National Housing Loan

The Abu Dhabi Housing Authority (ADHA) provides UAE nationals a non-interest loan of up to AED 2 million to build their own family house on a granted plot of land in the Emirate of Abu Dhabi. We have been the sole manager of the National Housing Loans Programme on behalf of ADHA since 2007.

The current NHL portfolio stands at ~AED 33.6 billion (Q4 2020) with an average monthly disbursement of ~475 Million. Around ~43.5 thousand customers are currently being helped by the NHL programme (as of December 2020). There are multiple types of National housing loans provided by FAB on behalf of ADHA with different purposes and several criteria for repayment:

  • Construction Loan (To develop a house)
  • Maintenance Loan
  • Expansion and Addition Loan
  • Demolition and Reconstruction Loan
  • Ready-made Houses Purchase Loan

We also provide additional funding for NHL customers who want to borrow more than the Abu Dhabi Government Funding of AED 2.0 million.