Sustainable Personal Finance Journey
| Islamic Finance | Yes |
| Minimum Salary | AED 3,000 |
| Minimum Age | 21 years |
| Maximum Age | 65 years |
| UAE Nationals Eligible | Yes |
| Expatriates Eligible | Yes |
| Salaried Eligible | Yes |
| Self-Employed Eligible | No |
| Salary Transfer Required | Yes |
| Employment Criteria | Marketed as an eco-friendly / socially responsible personal finance route; still requires standard DIB salary transfer and credit checks. |
| Minimum Loan Amount | AED 10,000.00 |
| Maximum Loan Amount | AED 2,000,000.00 |
| Minimum Loan Tenure | 12 months |
| Maximum Loan Tenure | 48 months |
| Flat Interest Rate: | N/A |
| Reducing Interest Rate: | 7.00% - Likely begins around 7% (reducing), subject to personal profile. The bank emphasizes value-added community benefits. |
| Processing Fee: | 1.05% - 1.05% of financed amount (min AED 520). |
| Early Settlement Fee: | 1.00% - 1% of outstanding balance, subject to caps and policies. |
| Late Payment Fee: | 175.00% - Late payment triggers an AED 175 charitable donation, consistent with Sharia guidelines. |
| Insurance Fee: | N/A - Takaful coverage typically offered; terms vary depending on final approval. |
Required Documents
Same baseline docs: Emirates ID, passport, salary certificate, bank statements, etc.
Additional Benefits
Potential philanthropic tie-ins or sustainability-themed extras, depending on DIB’s current campaigns.
Features:
Highlights DIB’s approach to responsible banking. Sharia-compliant structure plus a social or environmental emphasis.
General Notes
Primarily a branding and benefits variation on standard personal finance, with a focus on supporting sustainability or community programs.
