Modon & ADIB have introduced Abu Dhabi’s First Off-Plan Financing through a partnership, allowing eligible buyers to secure up to 75% financing during the construction phase of a Modon off-plan property.
This marks a structural shift in a market historically dominated by cash transactions, where financing was typically only available after project completion. The new model enables buyers to enter off-plan developments with significantly lower upfront capital, combining a 15% payment during construction and 5–10% at handover, while ADIB (Abu Dhabi Islamic Bank) funds the remaining portion throughout the development lifecycle. The solution is exclusively available for future Modon projects, giving the developer a distinct competitive advantage in upcoming launches.
From a market perspective, this framework expands accessibility, improves capital efficiency for investors, and introduces institutional risk-sharing into early-stage real estate transactions. For Abu Dhabi’s off-plan segment—which already accounts for the majority of residential sales value—this financing structure is expected to increase buyer participation, accelerate absorption rates, and strengthen overall market liquidity.
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Abu Dhabi’s off-plan financing framework is anchored by Modon Holding and Abu Dhabi Islamic Bank, combining real estate supply (projects) with institutional Sharia-compliant financing, enabling buyers to access funding during construction.
Modon Holding is a government-backed master developer delivering large-scale, destination-driven communities across Abu Dhabi, particularly on Hudayriyat Island and Al Reem Island.
Modon’s portfolio is concentrated around Hudayriyat Island, a flagship master-planned destination integrating residential, leisure, and infrastructure assets.
Abu Dhabi Islamic Bank is a leading Islamic bank in the UAE providing Sharia-compliant home financing and structured lending solutions.
ADIB enables the model by:
This partnership creates a closed-loop real estate system:
Unlike generic financing frameworks, this model is project-specific, meaning:
Modon is a government-backed Abu Dhabi master developer with major projects like Nawayef, Bashayer, Al Naseem, and Wadeem on Hudayriyat Island. At the same time, ADIB is a leading Islamic bank providing up to 75% financing during construction. Together, they enable a project-linked off-plan financing model that integrates real estate development with institutional lending, transforming how property is bought in Abu Dhabi.
The Modon–ADIB partnership introduces a structured off-plan financing model in Abu Dhabi that allows eligible buyers to access bank-backed funding during the construction phase—rather than waiting until project completion.
The payment structure is defined as follows:
| Component | Structure |
| During construction | 15% payment |
| Upon handover | 5%–10% payment |
| ADIB financing | Up to 75% of property value |
| Financing period | Construction through to handover |
| Availability | Future Modon developments only |
| Eligibility | Subject to ADIB approval |
Under this model, buyers can secure an off-plan property at launch while Abu Dhabi Islamic Bank (ADIB) finances up to 75% of the asset value throughout the development period. This ensures access to capital from the early stages of construction through to final handover.
Unlike traditional off-plan purchases that require high upfront cash, this model shifts most of the funding burden to the bank. Buyers contribute ~20–25% total, while ADIB finances the majority.
The primary shift is mortgage availability before project completion. This enables earlier market entry, access to leverage, and participation at pre-completion pricing levels.
Financing is limited to Modon-specific off-plan developments, such as Nawayef in areas like Hudayriyat Island, and requires ADIB approval, introducing institutional underwriting into Abu Dhabi’s off-plan segment.
Off-plan financing in Abu Dhabi enables investors to enter the market with lower upfront capital while leveraging bank funding during construction, improving capital efficiency and return potential.
Investors can secure properties with ~15% during construction and 5–10% at handover, instead of funding the majority upfront. This opens access to a wider investor base.
Up to 75% financing allows investors to control higher-value assets with less equity, enabling portfolio expansion and better capital allocation.
Buyers enter at pre-completion pricing, capturing stronger appreciation potential as projects progress toward handover.
Modon projects are positioned to see higher demand due to exclusive access to ADIB-backed off-plan financing, improving accessibility and accelerating sales.
This financing model is limited to Modon developments, giving them a competitive edge in attracting both investors and end-users.
Large-scale Modon communities will benefit from a broader buyer pool, including financed buyers entering earlier in the cycle.
Lower entry costs and financing access will accelerate unit sales, improve developer cash flow, and increase overall market liquidity.
The Modon–ADIB partnership was formalized during an official signing ceremony attended by senior leadership, including Bill O’Regan, Ibrahim Al Maghribi, and Mohamed Abdelbary, highlighting strong institutional alignment behind the initiative.
Bill O’Regan emphasized that Abu Dhabi’s growing global investment appeal is driving demand for new real estate launches, and that this financing model enhances buyer access while supporting long-term sector growth and investor confidence.
Mohamed Abdelbary highlighted that the solution transforms the home-buying process by enabling financing throughout the development lifecycle, allowing eligible buyers to access up to 75% funding during construction and improving homeownership accessibility.
Ibrahim Al Maghribi positioned the initiative as a major shift in off-plan financing, stating that integrating financing into development expands access to Modon’s projects and strengthens overall market accessibility.
