Abu Dhabi’s interest-free marriage loan: Dh150,000 for a stable family start

Abu Dhabi: Abu Dhabi’s Social Support Authority (ADSSA) has unveiled a new initiative aimed at supporting Emirati couples embarking on their marital journey.

The easy marriage loan, offering up to Dh150,000 with no interest or fees, is designed to help young couples establish stable, financially secure marriages.

Since its launch in September 2024, the ADSSA has received 515 applications, with 58% meeting all eligibility criteria, 32% failing to qualify, and 10% still under review.

Emirati family growth

The loan is part of the larger Emirati Family Growth program, which aims to reduce the financial burden on citizens planning to marry. This initiative not only promotes family stability but also seeks to foster a culture of affordable weddings, enhancing the quality of life for Emirati families and encouraging marriage and childbirth.

Who qualifies

To qualify for the loan, applicants must meet nine mandatory conditions outlined by the ADSSA, including being UAE nationals, registering with the “Medeem” platform, and adhering to specific age and salary requirements.

Additionally, the loan offers a unique benefit: Dh50,000 of the loan will be written off after five years if the couple has two children during that period.

The Abu Dhabi Department of Community Development (DCD) also highlighted the long-term benefits for newly-weds. Those who meet the conditions can use the loan to plan a wedding that aligns with traditional Emirati values and personal needs, helping them begin their married life with less financial strain.

Extended maternity leave

Moreover, the Family Growth Program (Namo) includes several other initiatives aimed at supporting Emirati families, such as extended maternity leave, housing loan discounts for families with multiple children, and rental assistance for newly-weds. With a focus on family cohesion and economic development, these initiatives are set to strengthen the fabric of Emirati society while promoting growth and stability in family life.

Eligibility criteria

1- Both spouses must be UAE nationals.

2- The husband must hold a Family Book issued in Abu Dhabi.

3- Registration with the “Medeem” platform must be completed, including selecting a wedding package.

4- The applicant must not have been married previously, except in the case of widowers.

5- The husband must be at least 21 years old, and the wife at least 18 years old at the time of marriage contract signing.

6- Applications must be submitted by the husband within six months of the marriage contract date.

7- The husband’s total monthly salary must be less than Dh60,000

8- The husband must meet the credit worthiness standards as per lending policies in UAE banks.

9- The loan is granted only once

Key details

Dh150,000 interest-free marriage loan for Emirati couples.

Dh50,000 loan waved after five years with two children.

Eligibility includes age, salary, and marital status requirements.

The initiative is part of the broader Emirati Family Growth program

The ADSSA continues to receive applications, with officials encouraging eligible citizens to take advantage of this comprehensive support system designed to promote sustainable family development in Abu Dhabi.