For the first time in Abu Dhabi, homebuyers can secure financing for properties before construction is complete. The partnership between Modon Holding and ADIB creates a structured framework where customers pay 15 percent during construction and 5 to 10 percent upon handover, while the bank finances up to 75 percent of the property’s value for eligible buyers.
“Abu Dhabi continues to strengthen its position as one of the world’s most attractive destinations for investment and long-term growth, creating high demand for new real estate launches,” said Bill O’Regan, Group Chief Executive Officer of Modon Holding. “Modon’s off-plan financing solution with ADIB will give more buyers access to these opportunities, reflecting the market’s ongoing transformation and supporting broader efforts to enhance global competitiveness.”
The financing solution applies exclusively to future Modon developments and provides funding throughout the property development journey, from off-plan purchase through construction to handover. This approach addresses a gap in Abu Dhabi’s market that has traditionally required buyers to arrange financing closer to completion.
Mohamed Abdelbary, Group Chief Executive Officer of Abu Dhabi Islamic Bank, emphasized the innovation: “Through our partnership with Modon, ADIB is introducing a first-of-its-kind offering in Abu Dhabi that transforms the home-buying experience by providing financing throughout the property development journey.”
The initiative aligns with Abu Dhabi’s broader real estate expansion, which has seen significant infrastructure investment and development activity. Abu Dhabi’s Dh55 billion PPP pipeline and Dh200 billion infrastructure portfolio underscore the emirate’s commitment to long-term growth and urban development.
Ibrahim Al Maghribi, CEO of Modon Real Estate, described the partnership as “a significant step forward in redefining off-plan home financing” that “unlocks easier access to Modon’s future developments” and “expands opportunities for eligible buyers.”
The move comes as Abu Dhabi emerges as an off-plan hotspot, with the capital accounting for nearly 70 percent of off-plan transactions in some developer portfolios during 2026, signaling growing investor confidence in the emirate’s property market.
The financing structure mirrors models that have proven successful in Dubai’s mature off-plan market, where developers and banks have collaborated on payment plans that reduce upfront capital requirements for buyers while maintaining project funding security for developers.
By introducing institutional financing at the off-plan stage, the partnership is expected to attract a broader range of buyers, including families and professionals who meet ADIB’s eligibility criteria but may not have had sufficient liquidity to participate in traditional off-plan payment structures.