Learn about the fees you need to consider when taking out a mortgage in Abu Dhabi.

General mortgage fees

When taking out a mortgage loan anywhere in the world it’s essential to budget in for extra fees, in addition to the down payment (aka the cash deposit) and subsequent monthly mortgage payments. Getting a mortgage loan in Abu Dhabi is no exception. The required mortgage costs in Abu Dhabi are typically lower than those in neighboring Dubai, which include Dubai Land Department (DLD) fees and title deed fees. Homebuyers in Abu Dhabi are still advised to budget around 5% of the purchase price of their property to put towards additional taxes and fees. 

So what are these additional fees we’re talking about? There are land department fees, including the transfer fee, mortgage registration fee, and title deed fee, trustee registration fee, and real estate agency fee. Here are estimates of the general mortgage costs in Abu Dhabi (excluding the 5% VAT):
  • Land department transfer fee: 2% of the purchase price plus AED 580 
  • Mortgage registration fee: 0.1% - 0.25% of the mortgage loan amount plus AED 290
  • Title deed registration: AED 1,000 
  • Trustee fee: AED 4,000
  • Real estate agent fee (if applicable): 2% of the purchase price

Bank purchasing fees

There are also some fees that can vary based on the bank and the borrower's residency. First, we’ll look at the bank purchasing fees for UAE nationals and residents, including the minimum down payment, bank processing fee, valuation fee, and bank arrangement fee. 

The minimum down payment is typically 15% of the purchase price for nationals and 20% for resident expats, but some banks have stricter conditions regarding down payments as specified in the table. Bank processing fees cover loan underwriting, processing, and issuing, including document preparation and appraisal review. Banks also order and charge for a property valuation with a corresponding valuation certificate as part of their mortgage application requirements. Less commonly, banks may have an additional fixed fee known as an arrangement fee. The table below shows the specific mortgage costs that each bank charges in Abu Dhabi. 

All of the banks listed below also have a bank service fee of AED 5,250 for UAE nationals and residents.
Bank Minimum down payment Bank processing fee (% of loan amount) Bank valuation fee Bank arrangement fee
Emirates NBD 15 - 20% 0.50% AED 3,150 n/a
HSBC 20% 0.25% AED 2,625 n/a
First Abu Dhabi Bank (FAB) 15-20% 0.50% AED 3,150 n/a
First Abu Dhabi Bank Islamic 15-20% 0.50% AED 3,150 n/a
Abu Dhabi Commercial Bank (ADCB) 15-20% 0.75% AED 3,150 n/a
RAKBank 20% 0.50% AED 1,943 n/a
United Arab Bank (UAB) 20% 0.50% AED 3,150 n/a
Mashreq 15% 0% AED 2,625 n/a
Commercial Bank of Dubai (CBD) 15-25% 0.50% AED 3,150 n/a
Abu Dhabi Islamic Bank (ADIB) 15-25% 0.50% AED 2,625 n/a
Standard Chartered Bank (SCB) 25% 0% AED 3,150 n/a
National Bank of Fujairah (NBF) 15-20% 0.50% AED 2,625 n/a
Dubai Islamic Bank (DIB) 15-20% 0% AED 2,625 n/a
Arab Bank (AB) 15-20% 0% AED 2,625 n/a
Ajman Bank 15-20% 1% AED 3,150 n/a
Emirates Islamic Bank (EIB) 15-20% 1% AED 2,625 AED 1,050

Sometimes, banks have special offers to eliminate specific fees or they will refund the arrangement and/or valuation fee after loan disbursement (i.e. once you receive the full loan amount).

Bank purchasing fees for non-resident borrowers

Now let’s consider the same fees but for banks offering loans to non-resident borrowers. Fewer banks offer mortgages to non-residents.  

All of the banks listed below also have a bank service fee of AED 7,500 for non-residents.
Bank Minimum down payment Bank processing fee (% of loan amount) Bank valuation fee Bank arrangement fee
Emirates NBD 20% 0% AED 3,150 n/a
First Abu Dhabi Bank (FAB) 35% 1% AED 3,150 n/a
RAKBank 20% 1% AED 1,943 AED 1,050
Mashreq 50% 1% AED 2,625 AED 1,050
Commercial Bank of Dubai (CBD) 40% 1% AED 3,150 n/a
Abu Dhabi Islamic Bank (ADIB) 50% 0.50% AED 2,625 n/a
Dubai Islamic Bank (DIB) 25% 1% AED 2,625 AED 1,500
HSBC 40% unknown AED 2,625 unknown

As you can see, banks typically have higher down payment requirements and fees for non-resident buyers.

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