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National Housing Loan

Own your dream home with FAB NHL


  • If you do not keep up your repayments/payments, you may lose your property
  • You may have to pay penalties if you pay off a loan/financing early
  • Refinancing your loans/financing may take longer to pay off than your previous loan/financing and may result in paying more in interest/profit
  • If you do not meet the repayments/payments on your loan/financing, your account will go into arrears. This may affect your credit rating, which may limit your ability to access financing in the future

ADHA Offers

Save while building your dream home

Enjoy great savings while you build your dream home with a FAB National Housing Loan and the BAITAK HILMAK programme from Danube Home.

Exclusive benefits from IKEA

Get a personal finance with rates as low as 2.99%* from FAB Islamic to furnish your home at IKEA, and benefit from a faster application process.


We are putting your future in your own hands, with the all-new NHL Mobile app. You can now enjoy a seamless journey which allows you to apply for a National Housing Loan and manage it - all through the NHL app, in just a few taps. Simple, secure and hassle-free!

National Housing Loan Programme - Customers

This programme provides Emirati citizens with interest-free housing loans to buy prefabricated homes, to build private homes, or expand existing ones. Loans are valued at AED 2.25 million and have flexible repayment periods of up to 25 years.

NHL Programme - Consultants and Contractors

This programme provides advisory services and contracting companies' services to Emirati citizens who have obtained interest-free housing loans (interest-free loan) from the Abu Dhabi government for the purpose of purchasing prefabricated housing, building private homes, or expanding existing homes.

Sheikh Zayed Housing Programme and Mubadarat NHL Partnership

Sheikh Zayed Housing Programme and Mubadarat beneficiaries can now register their approved home finance on the FAB NHL app

Get in touch

Need more help?

Contact us anytime for further assistance or check out our FAQ page for more information.

For customer within the UAE NHL Service from within in the UAE
600 52 5500 600 56 0137

For customers from outside of the UAE NHL Service from outside of the UAE
+971 2 681 1511 +971 2 499 6111