Personal Loan for Expatriates
| 伊斯兰金融 | 否 |
| 最低工资 | AED 5,000 |
| 最低年龄 | 21 年 |
| 最高年龄 | 65 年 |
| 适用于阿联酋国民 | 否 |
| 适用于外籍人士 | 是 |
| 适用于有薪人员 | 是 |
| 适用于自雇人士 | 否 |
| 要求工资转账 | 是 |
| 就业条件 | Full-time employment with salary transferred to ADCB |
| 最低贷款金额 | AED 5,000.00 |
| 最高贷款金额 | AED 1,000,000.00 |
| 最低贷款期限 | 12 个月 |
| 最高贷款期限 | 48 个月 |
| 固定利率： | 3.99% - Annual flat rate starting at 3.99%, subject to eligibility |
| 递减利率： | 不适用 |
| 处理费： | 1.05% - 1.05% of loan amount, capped at AED 2,500 + VAT |
| 提前结清费： | 1.05% - 1.05% of outstanding principal, capped at AED 10,000 + VAT |
| 逾期付款费： | 不适用 - As per ADCB schedule of fees |
| 保险费： | 不适用 - Mandatory life insurance coverage as per ADCB policy |
所需文件
Emirates ID, passport with valid residency visa, salary certificate, recent bank statements
促销活动
Debt consolidation option, top-up availability before completing 12 months if income increases
额外福利
Free credit card, loyalty points (TouchPoints), partial settlement flexibility
特点：
Loan amount up to 20 times salary, repayment period up to 4 years
一般说明
Subject to bank approval; terms and conditions apply
