In order to apply for Emirates Islamic Bank's personal finance solution, you will need the following documents:

• Completed application form
• Copy of valid passport with valid UAE residence visa for expatriates (original required for verification)
• Last three months bank statements
• Salary transfer letter / salary certificate (for salaried customers only)
• Account opening forms for shares trading
• Liability letter (for buyout cases only)
• Trade license (for self employed customers)

• Minimum monthly salary of AED 10,000 for UAE Nationals and for Expatriates
• Length of service
  • UAEN: Minimum one month/first salary credit into Emirates Islamic account
  • Expats: Minimum 6 months

• Minimum age of 21 years
• Maximum age of 65 for UAE Nationals and 60 for Expatriates at the time of maturity
• Tenure - 48 months

• UAE Nationals starting profit rate of 2.79% flat p.a approximately equivalent to 5.11% reducing p.a
• Expat starting profit rate of 2.89% flat p.a  approximately equivalent to 5.29% reducing p.a 
• High finance amount of up to 4 million for UAE Nationals and 2 million for Expats
• Free takaful coverage
• Holiday period for UAE Nationals up to 120 days
• Profit rates vary depending on salary
• High finance amount of up to 4 million for UAE Nationals
• Flexible, extended repayment periods of up to 4 years
• Simple, quick approval process
• Can be used to consolidate all debts into an easy payment plan involving the same instalment every month
• External credit cards can be paid off for a lower monthly payment
• No over limit fees or additional charges with a lower profit rate
• Nominal processing fees
• Murabaha structure followed
• Shari'a based product
• Exclusive policy terms on buyout finances