Manage your National Housing Loan debts
Choose the option that works for you. Settle your overdue amount in full or request to reschedule it through the FAB NHL app.
1- Check what you owe
Review your outstanding payments: You can easily check your outstanding and overdue amounts in the FAB NHL app before making a payment.
2- Ways to deal with your overdue amounts
You can settle the arrears in full or submit a request to reschedule them. If you’re unsure about what the most suitable solution is for you, simply contact the National Housing Loans Collections team.
Pay your overdue amount in full
Deposit or transfer the full outstanding amount to your National Housing Loan account. The International Bank Account Number (IBAN) for your housing loan is available in the FAB NHL app.
Request to reschedule your overdue amount
If you need more flexibility, you can submit a request to reschedule the arrears in accordance with the approved terms and conditions. The monthly instalment will increase.
The bank will decide whether the request is processed as rescheduling or restructuring, in accordance with the applicable policy.
Need more focused help?
Speak to the National Housing Loans Collections team to review your situation and gain a better understanding of all your available options.
If the screening requirements are not met, the request cannot proceed. What happens if your request is not approved
Required documents
Submitting a loan restructuring or rescheduling request requires attaching the following documents.
01
Step 1
Ensure eligibility. All eligible customers may apply to reschedule instalments or overdue amounts through the FAB NHL app, in accordance with the steps and requirements shown in the app.
02
Step 2
Submit a request for the loan to be rescheduled or restructured, you will be able to track this through the FAB NHL app.
03
Step 3
Make sure you submit any additional documents. Some requests may require submitting additional details or visiting one of the bank branches to complete the necessary requirements and procedures, depending on the case assessment and the bank's approved controls and policies.
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Don't have the app yet?
Put your future in your hands with the FAB NHL app!
Open the FAB NHL app to submit and track your rescheduling request.
- Log in to the FAB NHL app
- Manage your loan and track your instalments
- Submit and track a rescheduling request
- Avail a range of service requests
- Apply for FAB products
- Help and Support
5- After you apply
What happens after you apply?
- The restructuring or rescheduling request will be reviewed and processed within 10 working days, starting from the date of receiving all required documents and signing the contract, in accordance with the approved procedures and policies.
- You can follow up on the status of your request and benefit from the available services through the FAB NHL app, which provides easy access to information and updates related to your request.
What will you need to pay while your request is being reviewed
For the month in which the request is submitted, the due amount will be calculated and confirmed as part of the review process.
Requests are assessed individually
Each request is reviewed independently. Overdue amounts may be distributed over the remaining loan term or processed according to the approved mechanism, depending on the loan status and applicable controls. The new instalment amount is determined based on the outcome of the request review and the applicable terms and conditions of the bank.
If the request is approved: Your updated repayment plan and what happens after approval
If your request is approved, your overdue amount will be included in your loan balance and repaid through an updated repayment schedule.
- Please note that your monthly instalment will increase. Loan rescheduling distributes the full overdue amounts over the remaining loan tenor. Loan restructuring distributes them over the monthly instalments due during the last five years of the loan tenor, increasing the instalments during that period.
- The overdue amounts covered by the approval will be added to the outstanding loan balance, and the customer is required to repay them according to the amended and approved repayment schedule.
- Customers should be aware that this may result in changes to the instalment amount, due date, or repayment schedule to reflect the outstanding balance and overdue amounts as of the rescheduling implementation date.
If your request is not approved, here’s what happens
If you do not meet the screening requirements, the request cannot proceed. The request will also be declined if the required documents are not signed, or if it is not approved due to missing documentation. In each case you will be required to settle the overdue amount.
6- After rescheduling is implemented
Once the rescheduling starts
- The customer must ensure that sufficient funds are available in the account designated for repayment, as deductions will be processed in accordance with the bank's approved direct debit instructions.
- If the customer fails to pay the due instalments after the rescheduling is implemented, the bank reserves the right to take the necessary actions to collect the outstanding amounts in accordance with the applicable terms, conditions and policies.
- Default or irregular repayment may affect the loan status and the customer's eligibility to benefit from any future benefits, support programmes or exemptions, subject to the approved policies.
- All terms and conditions of the original loan agreement remain valid and effective unless otherwise stated in the approved rescheduling document or notice.
7- Want to know more?
Loan rescheduling: This is when you distribute the full overdue amounts over the remaining loan tenor, which will result in an increase in the monthly instalment amount.
Loan restructuring: This means distributing the full overdue amounts over the monthly instalments due during the last five years of the loan tenor, which will result in an increase in the monthly instalments during this period.
No, submitting the documents does not constitute final approval of the request. The request is subject to review and assessment in accordance with the bank's eligibility criteria and approved policies. The customer may be required to complete additional documents or sign the required contracts and documents before the request is approved and activated.
If the required documents are not signed after the request is approved, the request activation procedures will not be completed, and the approval is not valid. You will be required to settle the overdue amount.
Delay in paying the overdue amounts may result in negative remarks being recorded on your credit report with Al Etihad Credit Bureau, which may affect your ability to obtain financing, credit facilities, or banking services in the future.
Continued failure to address the arrears may also require the bank to take the appropriate collection or legal actions, in accordance with the terms and conditions of the granted facility, approved policies, and the applicable laws and regulations in the United Arab Emirates.
Therefore, we encourage you to contact the National Housing Loans Team as soon as possible to discuss your current financial situation and the available solutions, in order to settle the existing arrears and reduce any additional impacts or obligations that may result from them.
Yes, late payment of dues may negatively reflect on a customer's credit record with Al Etihad Credit Bureau, depending on the length of the delay, the amount of overdue payments, and the credit status of the account.
To maintain a good credit record and avoid any potential negative impact on future credit transactions, it is recommended to pay dues on their due dates or contact the National Housing Loans Team if you face any financial difficulties, in order to review the available solutions and options in accordance with the approved policies and procedures.
No, updating the arrears status in the account may take some time after the payment or transfer is completed, in accordance with the bank's approved processing time and internal procedures. The account status will be updated after the payment is processed and posted.
Yes, if the issue is not resolved or further review is required, you may submit a complaint through the bank's approved official channels. The complaint will be registered, reviewed, and handled in accordance with the approved complaint handling procedures and policies.
8- Terms and Conditions
Please review all terms and conditions carefully before submitting the request and contact First Abu Dhabi Bank's official channels if any enquiry or clarification is needed.
All rescheduling or restructuring requests are subject to study, review and approval, in accordance with the approved policies and procedures of First Abu Dhabi Bank, the Abu Dhabi Housing Authority and any other relevant authorities.
Need more help? Get in touch.
You can contact the National Housing Loans Team to obtain support and advice regarding the available options. The dedicated customer service team will provide the necessary support, answer your enquiries, and assist you in reviewing the suitable solutions and options for your case
| For customers within the UAE | NHL Service from within the UAE | ||
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600 52 5500 | |
600 56 0137 |
| For customers from outside of the UAE | NHL Service from outside of the UAE | ||
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+971 2 681 1511 | |
+971 2 499 6111 |
National Housing Loans Collections departments
| Abu Dhabi | Al Ain | ||
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First Abu Dhabi Bank, Al Qurm area, Business Park Building | |
First Abu Dhabi Bank, Oud Al Touba area, National Housing Loans Department |
Our specialised teams will be pleased to welcome you during official working hours to provide support and answer your enquiries related to National Housing Loans and to follow up on related requests and services.
If your loan is up to date, see National Housing Loan to manage your loan in the app.