Habib Bank A.G Zurich

Habib Bank AG Zurich (HBZUAE) 是一家成熟的全球银行机构，在阿拉伯联合酋长国有着显著的影响力。该银行成立于1974年，自此在阿联酋扩展业务，拥有八个分支机构，为客户提供多种银行服务。该银行在阿联酋的分支机构便捷地位于关键地区，包括迪拜国际金融中心和Umm Al Sheif，方便客户访问。

全球影响力

最初在瑞士注册成立的Habib Bank AG Zurich，已发展成为一家全球金融机构，在四大洲的11个国家开展业务。这些国家包括香港、肯尼亚、巴基斯坦、南非、加拿大、阿拉伯联合酋长国和英国。银行的国际网络由稳健的财务结构、富有前瞻性的管理以及不断增长的客户群支持，体现了其前瞻性的银行业务方法。

服务与运营

Habib Bank AG Zurich 提供广泛的银行服务，满足其客户的多样化需求。其服务范围涵盖个人和企业银行业务以及伊斯兰银行业务，遵循伊斯兰教法原则。除了银行服务，银行还提供全面的客户支持，设有专门的联系电话和电子邮件地址，以处理一般查询和伊斯兰教法相关事宜。

通信与交易

为了方便无缝的国际交易，Habib Bank AG Zurich 使用SWIFT/BIC 代码HBZUAEADXXX。然而，银行针对不同服务采用不同的代码，强调在启动任何交易前确认正确代码的重要性。这种方法确保银行的运营高效，国际交易顺利进行。

总之，Habib Bank AG Zurich 是一家充满活力且不断发展的全球银行机构，在阿联酋具有显著的影响力，为客户提供多种银行服务，同时确保运营和交易的高效性。

分行

信用卡

Visa Infinite

Habib Bank A.G Zurich

年利率 (APR): 18.00%

年费: AED1,000.00

免息期: -44 天

预支现金手续费: 3.00% (最小 50.00 AED)

优惠和福利:

Includes two free supplementary cards. Maximum credit limit based on 0.5x income or AED 100K.

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Visa Platinum

Habib Bank A.G Zurich

年利率 (APR): 21.00%

年费: AED200.00

免息期: -44 天

预支现金手续费: 3.00% (最小 50.00 AED)

优惠和福利:

Includes two free supplementary cards. Maximum credit limit based on 0.5x income or AED 100K.

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Visa Classic

Habib Bank A.G Zurich

年利率 (APR): 23.88%

年费: AED100.00

免息期: -44 天

预支现金手续费: 3.00% (最小 50.00 AED)

优惠和福利:

Includes two free supplementary cards. Maximum credit limit based on 0.5x income or AED 100K.

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抵押贷款

Residential Mortgage Loan

Habib Bank A.G Zurich

Interest Rate: EIBOR-based

APR: N/A

Loan Tenure: 240 months

Loan-to-Value (LTV): 80.00%

Processing Fee: 1% of loan amount (non-refundable).

Features:

Only available for freehold and leasehold properties.

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Ijarah Residential Property Finance

Habib Bank A.G Zurich

Interest Rate: EIBOR-based

APR: N/A

Loan Tenure: 240 months

Loan-to-Value (LTV): 80.00%

Processing Fee: 1% of finance amount (non-refundable).

Features:

Shariah-compliant financing under Ijarah Muntahiya Bittamlik structure.

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Ijarah Income Generating Property Finance

Habib Bank A.G Zurich

Interest Rate: EIBOR-based

APR: N/A

Max Loan Amount: AED 35,000,000.00

Loan Tenure: 240 months

Loan-to-Value (LTV): 75.00%

Processing Fee: 1% of finance amount.

Features:

Designed for income-generating properties with rental income as primary repayment source. Debt burden: 50% rental income coverage.

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汽车贷款

Auto Loan

Habib Bank A.G Zurich

利率: 6.41% 递减

最高贷款金额: AED 600,000.00

贷款期限: 60 个月

贷款价值比 (LTV): 80.00%

特点:

Loan available for both new and used vehicles. Maximum tenure of 60 months for new cars and 36 months for used cars. Loan to value ratio up to 80%. Fixed interest rate for the entire term.

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保险存储柜

Small 保险箱

Habib Bank A.G Zurich

年度租赁费用: AED 1,000.00

保证金: AED 5,000.00

可用性: Available at Deira, Al Fahidi, Corporate, Sheikh Zayed Road, and Sharjah branches

访问频率: Branch hours only, last access 15 minutes before closing

锁定机制: Dual key system (customer key + bank master key)

特殊功能:

Dual key system, secure vault storage

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Medium 保险箱

Habib Bank A.G Zurich

年度租赁费用: AED 1,500.00

保证金: AED 5,000.00

可用性: Available at Deira, Al Fahidi, Corporate, Sheikh Zayed Road, and Sharjah branches

访问频率: Branch hours only, last access 15 minutes before closing

锁定机制: Dual key system (customer key + bank master key)

特殊功能:

Dual key system, secure vault storage

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Large 保险箱

Habib Bank A.G Zurich

年度租赁费用: AED 3,000.00

保证金: AED 5,000.00

可用性: Available at Deira, Al Fahidi, Corporate, Sheikh Zayed Road, and Sharjah branches

访问频率: Branch hours only, last access 15 minutes before closing

锁定机制: Dual key system (customer key + bank master key)

特殊功能:

Dual key system, secure vault storage

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企业活期账户

Business Current Account

Habib Bank A.G Zurich

Min. Avg. Balance: AED 25,000.00

Monthly Fee: None

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