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Emirates Islamic Personal Finance

Emirates Islamic Bank (EIB) Personal Loans

SALARY TRANSFER

Yes

FIXED RATE

2.79 %

MONTHLY SALARY

AED 10,000

REDUCING RATE

5.11 %

TOP REASONS TO CHOOSE

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

Salary Transfer Required?

Yes

Minimum Monthly Salary

AED 10,000

Fixed Rate

2.79 %

Reducing Rate

5.11 %

Max Loan Amount

4,000,000

Joining offers

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.

Product Overview

Things To Be Aware Of

Emirates Islamic Personal Finance Consolidation for Expats

Emirates Islamic Bank (EIB) Personal Loans

SALARY TRANSFER

Yes

FIXED RATE

2.95%

MONTHLY SALARY

AED 10,000

REDUCING RATE

5.39%

TOP REASONS TO CHOOSE

  • 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
APPLY NOW

Salary Transfer Required?

Yes

Minimum Monthly Salary

AED 10,000

Fixed Rate

2.95%

Reducing Rate

5.39%

Max Loan Amount

2,000,000

Joining offers

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.|

Product Overview

Things To Be Aware Of

FAB Non Salary Transfer Personal Loans for UAE Nationals

First Abu Dhabi Bank (FAB) Personal Loans

SALARY TRANSFER

No

FIXED RATE

5.43%

MONTHLY SALARY

AED 15,000

REDUCING RATE

9.99%

TOP REASONS TO CHOOSE

  • Loans upto AED 1 million
  • Lowest-in-class rates starting from 9.99%* fixed per year
  • Employer need not be on the FAB approved list of companies
  • Pay from current salary transfer account
  • Comprehensive life insurance coverage
APPLY NOW

Salary Transfer Required?

No

Minimum Monthly Salary

AED 15,000

Fixed Rate

5.43%

Reducing Rate

9.99%

Max Loan Amount

1,000,000

Joining offers

Key Features

  • Loans up to AED one million
  • Flexible payment terms of up to 48 months (or up to 60 months for Ministry of Defence employees)
  • Lowest-in-class rates starting from 9.99%* fixed per year
  • A salary transfer to a FAB account is not required
  • Pay your instalments from the bank account into which you receive your salary each month
  • A personal loan is available even if your employer is not on FAB’s Approved List of Employers
  • Comprehensive life insurance coverage

Product Overview

Things To Be Aware Of

Emirates NBD End-of-Service Benefit Backed Personal Loans

Emirates NBD Personal Loans

SALARY TRANSFER

Yes

FIXED RATE

3.30 %

MONTHLY SALARY

AED 5,000

REDUCING RATE

5.99 %

TOP REASONS TO CHOOSE

  • Loan amounts up to 90% of End-of-Service Benefit amount
APPLY NOW

Salary Transfer Required?

Yes

Minimum Monthly Salary

AED 5,000

Fixed Rate

3.30 %

Reducing Rate

5.99 %

Max Loan Amount

0

Joining offers

Key Features

  • Loan amounts up to 90% of End-of-Service Benefit amount
  • Attractive reducing interest rates
  • Fast processing of loan application
  • 7-day Loan Return Option
  • Double Insurance Coverage

Product Overview

Things To Be Aware Of

  • Minimum loan amount that can be taken is AED 10,000

FAB Islamic Personal Finance

First Abu Dhabi Bank (FAB) Personal Loans

SALARY TRANSFER

Yes

FIXED RATE

3.57%

MONTHLY SALARY

AED 7,000

REDUCING RATE

6.70%

TOP REASONS TO CHOOSE

  • High finance amounts - up to AED 5 million
  • Attractive profit rates - 3.57% p.a.
  • Flexible payment period up to 48 months
  • 90 day grace period for first payment
APPLY NOW

Salary Transfer Required?

Yes

Minimum Monthly Salary

AED 7,000

Fixed Rate

3.57%

Reducing Rate

6.70%

Max Loan Amount

5,000,000

Joining offers

Key Features

  • Generous loan amounts - up to AED 5 million for UAE nationals and AED 2 million for expats
  • 90 day grace period until your first payment
  • Comprehensive personal life Takaful coverage
  • Flexible repayment terms of up to 48 months to repay through your FAB account
  • Attractive Profit rates 3.57% p.a.

Product Overview

Things To Be Aware Of

Emirates NBD Loan for NRIs – Loan against (for) NRE Fixed Deposits

Emirates NBD Personal Loans

SALARY TRANSFER

Yes

FIXED RATE

2.20%

MONTHLY SALARY

AED 5,000

REDUCING RATE

3.99%

TOP REASONS TO CHOOSE

  • For Salaried & Self Employed
  • Loan in AED against INR/AED Fixed Deposit
APPLY NOW

Salary Transfer Required?

