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SIMULATE YOUR LOAN EMI

Loan Amount (AED)

Term (Months)

Personal Loans

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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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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