Personal Loan - Non Salary Transfer (Expats)
| 伊斯兰金融 | 否 |
| 最低工资 | AED 5,000 |
| 最低年龄 | 21 年 |
| 最高年龄 | 不适用 年 |
| 适用于阿联酋国民 | 否 |
| 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 | 否 |
| 就业条件 | Must have a minimum AECB score of 541, be employed by a RAKBANK-approved employer, and have at least 3 months in the current job. |
| 最低贷款金额 | AED 20,000.00 |
| 最高贷款金额 | AED 200,000.00 |
| 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 - Fixed interest rate available; alternative product for expats not transferring salary. |
| 递减利率： | 不适用 |
| 处理费： | 1.00% - 1% of loan amount, with minimum AED 500 and maximum AED 2500. |
| 提前结清费： | 1.00% - 1% of outstanding loan amount, capped at AED 10,000. |
| 逾期付款费： | 200.00% - AED 200 per late payment. |
| 保险费： | 不适用 - Calculated as 0.01902% x loan tenure (months) x loan amount. |
所需文件
Passport, Emirates ID, salary certificate, and bank statements.
额外福利
For expats who prefer not to transfer their salary; competitive terms.
特点：
Simplified product without mandatory salary transfer; available in both conventional and Islamic variants.
一般说明
Subject to credit and document verification. Processing time within 7 business days.
