Personal Loan
| 伊斯兰金融 | 否 |
| 最低工资 | AED 3,000 |
| 最低年龄 | 21 年 |
| 最高年龄 | 60 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 | Loan is granted against a salary transfer letter from the employer. |
| 最低贷款金额 | AED 50,000.00 |
| 最高贷款金额 | AED 2,000,000.00 |
| 最低贷款期限 | 6 个月 |
| 最高贷款期限 | 48 个月 |
| 固定利率： | 5.00% - Interest is calculated on a reducing balance basis daily; actual rate subject to market conditions. |
| 递减利率： | 5.00% - Fixed on a reducing balance basis throughout the loan period. |
| 处理费： | 1.00% - 1% of the loan amount, with a minimum fee of AED 500 and a maximum of AED 2500 (inclusive of VAT). |
| 提前结清费： | 1.00% - Early settlement fee of 1% of the remaining balance, capped at AED 10,000 plus applicable VAT. |
| 逾期付款费： | 200.00% - A fixed fee of AED 200 for late payments per installment. |
| 保险费： | 0.02% - Life Insurance Premium as per standard tariff, deducted upfront from the disbursed amount. |
所需文件
Salary transfer letter, Emirates ID, passport copy, salary certificate, bank statements, and employment contract.
额外福利
Option to postpone up to two monthly payments during a 12‐month period after 6 months of disbursal.
特点：
Equal monthly repayments over up to 48 months with interest calculated on a reducing balance basis.
一般说明
Subject to Arab Bank’s credit assessment, terms and conditions, and UAE Central Bank regulations. A cooling‐off period of 5 business days applies.
