DIB Personal Finance (Service Ijara)
| 伊斯兰金融 | 是 |
| 最低工资 | AED 3,000 |
| 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 | Targets customers transferring salary to DIB; used to finance service-based expenses (rent, medical, travel, education). |
| 最低贷款金额 | AED 10,000.00 |
| 最高贷款金额 | AED 2,000,000.00 |
| 最低贷款期限 | 12 个月 |
| 最高贷款期限 | 48 个月 |
| 固定利率： | 不适用 |
| 递减利率： | 7.00% - Profit rate begins around 7% (reducing). Actual rate depends on credit profile and tenure. |
| 处理费： | 1.05% - Due diligence & documentation fee of 1.05% of finance amount (min AED 520). |
| 提前结清费： | 1.00% - 1% of remaining principal, up to bank-defined limits. |
| 逾期付款费： | 175.00% - AED 175 charitable donation in case of late payment, compliant with Sharia rules. |
| 保险费： | 不适用 - Takaful coverage can apply; confirm final details with the bank. |
所需文件
Passport/Emirates ID, salary certificate, bank statements, other proof per the bank’s credit guidelines.
特点：
Finances intangible services under Ijara structure; easy installments for rent, medical, educational fees, etc.
一般说明
Structure differs from Sukuk-based by focusing on sub-leasing or service usage instead of direct Sukuk sale.
