Minimum Salary Salary Transfer Islamic Finance Maximum Term Flat Rate Reducing Rate
Emirates Islamic - Personal Finance For Expats Emirates Islamic - Personal Finance For Expats Minimum Salary: AED 10,000 Salary Transfer: Yes Islamic Finance: Yes Maximum Term: 4 Years Flat Rate: 2.89% Reducing Rate: 5.4%
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Key Benefits

High Personal Finance amounts up to AED 2 Million for Expats plus attractive profit rates

Payment period

Flexible, extended repayment periods of up to 4 years with first payment holiday up to 75 days

Consolidating debts

Transfer finance facilities from other banks to Emirates Islamic under one consolidated Personal Finance solution to enjoy lower profit rates with a single monthly installment plan.


Emirates Islamic Personal Finance brings you attractive profit rates, high finance amounts, flexible repayment periods, and a simple and quick approval process. If you need funds to consolidate debt, travel the world, renovate your house, or fund an investment, Emirates Islamic Personal Finance is your perfect solution.
  • High finance amounts up to AED 2 million for Expats
  • Attractive profit rates from 2.89% flat p.a.
  • Flexible, extended repayment periods of up to 4 years
  • Simple, quick approval process
  • First payment holiday period up to 75 days
  • Can be used to consolidate all debts into 1 single payment plan
  • External credit cards can be paid off for a lower monthly payment


  • Minimum monthly salary of AED 10,000 for Expats 
  • Length of service - Minimum six months confirmation
  • Minimum age of 21 years
  • Maximum age of 60 for Expats at the time of finance maturity
  • Tenure - 48 months (standard debt settlement) 
Terms and conditions apply. Benefits and features can be changed without any prior notice. All Finance facilities are subject to the Bank's discretion.

Documents Required

To apply for Emirates Islamic Bank's personal finance solution, you will need the following documents:

·         Completed application form

·         Copy of valid passport with valid UAE residence visa for Expats (original required for verification)

·         Salary transfer letter / salary certificate (for salaried customers only)

·         Emirates ID 

Additional Information

CBD Absher Personal Finance
Minimum Salary
AED 8000
Flat Rate