCB will offer interest or profit rates starting from 3.49% per annum, fixed for three years, for a limited period.

Eligible buyers will also pay no processing or valuation fees, reducing some of the upfront costs associated with arranging property finance.

The companies said the financing solutions are intended to make home ownership more accessible by combining lower initial costs with greater visibility over funding during the construction period.

Nivetha Dayanand is Assistant Business Editor at Gulf News, covering aviation, financial markets and commodities. A business and financial journalist with a strong interest in multimedia storytelling, she regularly takes complex financial and economic subjects beyond the written word, producing explainer videos that make them easier for a wider audience to understand. Nivetha has interviewed senior policymakers, business leaders and global financial figures both on and off camera. Her past guests include UAE Minister of Economy and Tourism Abdulla bin Touq Al Marri, Khaled bin Alwaleed Al Saud, a member of the House of Saud and the founder and CEO of KBW Ventures, Jihad Azour, Director of the Middle East and Central Asia Department at the International Monetary Fund and Indian ministers Hardeep Singh Puri and N. Chandrababu Naidu. She has also hosted and moderated panels, conferences and awards shows, bringing her newsroom experience to live conversations on business, finance and the economy. An Erasmus Mundus journalism alum, Nivetha is drawn to stories that affect people directly and to reporting that gives a platform to voices that might otherwise go unheard. She was among the first journalists to speak to Petrofac employees in the UAE about unpaid salaries, broke the news of the planned demolition of Dubai’s well-known “Toyota Building”, and helped set the record straight on widely circulated claims that a giant replica of the Moon was coming to Dubai. More recently, her exclusive interview with EDGE Group CEO Hamad Al Marar revealed how the UAE-based defence group deployed its systems along the country’s shore border and established a geofence around the UAE within 48 hours of the February 28 escalation. Prior to joining Gulf News, Nivetha worked at ITP Media, where she helped launch Finance Middle East, a new publication covering the region’s financial sector. Her role spanned reporting and editing, video production, interviews and events. Across print, digital, and video, she focuses on finding the people behind business stories and explaining why those stories matter to the audience reading or watching them.

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