The Abu Dhabi Housing Authority announced on Friday that it signed cooperation agreements with three additional national banks to offer UAE nationals top-up real estate financing at subsidized interest and profit rates.
The agreements will benefit recipients of the housing loan program provided by the authority, in partnership with First Abu Dhabi Bank, Abu Dhabi Islamic Bank and Al Maryah Community Bank.
Supported by the Abu Dhabi Government, this move reflects the authority’s ongoing efforts to increase homeownership rates among UAE nationals and provide accessible financing solutions.
“The Abu Dhabi Housing Authority remains committed to bolstering strategic partnerships with leading entities in the national banking sector, led by a vision to provide flexible and accessible financing solutions that meet citizens’ needs and fulfil their aspirations,” said His Excellency Hamad Hareb Al Muhairi, director heneral of the Abu Dhabi Housing Authority.
Additional financing of up to AED500,000 provided
Through these agreements, Emiratis who have obtained loans from the Abu Dhabi Housing Authority for purchasing or constructing a home, and whose monthly income exceeds AED30,000, can obtain additional financing of up to AED500,000 from empanelled partner banks, with a repayment period of up to 25 years.
The financing will be provided by the partner banks in compliance with the regulations of the UAE Central Bank and in accordance with Islamic Sharia principles and internal policies, with Abu Dhabi Government subsidising 50 percent of its interest and profit rates.
“These agreements also reflect our broader efforts to assist citizens in owning suitable homes within a sustainable housing system that supports their family stability and social wellbeing. Moreover, we remain dedicated to expanding our services and offering additional financing options to enhance citizens’ quality of life, further streamlining the journey of building or purchasing homes,” added Al Muhairi.
UAE Nationals who have obtained an AED1.75 million loan from the authority, including those who have activated their loans but have not yet begun disbursing payments to contractors and developers, are eligible for this top-up facility, which offers greater flexibility in planning residential homes.
Eligible UAE Nationals can now benefit from these facilities and apply for top-up financing through any of the participating banks via the Iskan Abu Dhabi app.
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Abu Dhabi eases homeownership for citizens
In May 2025, His Highness Sheikh Khaled bin Mohamed bin Zayed Al Nahyan, Crown Prince of Abu Dhabi and Chairman of the Abu Dhabi Executive Council, approved 14 new integrated housing projects across the emirate of Abu Dhabi.
The projects will deliver 35,000 new housing benefits over the next five years, including 26,000 residential units for Abu Dhabi citizens, with a total budget of AED82.7 billion, in addition to the development of approximately 9,000 residential land plots.
Sheikh Khaled has also approved a series of additional benefits to the housing loans ecosystem. These include a community support subsidy of AED250,000 to be automatically and retroactively deducted from the total loan amount for all housing loans totalling AED1.75 million, as per the 2023 housing benefits policy.
Sheikh Khaled also approved the extension of loan repayment periods to up to 30 years, helping to reduce monthly instalment amounts.
