{"id":39274,"date":"2026-09-10T21:44:18","date_gmt":"2026-09-10T17:44:18","guid":{"rendered":"https:\/\/truhauz.com\/?p=39274"},"modified":"2026-09-10T21:52:25","modified_gmt":"2026-09-10T17:52:25","slug":"abu-dhabi-off-plan-financing-modon-adib","status":"publish","type":"post","link":"https:\/\/truhauz.com\/tr\/abu-dhabi-off-plan-financing-modon-adib\/","title":{"rendered":"Abu Dhabi Off-Plan Finance: Inside Modon and ADIB&#8217;s 75% Home Financing"},"content":{"rendered":"\n<!-- ============================================================\n  TRUHAUZ.COM \u2014 ABU DHABI FINANCE\n  Title:    Abu Dhabi Off-Plan Finance: Modon and ADIB's 75% Solution\n  Slug:     abu-dhabi-off-plan-financing-modon-adib\n  ============================================================ -->\n\n<style>\n@import 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a{color:rgba(255,255,255,.9)!important;text-decoration:underline!important}\n.cm-form-wrap{background:rgba(255,255,255,.05);border:1px solid rgba(255,255,255,.12);border-radius:14px;overflow:hidden}\n.cm-footer-strip{background:#660033;color:rgba(255,255,255,.8)!important;text-align:center;padding:14px 20px;font-size:.75rem;line-height:1.6}\n.cm-footer-strip a{color:rgba(255,255,255,.8)!important}\n\n\/* RESPONSIVE *\/\n@media(max-width:960px){\n  .cm-area-grid{grid-template-columns:1fr 1fr}\n  .cm-2col{grid-template-columns:1fr;gap:36px}\n  .cm-forecast{grid-template-columns:1fr 1fr}\n  .cm-contact-inner{grid-template-columns:1fr;gap:36px}\n  .cm-cta-in{flex-direction:column;text-align:center}\n  .cm-strip-in{grid-template-columns:repeat(2,1fr)}\n}\n@media(max-width:640px){\n  .cmc{padding:0 16px}\n  .cms{padding:44px 0}\n  .cm-hero{min-height:auto}\n  .cm-hero-content{padding:48px 16px 56px}\n  .cm-hero h1{font-size:clamp(1.8rem,7.5vw,2.6rem)}\n  .cm-area-grid{grid-template-columns:1fr}\n  .cm-forecast{grid-template-columns:1fr}\n  .cm-strip-in{grid-template-columns:repeat(2,1fr)}\n  .cm-si{padding:15px 8px}\n  .cm-title{font-size:clamp(1.4rem,6vw,1.9rem)}\n  .cm-contact{padding:48px 0}\n}\n@media(max-width:480px){.cmc{padding:0 14px}}\n.cm-fig{max-width:860px;margin:0 auto;padding:0 20px}.cm-fig img{width:100%;height:auto;display:block;border-radius:14px}.cm-fig figcaption{font-family:'Inter',sans-serif;font-size:.82rem;color:#666;margin-top:10px;text-align:center}\n<\/style>\n\n<div class=\"cm\">\n\n<!-- \u2550\u2550\u2550 HERO \u2550\u2550\u2550 -->\n<section class=\"cm-hero\">\n  <div class=\"cm-hero-bg\"><\/div>\n  <div class=\"cm-hero-pat\"><\/div>\n  <div class=\"cm-hero-ov\"><\/div>\n  <div class=\"cm-hero-content\">\n    <span class=\"cm-eyebrow\">Abu Dhabi &middot; Finance &middot; September 2026<\/span>\n    <h1>Abu Dhabi Off-Plan Finance<br><span>Modon and ADIB&rsquo;s 75% Solution, Explained<\/span><\/h1>\n    <p class=\"cm-hero-sub\">UAE banks can normally lend only 50% on an off-plan home, which is why off-plan has been a cash market. Modon and ADIB have announced a structure that finances up to 75%. Here is what it changes &mdash; and what it does not.<\/p>\n    <div class=\"cm-hero-meta\">\n      <span class=\"cm-hm\">\ud83c\udfe6 <strong>Up to 75% Financed<\/strong><\/span>\n      <span class=\"cm-hm\">\ud83c\udfd7\ufe0f <strong>15% During Construction<\/strong><\/span>\n      <span class=\"cm-hm\">\ud83d\udd11 <strong>5&ndash;10% at Handover<\/strong><\/span>\n    <\/div>\n  <\/div>\n<\/section>\n\n<!-- \u2550\u2550\u2550 STAT STRIP \u2550\u2550\u2550 -->\n<div class=\"cm-strip\">\n  <div class=\"cm-strip-in\">\n    <div class=\"cm-si\"><span class=\"cm-sv\">75%<\/span><span class=\"cm-sl\">Maximum financed, subject to eligibility<\/span><\/div>\n    <div class=\"cm-si\"><span class=\"cm-sv\">15%<\/span><span class=\"cm-sl\">Buyer pays across construction<\/span><\/div>\n    <div class=\"cm-si\"><span class=\"cm-sv\">5&ndash;10%<\/span><span class=\"cm-sl\">Buyer pays at handover<\/span><\/div>\n    <div class=\"cm-si\"><span class=\"cm-sv\">50%<\/span><span class=\"cm-sl\">Standard off-plan lending cap<\/span><\/div>\n  <\/div>\n<\/div>\n\n<!