Personal Loan - UAE Nationals
| 伊斯兰金融 | 否 |
| 最低工资 | AED 3,000 |
| 最低年龄 | 18 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 | 否 |
| 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 be employed by a RAKBANK-approved employer, with at least 3 months in the current job and a minimum AECB score; salary and EOSB must be transferred to RAKBANK. |
| 最低贷款金额 | AED 20,000.00 |
| 最高贷款金额 | AED 500,000.00 |
| 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 option available; conventional or Islamic variants offered. |
| 递减利率： | 不适用 |
| 处理费： | 1.00% - 1% of loan amount, minimum AED 500, maximum AED 2500. Differential pricing may apply. |
| 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 - Life insurance is mandatory; fee is calculated as 0.01902% x loan tenure (months) x loan amount. |
所需文件
Emirates ID, salary certificate, bank statements, and employment confirmation.
额外福利
Flexible repayment terms; extended tenure (up to 60 months for Armed Forces staff).
特点：
Available in both conventional and Islamic variants; salary transfer required.
一般说明
Offer subject to credit approval and full documentation. Processing time is within 7 business days.
