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Emirates Islamic Personal Finance

Emirates Islamic Personal Finance

Emirates Islamic Bank (EIB)

SALARY TRANSFER

Yes

FIXED RATE

2.79 %

MONTHLY SALARY

AED 10,000

REDUCING RATE

5.11 %

  • Competitive profit rates
  • Finance up to AED 4 million
  • First installment payment within 120 days
  • Free takaful coverage

Salary Transfer Required?

Yes

Minimum Monthly Salary

AED 10,000

Fixed Rate

2.79 %

Reducing Rate

5.11 %

Max Loan Amount

4,000,000

Key Features

  • High finance amount of up to 4 million for UAE Nationals and 2 million for Expats
  • 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
  • Financing available to salaried 
  • Financing up to 4 million for UAE Nationals 
  • Approvals in 24 hours
  • Pre approved credit card and 100% discount on first year's annual fees
  • Flexible, extended repayment periods of up to 4 years with low profit rate.
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Emirates Islamic Personal Finance Consolidation for Expats

Emirates Islamic Personal Finance Consolidation for Expats

Emirates Islamic Bank (EIB)

SALARY TRANSFER

Yes

FIXED RATE

2.95%

MONTHLY SALARY

AED 10,000

REDUCING RATE

5.39%

  • Profit rates starting from 2.95% flat p.a.
  • Finance up to AED 2 million
  • First installment payment within 90 days
  • Easy Documentation
  • Free Takaful Coverage

Salary Transfer Required?

Yes

Minimum Monthly Salary

AED 10,000

Fixed Rate

2.95%

Reducing Rate

5.39%

Max Loan Amount

2,000,000

Key Features

  • Expats starting fixed profit rate of 2.95% and reducing rate of 5.39%
  • Free takaful coverage
  • Holiday period for Expats is up to 90 days
  • Profit rates vary depending on salary
  • High finance amount of up to 2 million for Expats 
  • 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
  • Easy Documentation
  • Free Takaful Coverage

    *Personal Finance flat rate, approximately equivalent to 5.39% reducing rate per annum.|
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