DIB Personal Finance (Sukuk-based)
| 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 | Generally requires salary transfer to DIB; final approval subject to credit assessment. |
| 最低贷款金额 | AED 10,000.00 |
| 最高贷款金额 | AED 4,000,000.00 |
| 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 typically starts around 7% (reducing) and may vary depending on salary, credit history, etc. |
| 处理费： | 1.05% - Due diligence & documentation fee of 1.05% of the finance amount (minimum AED 520). |
| 提前结清费： | 1.00% - 1% of outstanding balance, subject to the bank’s policies and any cap. |
| 逾期付款费： | 175.00% - AED 175 donation to charity (in line with Sharia principles) charged upon late payment. |
| 保险费： | 不适用 - Takaful (insurance) coverage details differ; consult bank for exact pricing or coverage. |
所需文件
Emirates ID, valid passport/visa copy, salary certificate or salary transfer letter, bank statements as needed.
特点：
Sharia-compliant (Sukuk purchase and sale). Flexible repayment plans, potential high financing limits.
一般说明
APR ranges from around 7.21% to 21.96% depending on applicant profile.
