Abu Dhabi’s Off-Plan Financing Revolution

In a landmark development, leading developer Modon has partnered with Abu Dhabi Islamic Bank (ADIB) to introduce Abu Dhabi's first off-plan home financing solution, enabling eligible buyers to secure off-plan properties with a structured payment plan that includes a 15% payment during construction.

Available exclusively for future Modon developments, the new financing framework marks a significant shift in how buyers can enter the emirate's off-plan market. By providing financing throughout the development journey, the initiative offers greater flexibility while reinforcing the capital's position as one of the region's most attractive investment destinations.

Traditionally, purchasing an off-plan property has required buyers to fund a substantial portion of payments before obtaining a mortgage upon completion. The new solution changes this model entirely.

Eligible buyers can now secure an off-plan property with a structured payment plan that includes a 15% payment during construction and a further 5–10% upon handover, while ADIB finances up to 75% of the property's value throughout the development period, subject to eligibility.

The result is a more seamless purchasing journey, reducing upfront capital requirements, and opening the door to a wider pool of investors and homeowners looking to secure premium real estate earlier in the development cycle.

As demand for luxury residences continues to rise, innovative financing solutions are becoming an increasingly important driver of market growth across the emirate.

By making financing available during construction, the partnership between Modon and ADIB provides greater certainty for purchasers while encouraging continued investment in the emirate's evolving real estate landscape.

Bill O'Regan, Group Chief Executive Officer of Modon Holding, noted that the initiative supports Abu Dhabi's ambitions as a leading global investment destination by creating greater access to new real estate launches while reinforcing long-term investor confidence.

Similarly, Mohamed Abdelbary, Group Chief Executive Officer of ADIB, highlighted that the new financing model transforms the home-buying experience by enabling eligible customers to finance their property throughout the development journey, making homeownership more accessible than ever before.

For buyers seeking high-end residences in Abu Dhabi, this first-of-its-kind financing solution represents more than a new mortgage product. It signals the continued maturity of one of the Middle East's most dynamic luxury property markets.

As Abu Dhabi continues to attract global wealth and investment, innovations such as this are reshaping the luxury property landscape. By making off-plan homeownership more accessible, the partnership between Modon and ADIB reinforces the emirate's position as one of the world's most compelling destinations for luxury real estate investment.