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NHL Programme for Customers

- 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

This programme provides Emirati citizens of Abu Dhabi with an interest-free housing loan to buy or to build a private home on a plot of land granted by the Abu Dhabi Housing Authority (ADHA). Loans are valued up to AED 2.25 million and are repaid in installments over the approved loan tenor. For more details, please see the steps below.

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

We are currently experiencing higher call volumes than usual. We encourage you to use the FAB Mobile app and check our .



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