Personal Loan
| Исламские финансы | Нет |
| Минимальная зарплата | AED 3,000 |
| Минимальный возраст | 21 лет |
| Максимальный возраст | 60 лет |
| Доступно для граждан ОАЭ | Да |
| Доступно для экспатов | Да |
| Доступно для сотрудников | Да |
| Доступно для самозанятых | Нет |
| Требуется перевод зарплаты | Да |
| Критерии занятости | Applicants must maintain an active UAB salary transfer account with proof of income. |
| Минимальная сумма займа | AED 50,000.00 |
| Максимальная сумма займа | AED 2,000,000.00 |
| Минимальный срок займа | 6 месяцев |
| Максимальный срок займа | 48 месяцев |
| Фиксированная процентная ставка: | 4.89% - Fixed interest rate on a reducing balance basis, starting from 4.89% and remaining constant for the loan period. |
| Снижающаяся процентная ставка: | 4.89% - Interest calculated on a reducing balance; rate remains fixed throughout the loan term. |
| Комиссия за обработку: | 1.00% - Loan processing fee of 1% of the loan amount (min AED 525, max AED 2,625 inclusive of VAT). |
| Плата за досрочное погашение: | 1.00% - Early settlement fee of 1% of the remaining balance, capped at AED 10,500 plus VAT. |
| Плата за просрочку: | 2.00% - Late payment fee of 2% of the installment (minimum AED 52.05, maximum AED 210). |
| Страховой сбор: | 0.02% - Life insurance fee at approximately 0.0154% per month based on the loan amount. |
Необходимые документы
Emirates ID, passport copy, salary certificate, bank statements, and a completed loan application form.
Акции
Quick approvals and flexible repayment terms are highlighted.
Дополнительные преимущества
Generous loan limits with fixed EMI options designed for personal financial needs.
Особенности:
Unsecured personal loan with competitive fixed interest rates, tailored for both UAE Nationals and expatriates.
Общие примечания
Subject to UAB’s credit assessment, terms, and UAE Central Bank regulations. A cooling‐off period of 5 business days applies.
