Personal Finance
| 伊斯兰金融 | 是 |
| 最低工资 | AED 不适用 |
| 最低年龄 | 不适用 年 |
| 最高年龄 | 不适用 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 transfer is required. Employment with an approved employer. |
| 最低贷款金额 | AED 不适用 |
| 最高贷款金额 | AED 不适用 |
| 最低贷款期限 | 12 个月 |
| 最高贷款期限 | 60 个月 |
| 固定利率： | 2.00% - Flat profit rate ranges from 2.00% up to 10.00% per annum. |
| 递减利率： | 2.38% - Annual percentage rate (APR) ranges from 2.38% up to 10.38%. |
| 处理费： | 0.79% - Processing fee is 0.7875% of the finance amount (minimum AED 525 and maximum AED 2,625), inclusive of VAT. |
| 提前结清费： | 1.05% - Early settlement fee is 1.05% of the principal outstanding, capped at AED 10,500. |
| 逾期付款费： | 210.00% - Late payment fee of AED 210 applies if the monthly payment is not received on time. |
| 保险费： | 0.71% - Takaful contribution of 0.71% applies. |
所需文件
Emirates ID, Passport, Visa, Salary Certificate, Bank Statement, etc.
特点：
Fixed profit rate, flexible tenure up to 60 months, Shariah-compliant Murabaha financing.
一般说明
Personal Finance based on Murabaha, where the bank purchases an asset and sells it to the customer at a known profit margin.
