Skip to content
Search

Calculate Your EMI

Warning

  • Failure to pay your instalments on time could affect your credit rating, which could limit your ability to obtain future financing.
  • Please ensure that the instalment amount is available in the account, so that the system can make the due payments on time, to avoid late payments.
  • If your payments are delayed, you may be ineligible for some of the services available from the Bank or Housing Authority.
  • Late payment of instalments may result in action being taken that may affect the continuity of the financing or any benefits associated therewith.

Updated EMI calculation mechanism

First Abu Dhabi Bank now uses a standardised mechanism for calculating the monthly instalment (EMI) for NHL beneficiaries.

This newly introduced mechanism includes:

  • icon.node-minus.alt
    Maximum monthly deduction and permitted financing tenure
    • OR
  • icon.node-minus.alt
    The updated deduction percentage approved by the Abu Dhabi Housing Authority
    • OR
  • icon.node-minus.alt
    Learn more about the EMI calculation mechanism
    • OR
  • icon.node-minus.alt
    View your revised monthly instalment amount
    • OR

Please use the links below to access the additional information and to check your EMI.

EMI Calculation Tables for NHL individual customer
PDF
EMI Calculation Tables for NHL joint account
PDF

Terms and conditions

  1. The attached table contains the ADHA New EMI for NHL Customerspolicy however the policy applies exclusively to existing customers whose accounts were activated from 2016 onwards only.
  2. The EMI and related details will apply exclusively to the loan amounts specified in the attached table. Loan Amounts which are not part of the table are not included in the new EMI policy.
  3. The new calculation method is applicable to newly onboarded and activated customers going forward from October 2025.
  4. All the calculation methodology, EMI policy and criteria is as per ADHA policy and terms.
  5. The EMI tables for Single loans and Joint co-applicants must be referred to based on the whether it is a individual loan or the loan is joint with co-applicants.
  6. Postponed loans may have a different criteria.
  7. The policy only applies to the following:
    • House construction
    • loan/House demolish and rebuilding
    • Loan/House purchase
    • loan(Ready Villa)/Developer Loan
    Any other loan type is excluded.
  8. EMI amounts are not considering the extra EMI amounts coming from deferments, rescheduling & restructuring.
  9. The EMI calculations are based on the total income (I.e: rents, business, etc) not on salary only.
  10. The reduced EMI is applicable as of the date of implementation in the system, there is no refund for any EMI that is already paid

Need more help? Get in touch

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