Abu Dhabi Introduces Up to 75% Off-Plan Home Financing: What Buyers Need to Know

The agreement was announced in July 2026 as a first-of-its-kind off-plan home-financing solution in Abu Dhabi . Modon and ADIB said the facility will allow eligible homebuyers to access financing throughout the property-development journey rather than waiting until the project is completed or close to handover.

The official announcement states that the solution will be available exclusively for future Modon developments . Buyers should not assume that every currently marketed Modon project, resale property or off-plan development from another developer will qualify.

The proposed structure includes:

Off-plan properties are sold before construction is complete. Buyers commonly pay a booking amount followed by instalments linked to specific dates or construction milestones. Depending on the project, a substantial percentage of the purchase price may need to be paid before handover.

Developer payment plans can make an off-plan purchase easier to manage, but the buyer is normally responsible for funding the scheduled instalments from savings or other available capital. Mortgage financing often becomes more relevant closer to completion, depending on the project, bank and applicable lending rules.

The new Modon–ADIB financing solution is intended to introduce financing earlier in the process. Instead of relying only on a developer payment plan during construction and arranging finance later, an eligible customer may have access to an integrated route covering the off-plan stage through to handover.

For salaried end users, this may lower the immediate cash barrier. For investors, it may reduce the amount of capital tied up in one project during construction.

Consider an off-plan property priced at AED 2 million .

Based on the announced percentages:

No. The words “up to” describe the maximum potential level of financing, not a guaranteed approval.

ADIB will assess each applicant according to its credit, income and affordability criteria. A buyer may be approved for 75%, a lower amount or no financing at all. The final approved amount may also be affected by the bank’s valuation of the property.

For example, a purchaser may agree to buy a unit for AED 2 million and expect AED 1.5 million in financing. If the bank approves only AED 1.3 million because of income, existing liabilities or valuation, the buyer would need to provide the additional AED 200,000 personally.

This makes an early financial assessment essential. Buyers should obtain meaningful bank pre-approval before signing a reservation agreement on the assumption that the maximum financing will be available.

The final project-specific eligibility requirements have not yet been published. Nevertheless, UAE home-finance applications are typically assessed using several factors, including:

For buyers purchasing a property as their primary home, the main advantage is potentially lower cash pressure during construction .

A household may be financially capable of making monthly home-finance payments but unable or unwilling to provide 40%, 50% or more of a property’s price before receiving the keys.

A structure requiring 15% during construction and another 5% to 10% at handover could make a new home more achievable for qualified buyers.

It may also allow end users to enter a development earlier, when the selection of layouts, views, floors and locations is often wider. Buyers may be able to secure a property that suits their long-term requirements without waiting until the project is nearly completed.

However, affordability must be evaluated over the full financing term. The initial contribution is only one part of the cost. Buyers must also consider:

For property investors, the proposal introduces the possibility of greater capital efficiency .

An investor who would otherwise commit a large share of the purchase price during construction may be able to retain more liquidity. That capital could remain available for business requirements, other investments, emergency reserves or the costs associated with completing and leasing the property.

Financing can also increase an investor’s exposure to potential price growth using a smaller initial equity contribution. This is known as leverage. When the property performs well, leverage may improve the return generated on the investor’s original cash contribution.

The same mechanism also increases risk.

If the market value falls, rental income is weaker than expected or financing costs rise, the investor must still meet the bank’s payment obligations. Higher leverage can amplify financial pressure as easily as it can amplify returns.

Investors should calculate returns after accounting for:

No. The official Modon and ADIB announcement says the solution will be available exclusively for future Modon developments .

This is one of the most important details for buyers, investors and property professionals. The initiative should not be marketed as though Abu Dhabi has introduced 75% financing across its entire off-plan property market.

A property from another developer will not automatically qualify. An existing Modon unit will not necessarily qualify either. Buyers must confirm that the specific project and unit are included in the ADIB arrangement.

The agreement is also currently described as a Memorandum of Understanding . Buyers should wait for the full product terms, an eligible-project list and customer documentation before treating the facility as final for a particular purchase.

The Central Bank of the UAE’s published mortgage regulations state a maximum loan-to-value ratio of 50% for property purchased off-plan , regardless of the purchaser category, purpose or property value.

The newly announced Modon–ADIB solution refers to financing of up to 75% during the off-plan and construction stages. The currently available public information does not yet explain in detail how the product is structured in relation to the existing off-plan mortgage framework.

There may be a specific financing, security, staging or developer-supported structure behind the programme, but the public information currently available is insufficient to confirm the exact arrangement.

Buyers should avoid making assumptions and request formal clarification directly from the bank.

The final Key Facts Statement and financing agreement will be more important than promotional headlines. These documents should explain the legal structure, approved financing amount, payment schedule, profit rate, fees, repayment obligations and customer risks.

UAE consumer-protection standards require financial institutions to disclose relevant financing rates, possible fees and whether the applicable rate is fixed, variable or a combination of both.

Before paying a booking amount, buyers should obtain clear answers to the following questions:

If implemented successfully, the programme could expand the buyer pool for selected Modon launches. It may attract more salaried residents, end users and investors who have sufficient income but prefer not to commit a large amount of cash before handover.

It could also encourage greater competition among developers and financial institutions. Other market participants may consider similar partnerships if buyers respond positively and the structure proves commercially successful.

Earlier access to financing could make bank approval a more important part of the off-plan sales process. Buyers may increasingly compare projects not only by price, location, design and payment plan, but also by the availability and quality of financing.

For developers, bank-supported solutions may strengthen buyer confidence and improve accessibility. For banks, the opportunity comes with the need to assess the customer, developer, project and construction risk carefully.

The programme also reflects the wider evolution of Abu Dhabi’s property market, where financing, development quality and long-term community planning are becoming increasingly important to both local and international purchasers.

The Modon and ADIB announcement is a significant development for Abu Dhabi real estate .

Eligible buyers may be able to finance up to 75% of the value of selected future Modon properties during construction and through to handover, while paying 15% during construction and a further 5% to 10% upon handover.

The opportunity could reduce the initial cash burden, support homeownership and give investors greater financial flexibility. But it is not a universal financing policy, and the maximum 75% is not guaranteed.

Any purchase decision should be based on the specific development, complete payment schedule, confirmed bank approval, profit rate, monthly instalment, associated fees and the buyer’s long-term financial position.

At NUVÉ Properties , we help buyers evaluate Abu Dhabi property opportunities beyond the headline. From project selection and payment-plan comparison to investment analysis and purchase guidance, our team can help you determine whether an off-plan property aligns with your objectives.

Contact NUVÉ Properties to explore current and upcoming real estate opportunities across Abu Dhabi and the UAE.

Disclaimer: This article is provided for general informational purposes only and does not constitute financial, mortgage, legal or investment advice. Financing terms, eligibility requirements and project availability are subject to change and approval by the relevant developer, bank and regulatory authorities.