Goods Murabaha Finance
| 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 | Open to customers transferring salary to DIB who need financing for specific goods or personal requirements. |
| 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% - Murabaha profit rates often start near 7% (reducing) and adjust based on credit evaluation. |
| 处理费： | 1.05% - Due diligence & documentation fee of 1.05% (minimum AED 520). |
| 提前结清费： | 1.00% - Typically 1% of outstanding principal if settled early. |
| 逾期付款费： | 175.00% - Collected as a donation for charitable causes if a payment is late. |
| 保险费： | 不适用 - Optional Takaful is usually offered. Terms vary by applicant profile. |
所需文件
Proof of goods purchase or relevant invoice, Emirates ID, salary transfer documents, etc.
特点：
Allows purchase of goods via Murabaha contract at cost plus agreed profit; flexible usage (business expansions, personal assets).
一般说明
Sharia-compliant with cost-plus financing. Potential for large amounts subject to the bank’s criteria.
