This programme provides Emirati citizens with interest-free housing loans to buy prefabricated housing or to build private homes on a plot of land granted by the Emirate of Abu Dhabi, or to extend their existing homes. Loans are valued at AED 2.25 million, to be repaid in equal monthly installments for a period of up to 25 years. To apply for a loan and for more details, please see the steps below.

Registration

FAB sends a text message to the customer to download the FAB NHL application and book an appointment at one of the branches.

Procedures for Opening Account for Loan

The customer visits the branch and submits the documents required to open a loan account.

Selection of Consultants and Contractors

The customer selects a consultant to draw up the design, then the contractor is selected through a tender.

Construction

The contractor begins construction on the site, and then FAB begins disbursing payments to it, according to the percentage of completion approved by the project consultant.

Delivery

After the works are completed, the contractor will hand over the house to the owner.

Repayment

The installments will be repaid after the delivery of the project, or after two years from the date of granting a loan to the contractor.

Required documents

The original passport
The original Emirates ID card
Original salary certificate (valid and indicating gross salary)
In the case of popular housing, please provide the original title deed
12 cheques
Letter with the original IBAN (in English)
Sign up in the "Smart Pass" application, activate the account with Abu Dhabi Municipality, and request the following documents:
- Valid research certificate, provided that its validity period is 15 days
- The plot diagram valid for six months
- Request to register a mortgage and choose the following specifications:
  - FAB NHL
  - First-class mortgage
  - Mortgage value - the value of the loan approved by the Abu Dhabi Housing Authority
  - Selecting the land benefitting from the housing loan
If salaried, 6 months bank statement of salary account