Abu Dhabi’s off-plan financing model differs from traditional mortgages by enabling bank funding during construction rather than after project completion, reducing upfront capital requirements and accelerating market entry.
The new structure improves liquidity by allowing buyers to leverage bank financing earlier instead of locking large capital during construction.
Unlike traditional off-plan purchases, risk is partially distributed through institutional financing, with ADIB underwriting buyer eligibility.
The introduction of construction-linked financing represents a structural upgrade in Abu Dhabi’s property market, aligning it with mature global real estate financing ecosystems.
Bank-backed off-plan financing increases transaction volume by reducing entry barriers for investors and end-users.
The model mirrors international markets where construction financing is standard, improving Abu Dhabi’s competitiveness.
Institutional underwriting introduces more disciplined lending practices, reducing speculative volatility.
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The availability of financing during construction is expected to influence both pricing behavior and demand patterns across off-plan developments.
Lower entry barriers typically increase buyer participation, which can lead to stronger absorption rates in new launches.
With bank involvement, pricing may become more aligned with valuation frameworks rather than purely speculative demand.
Exclusive financing access for Modon projects may strengthen pricing control and sales velocity.
The financing model is designed to attract a broader buyer base by reducing upfront investment constraints.
Lower capital requirements make property ownership more accessible to new entrants.
Investors benefit from leveraged entry into off-plan developments with reduced liquidity exposure.
Access is limited to buyers meeting ADIB’s credit criteria, ensuring financial qualification.
Modon gains a significant competitive advantage by offering exclusive access to this financing model across its future developments.
Being the first developer to integrate bank-backed construction financing positions Modon as a market innovator.
The partnership with ADIB reflects a deeper integration between real estate development and financial institutions.
Projects offering financing during construction are likely to attract higher demand and faster sales cycles.
This model could influence broader adoption of construction-phase financing across the UAE real estate sector.
If successful, similar financing structures may be adopted by other developers and banks.
Buyers may begin to expect financing availability at earlier stages of development.
The model supports long-term sector growth by improving accessibility and aligning with structured financial systems.
Abu Dhabi’s new off-plan financing model introduces bank-backed funding during construction, reducing upfront costs, increasing accessibility, and driving a structural shift in the real estate market.
The model enhances liquidity, expands buyer access, and introduces institutional financing into early-stage property transactions.
This initiative positions Abu Dhabi as a more mature and globally aligned real estate market with improved financing infrastructure.
Modon & ADIB off-plan financing is a bank-backed solution that allows eligible buyers to secure up to 75% financing during the construction phase of a property, instead of waiting until project completion.
Buyers can access up to 75% of the property value through Abu Dhabi Islamic Bank (ADIB), covering the period from construction to handover.
The structure includes approximately 15% payment during construction, 5–10% at handover, and the remaining 75% financed by ADIB.
No, the financing is exclusively available for selected future developments by Modon, such as projects within Hudayriyat Island.
Eligibility depends on ADIB’s credit approval process, which includes income verification, financial assessment, and compliance with Islamic financing principles.
Unlike traditional mortgages that are issued after project completion, this model provides financing during construction, reducing upfront capital requirements and enabling earlier property ownership.
Investors benefit from lower upfront costs (around 20–25%), access to leverage, improved capital efficiency, and the ability to enter projects at pre-completion pricing.
The financing applies to future Modon developments, including projects like Nawayef, Bashayer, Al Naseem, and Wadeem, primarily located on Hudayriyat Island.
Yes, the involvement of ADIB introduces institutional underwriting, which reduces speculative risk and ensures structured financing aligned with banking standards.
This model increases market liquidity, expands buyer accessibility, accelerates off-plan sales, and introduces institutional financing into early-stage property transactions.
Yes, eligible first-time buyers can benefit from lower upfront payments and structured financing, making property ownership more accessible.
While currently limited to Modon projects, this model may expand across the UAE if successful, potentially setting a new standard for off-plan financing.
WRITTEN BY
Adil Raza Khan is a Dubai luxury real estate expert with over 13 years of experience in the UAE property market. He is the Chairman of APIL Properties.
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Modon & ADIB have introduced Abu Dhabi’s First Off-Plan Financing through a partnership, allowing eligible buyers to secure up to 75% financing during the construction phase of a Modon off-plan property.
This marks a structural shift in a market historically dominated by cash transactions, where financing was typically only available after project completion. The new model enables buyers to enter off-plan developments with significantly lower upfront capital, combining a 15% payment during construction and 5–10% at handover, while ADIB (Abu Dhabi Islamic Bank) funds the remaining portion throughout the development lifecycle. The solution is exclusively available for future Modon projects, giving the developer a distinct competitive advantage in upcoming launches.
From a market perspective, this framework expands accessibility, improves capital efficiency for investors, and introduces institutional risk-sharing into early-stage real estate transactions. For Abu Dhabi’s off-plan segment—which already accounts for the majority of residential sales value—this financing structure is expected to increase buyer participation, accelerate absorption rates, and strengthen overall market liquidity.
