Cash Personal 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 | At least 6 months in current job, monthly salary transferred to Al Hilal Bank |
| 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 | 6 个月 |
| 最高贷款期限 | 48 个月 |
| 固定利率： | 不适用 |
| 递减利率： | 3.99% - Profit rate for personal cash needs, varies by salary profile |
| 处理费： | 1.00% - Charged on financed amount, subject to a maximum limit |
| 提前结清费： | 1.00% - Calculated on outstanding principal if closed early |
| 逾期付款费： | 0.00% - No penalty to bank; donation element under Sharia guidelines |
| 保险费： | 不适用 - Takaful coverage as per bank’s terms |
所需文件
Emirates ID, valid passport/visa, salary certificate, bank statements
促销活动
Periodic campaigns with reduced processing fees
额外福利
Fast approval and flexible usage of funds
特点：
Fully Sharia-compliant structure for personal cash requirements
一般说明
Subject to bank’s credit policy and final approval
