Minimum Salary Salary Transfer Islamic Finance Maximum Term Flat Rate Reducing Rate
Dubai Islamic Bank - Sukuk Finance Expats Dubai Islamic Bank - Sukuk Finance Expats Minimum Salary: AED 5,000 Salary Transfer: No Islamic Finance: Yes Maximum Term: 4 Years Flat Rate: 4.9% Reducing Rate: 8.99%
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At Dubai Islamic Bank, the global leader in Islamic Banking, we are always developing innovative Sharia compliant financial solutions to help our customers.

Al Islami Personal Finance allows you access to cash. This product is based on the Islamic financing structure, which is a sale contract whereby the purchaser (DIB) pays the price in advance, and the seller (customer) delivers goods with certain specifications and certain quantity on agreed future dates.

You can also combine all your payment obligations into one easy finance solution

  • Upfront cash payment to the customer
  • Low salary requirement
  • Simple documentation
  • Quick processing
Documents Required
  • Copy of Passport (with Residence visa for expatriates)
  • Salary and the End of Service Benefit Transfer Letter/Certificate from the employer
  • Statement of Account for minimum 3 months if the salary is transferred to another bank (6 months for self employed professionals/ businessmen)
  • Copy of valid trade license (for self employed professionals/businessmen)
** 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.
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