Wadeem Gardens and ADIB: what does up to 75% off-plan finance mean for buyers?
Before asking how much a bank might finance, ask when your own money will be needed.
Published 31 October 2026 · 4 min read
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Modon's 30 September announcement introduced the first phase of Wadeem Gardens on Hudayriyat Island, with four, five and six bedroom villas and access to ADIB finance of up to 75% for eligible buyers. Read Modon's announcement.
The launch is September news. The useful question now is how a buyer should assess the financing alongside the home and its contract.
What the announcement establishes
The financing partnership was outlined in July. ADIB describes support during construction and through handover, subject to customer eligibility. That is not confirmation that a particular applicant will receive the maximum amount. Read the bank's announcement.
Request a bank assessment, the developer's payment schedule and a dated price quotation for the selected residence. Do not substitute the financing percentage for the instalments in your sale contract.
Why a 75% headline is not a complete cash plan
Illustrative arithmetic only: on an accepted financing basis of AED 10 million, a full 75% approval would equal AED 7.5 million of finance and AED 2.5 million outside that facility, before other purchase costs. This is not a Wadeem Gardens quotation or an approval example.
That calculation still leaves the important timing questions unanswered. Which instalments must you pay before funds are released? When do finance payments begin? What happens if the approved facility is smaller than you expected?
Those answers belong in a written schedule before you commit.
Five questions to take to the bank and developer
- Does the offer apply to the exact villa and applicant being considered?
- What value is used to calculate the finance percentage?
- What are the release dates and conditions for the funds?
- What are the profit rate, payments, fees and applicable takaful requirements?
- What do the documents say about delays, early settlement and a later sale?
Compare the home and the finance separately. An attractive funding arrangement should not end the discussion about the villa's layout, location, purchase price or suitability for your plans.
Is everyone entitled to 75% finance?
No. The announced maximum is subject to eligibility and bank approval. Ask ADIB for an assessment against its current terms.
Can I use the July framework as my Wadeem payment plan?
Not without confirmation. Request the selected home's developer schedule and a product-specific bank illustration. A general partnership announcement does not replace either.
Sources: Modon's 30 September launch announcement and ADIB's July partnership announcement. The worked arithmetic and buyer questions are Golden Dome's editorial explanation.
