Abu Dhabi off-plan homes - Buyers can now get up to 75% financing during construction

Property investment | 28.07.2026 | Leanne Ruscoe

Abu Dhabi's real estate market remains a resilient choice for both local residents and overseas investors. Usually, buying a house before it is built means you need to have a huge amount of cash saved up upfront. However this exclusive new financing framework for future Modon developments completely transforms the game for buyers.

Source: www.modon.com

In a major development for the capital's property sector, a new initiative is fundamentally changing how purchasers approach Abu Dhabi off-plan properties. Modon has teamed up with Abu Dhabi Islamic Bank (ADIB) to make buying a home much easier. If you qualify, you can get a property loan that covers up to 75% of the home's value while it's still under construction.

The first-of-its-kind framework effectively lowers a significant financial barrier, making it a perfect time to explore Abu Dhabi's new properties.

How does the 75% financing scheme work?

Usually, if you want to buy a property in the UAE that isn't built yet (off-plan), getting a mortgage is a massive headache. You either have to wait until the property is entirely finished to get a loan, or fork over huge sums of your own cash every few months while it's being constructed. This new deal changes that completely. It lets you spread out the costs using bank money while the property is still under construction.

Here is exactly how it happens:

Your part during the build: You only need to pay 15% of the property's price out of your own pocket while it's being built.

Your part when it's finished: You pay another 5% to 10% when they hand over the keys

The bank's part: Abu Dhabi Islamic Bank (ADIB) covers the remaining 75% of the cost right from the start, funding the build as it happens.

Why this matters for investors and end-users

For regular buyers, this initiative brings homeownership within much closer reach. Instead of balancing monthly rent while trying to save massive sums for construction milestones, this customised Abu Dhabi property mortgage option allows you to manage your personal cash flow with far more efficiency.

​For property investors, the scheme is a major win for liquidity. By using a highly competitive UAE off-plan, finance structure, potential investors can spread their capital across multiple projects or maintain a healthy cash buffer while their assets build steady equity in a growing market.

​While this particular product is currently exclusive to future Modon developments, it sets an excellent new benchmark for the entire UAE property mortgage sector. It proves that as the emirate grows, its financial solutions are growing to support buyers. If you have been setting eyes on the capital's skyline, entering the market early just became significantly easier.

Getting on hands with the new rules is way easier with the right experts by our side. At Benham and Reeves, we help you identify the best investment options within Modon's upcoming portfolio. From sourcing the right property to securing competitive Abu Dhabi property loan, our team takes care of all the details, managing everything smoothly from your very first consultation right through to handover.