Emirates Islamic - Personal Finance for Expats

Emirates Islamic - Personal Finance for Expats

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• High Finance Amounts
• 24-hour Approvals
• Free Credit Card with no annual fees for the first year
• Financing available to salaried customers
• Certificate of Takaful / Insurance Cover available
• This finance is sharia-compliant.
• High finance amount of up to 2 million for Expats and 4 million for UAE Nationals.Flexible, extended repayment periods of up to 4 years
• If you transfer your salary then the minimum salary requirement is AED 5,000 and if you don't transfer your salary then the minimum salary requirement is AED 10,000.
• It is not a requirement to transfer your salary to apply.
• The processing fee is 2.50% of the finance amount (Min AED 500, Max AED 2,500). There is also a brokerage commission of 1% of the finance amount.
• The early settlement fee for this finance is 1% of the remaining principal amount to date. The bank has the discretion to waive any or all of the total outstanding profit.
• The Takaful coverage fee is 0.75% of the finance amount.
• The profit rate starts from 3.99% per annum based on a reducing rate. It will vary depending on the customer profile. This rate is based on 4-year financing
• The rate is calculated on a flat basis.

  • Minimum Salary: AED 5,000
  • Fixed rate: 3.99%
  • Reducing rate: 7.34%
  • Processing fee: 2.50% (Min AED 500, Max AED 2,500)

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