Haj & Umrah Finance
| 伊斯兰金融 | 是 |
| 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 | 是 |
| 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 | Stable monthly income deposited into an Ajman Bank account |
| 最低贷款金额 | AED 5,000.00 |
| 最高贷款金额 | AED 200,000.00 |
| 最低贷款期限 | 6 个月 |
| 最高贷款期限 | 48 个月 |
| 固定利率： | 不适用 |
| 递减利率： | 3.75% - Profit rate based on Murabaha structure for religious travel packages |
| 处理费： | 1.00% - One-time fee on financed amount, subject to bank policy |
| 提前结清费： | 1.00% - Applies on remaining financed portion |
| 逾期付款费： | 0.00% - No penalty taken by the bank; donation to charity as per Sharia rules |
| 保险费： | 不适用 - May require Takaful coverage per bank’s guidelines |
所需文件
Emirates ID, passport/visa, salary certificate, proof of Haj/Umrah registration
促销活动
Promotional campaigns occasionally offer discounted fees
额外福利
Flexible scheduling to match travel dates, Sharia-compliant financing
特点：
Funds disbursed directly or via authorized travel partner arrangements
一般说明
Subject to final approval and meeting Sharia compliance