Yes

Minimum Monthly Salary

AED 5,000

Fixed Rate

2.20%

Reducing Rate

3.99%

Max Loan Amount

0

Joining offers

Key Features

  • Loan amount up to 90% of Fixed Deposit amount in AED and up to 80% for INR Fixed Deposit
  • Loan in AED against INR Fixed Deposit Personal Loans rate starting at 3.99%
  • Maximum tenor up to 48 months
  • Salaried and Self-Employed customers can avail this facility
  • 7-day Loan Return Option Double Insurance Coverage

Product Overview

Things To Be Aware Of

  • Customer to fund the 20% of the Fixed Deposit amount

EMIRATES NBD Loan For New To Country, New To Employment

Emirates NBD Personal Loans

SALARY TRANSFER

Yes

FIXED RATE

2.63%

MONTHLY SALARY

AED 10,000

REDUCING RATE

5.99%

TOP REASONS TO CHOOSE

  • Attractive Interest Rates
  • No minimum Length of service
APPLY NOW

Salary Transfer Required?

Yes

Minimum Monthly Salary

AED 10,000

Fixed Rate

2.63%

Reducing Rate

5.99%

Max Loan Amount

4,000,000

Joining offers

Key Features

  • Rates starting 5.24% or 2.63% flat
  • No minimum length of service required
  • High loan amounts up to AED 400,000
  • Option of current or savings account with no minimum balance requirement
  • Free International ATM/Debit Card

Product Overview

Things To Be Aware Of

  • 36 Months tenure

ADCB Personal Loan for Expatriates

Abu Dhabi Commercial Bank (ADCB) Personal Loans

SALARY TRANSFER

Yes

FIXED RATE

6.25%

MONTHLY SALARY

AED 10,000

REDUCING RATE

11.33%

TOP REASONS TO CHOOSE

  • High Salary Multiples
  • Competitive interest rates
  • Simple Documentation
  • Credit Insurance
  • Involuntary Loss of Employment cover
APPLY NOW

Salary Transfer Required?

Yes

Minimum Monthly Salary

AED 10,000

Fixed Rate

6.25%

Reducing Rate

11.33%

Max Loan Amount

25,000

Joining offers

ADCB TouchPoints awarded on ADCB Personal loan amount (AED 10,000 and above) are as follows:

  • 200 TouchPoints will be earned for every AED 1,000 of loan amount, when loan amount is AED 150,000 or less.
  • 300 TouchPoints will be earned for every AED 1,000 of loan amount, when loan is above AED 150,000.

Key Features

  • Highest salary multiples
  • Longest repayment periods
  • Low interest rates
  • Consolidation of loans available
  • Simple documentation
  • Credit Life Insurance
  • Free ADCB Credit Card
  • Plus up to 2 times salary overdraft

Product Overview

Things To Be Aware Of

FAB Non Salary Transfer Personal Loans for Expats

First Abu Dhabi Bank (FAB) Personal Loans

SALARY TRANSFER

No

FIXED RATE

8.39%

MONTHLY SALARY

AED 15,000

REDUCING RATE

14.99%

TOP REASONS TO CHOOSE

  • Attractive loan amounts up to AED 600,000
  • Interest rates starts from 14.99% variable per year
  • Minimum documentation
  • Employer need not be on the FAB approved list
  • Comprehensive Life Insurance coverage
APPLY NOW

Salary Transfer Required?

No

Minimum Monthly Salary

AED 15,000

Fixed Rate

8.39%

Reducing Rate

14.99%

Max Loan Amount

600,000

Joining offers

Key Features

  • Get high loan amounts of up to AED 600,000 with flexible payment terms of up to 48 months
  • Enjoy best-in-class rates starting from 14.99%* fixed per year
  • A salary transfer to a FAB account is not required, and you can pay your instalments from the bank account into which you receive your salary each month
  • A personal loan is available even if your employer is not on FAB’s Approved List of Employers
  • Benefit from comprehensive life insurance coverage
  • Flexible repayment terms
  • Minimum documentation
  • Fast-track approvals

 

*All interest rates quoted are effective rates on the loan’s outstanding balance.

Product Overview

Things To Be Aware Of

FAB Non-Salary Transfer Islamic Personal Finance

First Abu Dhabi Bank (FAB) Personal Loans

SALARY TRANSFER

Yes

FIXED RATE

8.39%

MONTHLY SALARY

AED 15,000

REDUCING RATE

14.99%

TOP REASONS TO CHOOSE

  • Loans up to AED 1million
  • Interest rates starts from 8.39% per year for UAE Nationals
  • Interest rates starts from 5.43% per year for UAE Nationals
APPLY NOW

Salary Transfer Required?

Yes

Minimum Monthly Salary

AED 15,000

Fixed Rate

8.39%

Reducing Rate

14.99%

Max Loan Amount

1

Joining offers

Key Features

Product Overview

Things To Be Aware Of

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