-- \u2550\u2550\u2550 PHOTO \u2550\u2550\u2550 -->\n<figure class=\"cm-fig\">\n  <img fetchpriority=\"high\" decoding=\"async\" class=\"skip-lazy\" data-skip-lazy=\"1\" src=\"https:\/\/truhauz.com\/wp-content\/uploads\/2026\/09\/modon-adib-off-plan-home-financing-abu-dhabi.jpg\" alt=\"Modon and ADIB executives at the signing of Abu Dhabi&rsquo;s first off-plan home financing agreement\" width=\"1200\" height=\"800\">\n  <figcaption>Modon and ADIB executives at the signing, announced 9 July 2026. Image: Modon.<\/figcaption>\n<\/figure>\n\n<!-- \u2550\u2550\u2550 WHAT WAS ANNOUNCED \u2550\u2550\u2550 -->\n<section class=\"cms\">\n  <div class=\"cmc\">\n    <div class=\"cm-2col\">\n      <div class=\"cm-body\">\n        <span class=\"cmt\">The Announcement<\/span>\n        <h2 class=\"cm-title\">A Bank in the Deal Before the Building Exists<\/h2>\n        <p>On 9 July 2026 Modon announced a memorandum of understanding with Abu Dhabi Islamic Bank, signed two days earlier, for what both describe as Abu Dhabi&rsquo;s first off-plan home financing solution. ADIB will finance up to 75% of a property&rsquo;s value during construction, subject to eligibility, while the buyer pays 15% across the construction phase and a further 5% to 10% at handover.<\/p>\n        <p>That matters because of what it replaces. The UAE Central Bank&rsquo;s mortgage regulations cap lending on off-plan purchases at 50% of value &mdash; for every buyer, at every price &mdash; because the bank is lending against a building that does not yet exist. Off-plan buyers have therefore had to fund the construction period out of savings, and developers have competed on payment plans instead of financing.<\/p>\n        <p>One caution before the numbers. A payment plan defers cost; financing converts it into debt. A buyer who could not previously afford the milestones now can, but arrives at handover owing up to 75% of the value with a profit rate attached. That is a different risk position from a self-funded purchase.<\/p>\n      <\/div>\n      <div>\n        <div class=\"cm-hbox\">\n          <h4>The published structure<\/h4>\n          <div class=\"cm-ov\">\n            <div class=\"cm-ov-head\">Where the money comes from<\/div>\n            <div class=\"cm-ov-row\"><span class=\"cm-ov-l\">Buyer, during construction<\/span><span class=\"cm-ov-r burg\">15%<\/span><\/div>\n            <div class=\"cm-ov-row\"><span class=\"cm-ov-l\">Buyer, at handover<\/span><span class=\"cm-ov-r burg\">5&ndash;10%<\/span><\/div>\n            <div class=\"cm-ov-row\"><span class=\"cm-ov-l\">ADIB financing, up to<\/span><span class=\"cm-ov-r up\">75%<\/span><\/div>\n            <div class=\"cm-ov-row\"><span class=\"cm-ov-l\">Applies to<\/span><span class=\"cm-ov-r\">Future Modon projects<\/span><\/div>\n            <div class=\"cm-ov-row\"><span class=\"cm-ov-l\">Status<\/span><span class=\"cm-ov-r\">MoU, 7 July 2026<\/span><\/div>\n          <\/div>\n          <p style=\"font-size:.82rem;color:#666;margin-top:14px;\">At the top of the range the figures sum to 100% (15 + 10 + 75). Approved for less than 75%? The shortfall comes from your own funds.<\/p>\n        <\/div>\n      <\/div>\n    <\/div>\n  <\/div>\n<\/section>\n\n<!-- \u2550\u2550\u2550 NUMBERS \u2550\u2550\u2550 -->\n<section class=\"cms cmg\">\n  <div class=\"cmc\">\n    <div class=\"cm-body\">\n      <span class=\"cmt\">The Numbers<\/span>\n      <h2 class=\"cm-title\">What 75% Looks Like on a Real Purchase<\/h2>\n      <p>Assuming the full 75% is approved and the buyer pays 10% at handover. Illustrations of the announced structure, not quotes &mdash; ADIB has not published rates, fees or tenors.