Personal Loan
| 伊斯兰金融 | 否 |
| 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 | Applicants must maintain an active UAB salary transfer account with proof of income. |
| 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 interest rate on a reducing balance basis, starting from 4.89% and remaining constant for the loan period. |
| 递减利率： | 4.89% - Interest calculated on a reducing balance; rate remains fixed throughout the loan term. |
| 处理费： | 1.00% - Loan processing fee of 1% of the loan 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 10,500 plus VAT. |
| 逾期付款费： | 2.00% - Late payment fee of 2% of the installment (minimum AED 52.05, maximum AED 210). |
| 保险费： | 0.02% - Life insurance fee at approximately 0.0154% per month based on the loan amount. |
所需文件
Emirates ID, passport copy, salary certificate, bank statements, and a completed loan application form.
促销活动
Quick approvals and flexible repayment terms are highlighted.
额外福利
Generous loan limits with fixed EMI options designed for personal financial needs.
特点：
Unsecured personal loan with competitive fixed interest rates, tailored for both UAE Nationals and expatriates.
一般说明
Subject to UAB’s credit assessment, terms, and UAE Central Bank regulations. A cooling‐off period of 5 business days applies.
