Unsecured Personal Loan (Salary Transfer)
| 伊斯兰金融 | 否 |
| 最低工资 | AED 7,500 |
| 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 | Must have a current account with HSBC and credit salary to that account. |
| 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 | 48 个月 |
| 固定利率： | 不适用 |
| 递减利率： | 6.75% - Reducing balance rate of 6.75% with an APR of 7.00%. |
| 处理费： | 1.00% - 1% (1.05% inclusive of VAT) of loan amount, min AED 500 and max AED 2,500. |
| 提前结清费： | 1.00% - 1% (1.05% inclusive of VAT) of outstanding loan amount, max AED 10,000. |
| 逾期付款费： | 2.00% - 2% (2.10% inclusive of VAT) of delayed amount, min AED 50, max AED 140. |
| 保险费： | 不适用 - No credit life insurance required. |
所需文件
Emirates ID, salary transfer letter, bank statements, loan application form.
额外福利
Top-up option available after 12 months; buy-out facility from another financial institution.
特点：
Fixed monthly installments, flexible tenure, early settlement allowed.
一般说明
Cooling-off period of 5 working days applies.