<\/p>\n    <\/div>\n    <div class=\"cm-table-wrap\">\n      <table class=\"cm-table\">\n        <thead><tr><th>Property value<\/th><th>Across construction (15%)<\/th><th>At handover (10%)<\/th><th>Financed (75%)<\/th><\/tr><\/thead>\n        <tbody>\n          <tr><td>AED 2,000,000<\/td><td>AED 300,000<\/td><td>AED 200,000<\/td><td><span class=\"cm-badge top\">AED 1,500,000<\/span><\/td><\/tr>\n          <tr><td>AED 3,500,000<\/td><td>AED 525,000<\/td><td>AED 350,000<\/td><td><span class=\"cm-badge top\">AED 2,625,000<\/span><\/td><\/tr>\n          <tr><td>AED 6,000,000<\/td><td>AED 900,000<\/td><td>AED 600,000<\/td><td><span class=\"cm-badge top\">AED 4,500,000<\/span><\/td><\/tr>\n        <\/tbody>\n      <\/table>\n    <\/div>\n    <div class=\"cm-body\" style=\"margin-top:26px;\">\n      <p>Compare that to the standard 50% cap. On the AED 3.5M home you would need AED 1,750,000 of your own money; under the announced structure you need AED 875,000, and only AED 525,000 of it before handover. That is the whole point of the product.<\/p>\n      <p>What the table cannot show is the cost of the finance. ADIB is an Islamic bank, so this will be a Sharia-compliant facility with a profit rate rather than interest &mdash; and the rate, tenor and fees were not published with the announcement. Treat the monthly obligation at handover as an open variable. Our <a href=\"https:\/\/truhauz.com\/mortgage-guide\/\">UAE mortgage guide<\/a> covers the lending side in more detail.<\/p>\n    <\/div>\n  <\/div>\n<\/section>\n\n<!-- \u2550\u2550\u2550 CAVEATS (DARK) \u2550\u2550\u2550 -->\n<section class=\"cms cmdk\">\n  <div class=\"cmc cmct\">\n    <span style=\"display:inline-block;background:rgba(255,255,255,.15);color:#fff!important;font-size:.68rem;font-weight:700;letter-spacing:.14em;text-transform:uppercase;padding:5px 15px;border-radius:100px;margin-bottom:16px;\">Read The Small Print<\/span>\n    <h2 class=\"cm-title white\">Four Things the Announcement Does Not Say<\/h2>\n    <p class=\"cm-sub white\" style=\"margin:0 auto 48px;\">Not reasons to dismiss it &mdash; questions to put to the bank before you plan a purchase around it.<\/p>\n  <\/div>\n  <div class=\"cmc\">\n    <div class=\"cm-forecast\">\n      <div class=\"cm-fc\">\n        <span class=\"cm-fc-val\">Status<\/span>\n        <h4>It is a memorandum of understanding<\/h4>\n        <p>An MoU records an intention to work together. It is not a product with published terms and an approval process. Ask ADIB whether the facility is actually open for applications.<\/p>\n      <\/div>\n      <div class=\"cm-fc\">\n        <span class=\"cm-fc-val\">Scope<\/span>\n        <h4>&ldquo;Future Modon developments&rdquo; only<\/h4>\n        <p>Not an emirate-wide change, not other developers, and worded around future launches rather than existing inventory. Confirm eligibility project by project.<\/p>\n      <\/div>\n      <div class=\"cm-fc\">\n        <span class=\"cm-fc-val\">Eligibility<\/span>\n        <h4>75% is a ceiling, not an entitlement<\/h4>\n        <p>Every mention is qualified by &ldquo;up to&rdquo; and &ldquo;subject to eligibility&rdquo;. Income, existing debt, employment and residency all shape the offer you actually get.<\/p>\n      <\/div>\n      <div class=\"cm-fc\">\n        <span class=\"cm-fc-val\">Mechanics<\/span>\n        <h4>When the money is drawn is unstated<\/h4>\n        <p>No drawdown schedule, nothing on what happens if construction is delayed, nothing on how the facility converts at handover. Get those in writing.<\/p>\n      <\/div>\n    <\/div>\n  <\/div>\n<\/section>\n\n<!-- \u2550\u2550\u2550 FAQ \u2550\u2550\u2550 -->\n<section class=\"cms cmg\">\n  <div class=\"cmc cmct\">\n    <span class=\"cmt\">FAQ<\/span>\n    <h2 class=\"cm-title\">Frequently Asked Questions<\/h2>\n    <div class=\"cm-faq-list\">\n      <div class=\"cm-faq-item\">\n        <div class=\"cm-faq-q\" onclick=\"cmFaq(this)\">Can you get a mortgage on off-plan property in Abu Dhabi?