Education 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 | Verified salary transfer to Al Hilal Bank and proof of enrollment or tuition fee schedule |
| 最低贷款金额 | AED 5,000.00 |
| 最高贷款金额 | AED 300,000.00 |
| 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： | 4.00% - Profit rate specialized for educational needs, may vary based on institution |
| 处理费： | 1.00% - Applied to total financed tuition fee |
| 提前结清费： | 1.00% - Percentage of unpaid principal if closed early |
| 逾期付款费： | 0.00% - Donation-based approach if installment is missed |
| 保险费： | 不适用 - Takaful coverage may apply depending on loan size |
所需文件
Emirates ID, university/institution fee schedule, salary certificate
促销活动
Occasional discounts on processing for recognized educational institutions
额外福利
Repayment aligned with academic calendar or monthly salary dates
特点：
Easy path to fund higher education or specialized courses
一般说明
Facilitates academic and professional growth within Sharia guidelines
