Housing Construction Loan

It allows a UAE national to borrow a specific amount of AED 1,750,000 (One million seven hundred fifty thousand dirhams) to build a housing on a residential plot of land that he/she owns or that has been granted to him/her. The loan is repaid in monthly installments in accordance with the controls determined by Abu Dhabi Housing Authority.

1. The applicant shall be UAE national.
2. The applicant shall be of sound mind.
3. The applicant shall be a permanent resident of the UAE.
4. Neither the applicant nor his spouse has benefitted from any housing loans or housing grants from any government entity, whether federal or local, except for housing loans received by the wife before marriage.
5. The applicant shall own residential plot of land in the emirate, registered in his name, free from any legal impediments to construction or disposal, and equipped with all necessary infrastructure at the time of approval on the loan.
6. He/She shall be a sole applicant, unless the residential plot of land is jointly owned.
7. The UAE national with limited income shall undertake to repay the remaining installments when he/she becomes solvent.
8. The applicant shall undertake, upon request, to provide evidence proving that he/she can provide the additional funds required to complete the construction works, whose value exceeds the amount of the loan granted by Abu Dhabi Housing Authority. Neither the consultant is assigned nor the project is awarded before these guarantees are provided.
9. The applicant shall undertake to mortgage the entire plot of land owned by him/her or granted to him/her as a first-degree mortgage in favor of Abu Dhabi Housing Authority until the loan is repaid. The mortgage shall be officially registered in accordance with the applicable legal provisions in this regard before the loan is activated. As well as all disposals shall be recorded in the real estate register kept by the competent authority in the emirate.
10. Abu Dhabi Housing Authority may request the applicant or the beneficiary to provide a financially solvent guarantor, in coordination with the entity designated to manage the housing loan.

• He shall have completed twenty-five (25) years of age.

• She shall be the custodian or provider of one or more children.
• A widow, whose dead husband is non-UAE national, shall have resided continuously in the United Arab Emirates for a period of no less than (5) consecutive years prior to the date on which the application is submitted.

• She shall be at least thirty (30) years of age.
• She shall not have a breadwinner, or her breadwinner is unable to provide a housing for permanent reasons, or it is impossible to legally obligate her breadwinner to provide a housing, or she is the provider of housing to her relatives up to the second degree.

• She shall be at least thirty (30) years of age.
• She has been irrevocably divorced with major separation or has been divorced for three years.
• She shall be the custodian or provider of one or more children. Elderly divorcées or divorcées who are unable to bear children are exempted from this requirement, by virtue of a medical report issued by the competent authority.
• A woman divorced from a non-UAE national shall have resided continuously in the United Arab Emirates for a period of no less than (5) consecutive years prior to the date on which the application is submitted.

• She shall be at least thirty (30) years of age.
• She shall have one or more children living with her. Elderly women or women who are unable to bear children are exempted from this requirement, by virtue of a medical report issued by the competent authority.
• She shall prove that she has resided continuously with her husband and children in the United Arab Emirates for a period of no less than (7) consecutive years prior to the date on which the application is submitted.
• The father of the children' shall be unable to provide a suitable housing.
• The non-UAE husband shall declare and undertake not to claim or apply for any housing loan if he obtains the UAE citizenship in future.

Controls for Beneficiaries of Housing Construction Loan:

Abu Dhabi Housing Authority may cancel the approval on the loan issued to the beneficiary in the event that the loan is not activated in the case listed below, unless the non-activation is due to an emergency beyond the beneficiary's control and in the event that the approval on the loan is canceled for the reasons mentioned in this clause. The beneficiary is not entitled to submit a new application for any loan before passing two years from the date of cancellation of the approval on the loan in the event that construction works are not commenced within three (3) years from the date of approval on the housing construction loan.