<span class=\"cm-faq-icon\">+<\/span><\/div>\n        <div class=\"cm-faq-a\">Only to a limited degree until now. The UAE Central Bank caps the loan-to-value ratio on off-plan purchases at 50%, regardless of the buyer or the price, because the lender is advancing money against a building that does not yet exist. That is why off-plan in the UAE has largely been funded from savings and developer payment plans. The Modon and ADIB announcement of July 2026 sets out a structure that goes beyond that norm, for one developer&rsquo;s future projects.<\/div>\n      <\/div>\n      <div class=\"cm-faq-item\">\n        <div class=\"cm-faq-q\" onclick=\"cmFaq(this)\">How much cash do I need under the 75% structure?<span class=\"cm-faq-icon\">+<\/span><\/div>\n        <div class=\"cm-faq-a\">On the published figures, and assuming the full 75% is approved, the buyer pays 15% across construction and a further 5% to 10% at handover &mdash; 20% to 25% in total, of which only the 15% is needed before completion. On an AED 3.5 million home that is AED 525,000 during construction and AED 175,000 to AED 350,000 at handover. A lower approval increases your share, and none of these figures include transfer fees, registration costs or the cost of the finance itself.<\/div>\n      <\/div>\n      <div class=\"cm-faq-item\">\n        <div class=\"cm-faq-q\" onclick=\"cmFaq(this)\">Does this apply to every Abu Dhabi off-plan project?<span class=\"cm-faq-icon\">+<\/span><\/div>\n        <div class=\"cm-faq-a\">No. Modon&rsquo;s release states the solution is available exclusively for future Modon developments. It is not a change to emirate-wide lending rules and it does not extend to other Abu Dhabi developers. If an agent offers 75% financing on a non-Modon project, ask which bank is behind it and on what terms, because it is not this arrangement.<\/div>\n      <\/div>\n      <div class=\"cm-faq-item\">\n        <div class=\"cm-faq-q\" onclick=\"cmFaq(this)\">Should I plan a purchase around the 75% figure?<span class=\"cm-faq-icon\">+<\/span><\/div>\n        <div class=\"cm-faq-a\">Not until you hold an approval in writing. The announcement is a memorandum of understanding rather than a product with published terms, and standard UAE underwriting still applies &mdash; including the cap on your total monthly obligations as a share of income. Treat 75% as the best case, model the purchase on a lower approval, and confirm the rate, tenor and drawdown schedule before you commit to a reservation.<\/div>\n      <\/div>\n    <\/div>\n  <\/div>\n<\/section>\n\n<!-- \u2550\u2550\u2550 CONTACT \u2550\u2550\u2550 -->\n<section class=\"cm-contact\" id=\"cm-contact\">\n  <div class=\"cmc\">\n    <div class=\"cm-contact-inner\">\n      <div>\n        <span style=\"display:inline-block;background:rgba(255,255,255,.15);color:#fff!important;font-size:.68rem;font-weight:700;letter-spacing:.14em;text-transform:uppercase;padding:5px 15px;border-radius:100px;margin-bottom:18px;\">Talk to TruHauz<\/span>\n        <h2 style=\"font-family:'Playfair Display',serif;font-size:clamp(1.5rem,4vw,2.1rem);color:#fff!important;margin-bottom:10px;line-height:1.2;\">Financing Changes What You Can Buy<\/h2>\n        <p style=\"color:rgba(255,255,255,.72)!important;font-size:.93rem;line-height:1.75;margin-bottom:24px;\">Tell us your budget and the emirate you are considering, and we will work through what is reachable with finance and what is not &mdash; in Abu Dhabi and in Dubai.