Palm Central A mortgage at fifty per cent paid: Dubai Holding and ADCB's off-plan financing covers Palm Jebel Ali
Off-plan property in Dubai is usually paid in instalments to the developer, with a bank mortgage available only near handover. On 15 September 2026, Dubai Holding Real Estate and ADCB announced an arrangement that moves the bank forward.
The terms
A buyer who has paid 50 per cent of the price can take an ADCB mortgage for the rest, regardless of how far construction has reached. The rate starts at 3.49 per cent fixed for three years. Pre-approval is valid for 18 months, and the bank's processing and valuation fees are waived.
Which projects
It is exclusive to three Dubai Holding communities: Palm Jebel Ali, The Acres and Nad Al Sheba Gardens.
What it changes on the Palm
A Palm Jebel Ali villa on a developer plan is paid over several years; the half-way point arrives long before the house does. This lets the buyer stop paying the developer out of cash at that point and start paying the bank, which spreads the second half over a mortgage term rather than the construction schedule.
The useful reading is about who the arrangement is for. A developer that arranges bank finance at the fifty per cent mark is making it easier for buyers to hold a villa they could not otherwise finish paying for, which is good news for a buyer on a stretched plan and a sign the developer wants fewer resales before handover. The three-year fix at 3.49 per cent is below where most UAE mortgages have been this year; the rate after the fix is the number to ask for, because on a Palm Jebel Ali villa the loan will outlive it by two decades.
Source: Nakheel checked against the source
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