Multi Finance Solutions
| 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 | Aiming to consolidate or restructure finances, with salary transferred to DIB. Final approval after bank reviews existing debts. |
| 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% - Profit rates begin around 7% reducing, adjusted by total liabilities & credit score. |
| 处理费： | 1.05% - 1.05% of the finance amount (min AED 520), covering due diligence & document prep. |
| 提前结清费： | 1.00% - 1% of outstanding finance if settled early, up to a certain limit. |
| 逾期付款费： | 175.00% - Donation-based penalty for tardy installments, adhering to Islamic guidelines. |
| 保险费： | 不适用 - Takaful may be offered to cover the financed amount. Terms vary by applicant. |
所需文件
Official settlement instructions, existing liability proofs, standard ID & salary paperwork.
特点：
Consolidates or restructures multiple DIB or external obligations into a single Sharia-compliant facility, often with extra top-up.
一般说明
Similar to Liability Consolidation, but focuses on broader multi-liability solutions with possible extra finance if eligible.
