Non-Salary Transfer Personal Loan

Islamic Finance	No
Minimum Salary	AED N/A
Minimum Age	21 years
Maximum Age	65 years
UAE Nationals Eligible	Yes
Expatriates Eligible	Yes
Salaried Eligible	Yes
Self-Employed Eligible	Yes
Salary Transfer Required	No
Employment Criteria	Available for salaried and self-employed individuals without a salary transfer requirement.
Minimum Loan Amount	AED N/A
Maximum Loan Amount	AED N/A
Minimum Loan Tenure	N/A months
Maximum Loan Tenure	N/A months
Flat Interest Rate:	N/A
Reducing Interest Rate:	N/A - Higher interest rates compared to salary transfer loans.
Processing Fee:	N/A - Processing fees apply as per SNB's tariff schedule.
Early Settlement Fee:	N/A - Early settlement charges as per SNB policies.
Late Payment Fee:	N/A - Late payment fees apply as per SNB's terms.
Insurance Fee:	N/A

Required Documents

Proof of income, Emirates ID, bank statements, loan application form.

Loan available without requiring salary transfer.

Higher flexibility but slightly higher interest rates.

Loan approval subject to meeting SNB's eligibility criteria.