Minimum Salary Salary Transfer Islamic Finance Maximum Term Flat Rate Reducing Rate
ADIB - Education Finance for UAE Nationals ADIB - Education Finance for UAE Nationals Minimum Salary: AED 8,000 Salary Transfer: Yes Islamic Finance: Yes Maximum Term: 4 Years Flat Rate: 3.72% Reducing Rate: 6.75%
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​​​Looking to give your kids the best? Planning to increase your professional knowledge? ADIB Education Finance is designed to take the stress out of learning. You can use to finance primary, secondary or university education.​​​
  • Finance amounts up to AED 250, 000
  • Competitive profit rates
  • Flexible Repayment Terms
  • 100% processing fee w​aiver​
  • Up to 120-days instalment holiday for the first payment
  • Up to 2 instalment postponements in a year
  • Enjoy pace of mind with personal finance takaful coverage for the outstanding balance up to 250,000
Documents Required
  • Original and copy of valid passport (with valid residence visa for expatriates)
  • Original and copy of valid Emirates ID
  • Bank account statement (last 3 months)​​​​​
  • Quotation from School / University addressed to ADIB (As per ADIB's format)​​
  • Age Criteria 21-60 years
Additional Information
  • The arrangement fee is 1% of the finance amount (min AED 500 and Max AED 2,500).
  • Takaful cover is 1.25% of the finance amount. Takaful is optional.
  • The early settlement fee is applied as per UAE Central Bank policy, which is 1% of the outstanding amount (principal + profit) to date, or AED 10,000, whichever is lower. The bank has the discretion to waive any or all of the total outstanding profit.
** Calculator Definitions
Amount: The total amount of money borrowed, also referred to as the principal amount.
Rate (%): This is the annual interest rate on the product which is equivalent to 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
CBD Absher Personal Finance
Minimum Salary
AED 8000
Flat Rate