Personal Loan - Expatriates
| 伊斯兰金融 | 否 |
| 最低工资 | AED 10,000 |
| 最低年龄 | 25 年 |
| 最高年龄 | 60 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 | 是 |
| 就业条件 | Must be employed by a NBQ-approved employer with a minimum AECB score; monthly salary and EOSB must be transferred to NBQ. |
| 最低贷款金额 | AED 20,000.00 |
| 最高贷款金额 | AED 1,000,000.00 |
| 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： | 6.80% - Indicative reducing balance rate starting from 6.80% up to 11.25% per annum. |
| 处理费： | 1.05% - 1.05% of loan amount (inclusive of VAT), with a minimum fee of AED 525 and a maximum of AED 2,625. |
| 提前结清费： | 1.05% - 1.05% of outstanding balance, capped at AED 10,500. |
| 逾期付款费： | 210.00% - 2.10% of delayed amount (inclusive of VAT), with a minimum of AED 52.50 and a maximum of AED 210. |
| 保险费： | 不适用 - Mandatory life insurance premium; the premium is paid upfront by the bank. |
所需文件
Passport, Emirates ID, salary certificate, bank statements, and employment confirmation.
额外福利
Competitive APR starting from 8.78% with flexible repayment options.
特点：
Available in both conventional and Islamic variants; EMI-based repayment; life insurance included.
一般说明
Offer subject to full credit assessment and documentation. A cooling‐off period of 5 business days applies.
