Financing Wadeem Gardens by Modon with ADIB off-plan finance
Modon and Abu Dhabi Islamic Bank (ADIB) have introduced Abu Dhabi's first off-plan home financing — and Wadeem Gardens on Hudayriyat Island is the flagship. Eligible buyers can now finance up to 75% of the villa on a 25/75 plan, instead of funding the whole purchase in cash during construction. Here's exactly how it works.
About Wadeem Gardens
Wadeem Gardens by Modon is a connected district on Hudayriyat Island, Abu Dhabi — bringing together homes, work, learning, wellness and community in one place. It offers luxury 4- to 6-bedroom villas, with handover scheduled for Q2 2031. Indicative starting prices:
- 4-bedroom villa — from AED 8.7M (approx. 532 sqm)
- 5-bedroom villa — from AED 10.2M (approx. 630 sqm)
- 6-bedroom villa — from AED 11.6M (approx. 720 sqm)
Abu Dhabi's first off-plan home financing
Historically, buying off-plan in Abu Dhabi meant funding the entire purchase yourself during construction, with a mortgage only possible at handover. Modon and ADIB have changed that: their partnership lets eligible buyers finance up to 75% of the property with ADIB during the off-plan and construction phase — a first for the emirate. The financing is Sharia-compliant, through ADIB.
The 25/75 plan explained
On Wadeem Gardens the structure works out so you fund roughly 25% and ADIB finances about 75%:
- 5% — down payment on booking / reservation
- 15% — during construction, in 5% instalments (around months 8, 14 and 20)
- 20% — financed by ADIB during the construction phase (reduces your out-of-pocket cost)
- 5% — final buyer payment at completion / handover
- 55% — ADIB mortgage at handover (Q2 2031)
So across the journey you pay about 25% (5% + 15% + 5%) and ADIB provides the remaining ~75% (20% during construction + 55% mortgage at handover) — subject to ADIB's eligibility, valuation and credit approval.
Who can apply
The financing is open to new and existing ADIB customers — you don't need to already bank with ADIB. Approval is subject to ADIB's standard eligibility checks, income criteria, valuation and credit policy. Getting your eligibility confirmed before you reserve is the smart move, so you know exactly what you can commit to.
How Haider Mortgage helps with Wadeem Gardens
As an independent brokerage, we make the ADIB off-plan route straightforward — and check it really is your best option:
- Confirm your eligibility for the 25/75 ADIB plan up front
- Prepare and package your application so it's approved smoothly
- Compare the ADIB structure against any alternatives for your situation
- Manage the paperwork, valuation and Modon coordination through to handover in Q2 2031
Whether you're reserving a villa now or still deciding, a free, no-obligation chat will tell you exactly what's realistic.
Enquire about financing your Wadeem Gardens villa
Tell us a little about the villa and your profile, and one of our advisors will come back to you — usually within one working day — with your ADIB off-plan financing options.