<\/p>\n        <div class=\"cm-ci\"><span>\ud83d\udcde<\/span><span class=\"cm-ci-text\"><strong style=\"color:#fff!important;display:block;margin-bottom:2px;\">Phone \/ WhatsApp<\/strong><a href=\"tel:+971529715488\">+971 52 971 5488<\/a><\/span><\/div>\n        <div class=\"cm-ci\"><span>\ud83d\udce7<\/span><span class=\"cm-ci-text\"><strong style=\"color:#fff!important;display:block;margin-bottom:2px;\">Email<\/strong><a href=\"mailto:info@truhauz.com\">info@truhauz.com<\/a><\/span><\/div>\n        <div class=\"cm-ci\"><span>\ud83c\udfe2<\/span><span class=\"cm-ci-text\"><strong style=\"color:#fff!important;display:block;margin-bottom:2px;\">RERA Licensed<\/strong><span>60838 \u2014 Dubai, UAE<\/span><\/span><\/div>\n        <div style=\"margin-top:24px;\"><a href=\"https:\/\/truhauz.com\/contact\/\" class=\"cmbg\">Get in Touch \u2192<\/a><\/div>\n      <\/div>\n      <div class=\"cm-form-wrap\">\n        <iframe aria-label=\"Contact Us\" class=\"skip-lazy\" data-skip-lazy=\"1\" frameborder=\"0\" style=\"height:520px;width:100%;border:none;display:block;\" src=\"https:\/\/forms.zohopublic.com\/elchintru1\/form\/ContactUs\/formperma\/_DensyNXfgDItjE-TsZ92uQERcSIhTnizr-QPf3wrBk\"><\/iframe>\n      <\/div>\n    <\/div>\n  <\/div>\n<\/section>\n\n<div class=\"cm-footer-strip\">\n  \u00a9 2026 TruHauz Real Estate \u00b7 RERA Reg. 60838 \u00b7 Dubai, UAE<br>\n  <a href=\"https:\/\/truhauz.com\/buy\/\">Buy<\/a> \u00b7 <a href=\"https:\/\/truhauz.com\/status\/off-plan\/\">Off Plan<\/a> \u00b7 <a href=\"https:\/\/truhauz.com\/golden-visa\/\">Golden Visa<\/a> \u00b7 <a href=\"https:\/\/truhauz.com\/mortgage-guide\/\">Mortgage Guide<\/a>\n<\/div>\n\n<\/div><!-- end .cm -->\n\n<script>\nfunction cmFaq(el){var item=el.parentElement;var wasOpen=item.classList.contains('cm-open');document.querySelectorAll('.cm-faq-item.cm-open').forEach(function(i){i.classList.remove('cm-open');});if(!wasOpen)item.classList.add('cm-open');}\n(function(){function init(){var w=document.querySelector('.cm');if(!w)return;var e=w.parentElement;while(e&&e!==document.documentElement){e.style.setProperty('padding-left','0px','important');e.style.setProperty('padding-right','0px','important');e.style.setProperty('padding-top','0px','important');e.style.setProperty('overflow','visible','important');e.style.setProperty('max-width','none','important');e=e.parentElement;}['.post-header-wrap','.post-thumbnail-wrap'].forEach(function(s){var el=document.querySelector(s);if(el)el.style.setProperty('display','none','important');});document.body.style.setProperty('overflow-x','hidden','important');}document.readyState==='loading'?document.addEventListener('DOMContentLoaded',init):init();})();\n<\/script>\n\n\n<script type=\"application\/ld+json\">{\n \"@context\": \"https:\/\/schema.org\",\n \"@type\": \"FAQPage\",\n \"@id\": \"https:\/\/truhauz.com\/abu-dhabi-off-plan-financing-modon-adib\/#faq\",\n \"url\": \"https:\/\/truhauz.com\/abu-dhabi-off-plan-financing-modon-adib\/\",\n \"mainEntity\": [\n  {\n   \"@type\": \"Question\",\n   \"name\": \"Can you get a mortgage on off-plan property in Abu Dhabi?\",\n   \"acceptedAnswer\": {\n    \"@type\": \"Answer\",\n    \"text\": \"Only to a limited degree until now. 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Modon and ADIB have announced a structure that finances up to 75% on future Abu Dhabi projects \u2014 how the split works, and what the announcement does not say.<\/p>","protected":false},"author":12,"featured_media":39276,"comment_status":"open","ping_status":"0","sticky":false,"template":"","format":"standard","meta":{"_joinchat":[],"footnotes":""},"categories":[5],"tags":[],"class_list":["post-39274","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-dubai-real-estate-news"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v28.4 (Yoast SEO v28.4) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Abu Dhabi Off-Plan Finance: Modon &amp; ADIB 75% | TruHauz<\/title>\n<meta name=\"description\" content=\"The UAE caps off-plan mortgages at 50% of value. Modon and ADIB have announced up to 75% financing on future Abu Dhabi projects. 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