Personal Finance Tawarruq
| 伊斯兰金融 | 是 |
| 最低工资 | AED 3,000 |
| 最低年龄 | 21 年 |
| 最高年龄 | 60 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 an active UAB salary transfer account with valid income proof. |
| 最低贷款金额 | AED 50,000.00 |
| 最高贷款金额 | AED 2,000,000.00 |
| 最低贷款期限 | 6 个月 |
| 最高贷款期限 | 48 个月 |
| 固定利率： | 4.89% - Fixed profit rate on a reducing balance basis, starting from 4.89%, remaining unchanged throughout the finance period. |
| 递减利率： | 4.89% - Calculated on a reducing balance; fixed for the finance period. |
| 处理费： | 1.00% - Finance processing fee of 1% of the finance amount (min AED 525, max AED 2,625 inclusive of VAT). |
| 提前结清费： | 1.00% - Early settlement fee of 1% of the remaining balance, capped at AED 10,000 plus 5% VAT. |
| 逾期付款费： | 2.00% - 2% of the installment amount (minimum AED 52.05, maximum AED 210), with collected fees credited to charity. |
| 保险费： | 0.02% - Life Takaful fee at approximately 0.0154% per month for UAB internal group insurance. |
所需文件
Emirates ID, passport copy, salary certificate, bank statements, and a UAB salary transfer account statement.
促销活动
No specific promotional offers mentioned.
额外福利
Fixed EMI repayment with predictable cost structure and Shari’ah compliance.
特点：
Based on Tawarruq (Commodity Murabaha) offering a fixed profit rate over the finance period with transparent fees.
一般说明
Subject to UAB’s credit conditions, terms, and UAE Central Bank regulations. A cooling‐off period of 5 business days applies.
