Liability Consolidation 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 | Salary transferred to DIB. Customers can settle multiple liabilities (internal or external) and combine into a single plan. |
| 最低贷款金额 | AED 20,000.00 |
| 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% - Rate starts near 7%, subject to consolidation amount, credit score, etc. |
| 处理费： | 1.05% - 1.05% of new consolidated finance amount (min AED 520). |
| 提前结清费： | 1.00% - 1% of outstanding balance if closed before maturity. |
| 逾期付款费： | 175.00% - Fee recognized as charitable contribution under Sharia rules. |
| 保险费： | 不适用 - Takaful coverage may be required or optional; check with bank for specifics. |
所需文件
Clearance letters for existing debts, ID, salary docs, bank statements, and any settlement instructions.
特点：
Combines multiple liabilities (credit cards, finances) into one DIB plan. Possible free-up of leftover funds if eligibility allows.
一般说明
A convenient way to unify monthly payments, potentially lower monthly obligations, subject to full credit review.
