Minimum Salary Salary Transfer Islamic Finance Maximum Term Flat Rate Reducing Rate
ADCB - Personal Loan for Expatriates ADCB - Personal Loan for Expatriates Minimum Salary: AED 5,000 Salary Transfer: Yes Islamic Finance: No Maximum Term: 4 Years Flat Rate: 6.25% Reducing Rate: 11.25%
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TouchPoints awarded on loan amount (AED 10,000 and above) are as follows:

  • 200 TouchPoints will be earned for every AED 1,000 of loan amount, when loan amount is AED 150,000 or less.
  • 300 TouchPoints will be earned for every AED 1,000 of loan amount, when loan is above AED 150,000.

Features
  • High salary multiples
  • Competitive interest rates
  • Loan consolidation available
  • Simple documentation
  • Credit life insurance
  • Involuntary loss of Employment cover
  • Free ADCB Credit Card
  • Up to two times salary overdraft
Documents Required
  • Completed application form
  • Valid Passport, Visa & EIDA Card copy
  • Last 3 months bank statements copy
  • Salary certificate issued to ADCB, dated 30 days or less from date of loan application
  • Salary transfer letter
  • Details of existing loans/liabilities
Additional Information

** Calculator Definitions
Amount: The total amount of money borrowed, also referred to as the principal amount.
Rate (%): This is the annual interest flat rate on the product. This is not the APR, which is going to be calculated in this example.
Years: This is the original term or length of the product, stated in years.
Effective Monthly Payment: This is the effective monthly payment, which takes into consideration fees and other costs associated with this product. The effective monthly payment is the basis for the APR calculation.
Calculated Annual Percentage Rate (%): The Calculated Annual Percentage Rate (APR) is determined using the annual interest rate of the product plus fees and other costs. This rate may differ from bank to bank. APR is useful when comparing two or more products with different interest rates and fee structures.
Representative Example Calculator
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