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: 2.85% Reducing Rate: 5.22%
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This Ramadan, Emirates Islamic brings you Personal finance options for all your needs. From higher education fees to planning your dream wedding, we have you covered with Personal Financing plans. Enjoy attractive profit rates, free Takaful coverage and more.

Turn your dreams into reality with Emirates Islamic Personal Finance from 2.85% flat p.a.*


  • Profit rates for expatriates starting from 2.85% flat p.a. (approximately equivalent to 5.22% reducing p.a.).
  • Free Takaful Coverage.
  • Payment holiday up to 3 months.
  • Finance amounts up to AED 2 million.

Terms and conditions apply
Offer valid till 30 April 2024.
Documents Required
  • Completed application form
  • Your passport along with a verified UAE residence visa (both original and copies required)
  • Recent bank statements (for at least the last 3 months)
  • Salary transfer letter or salary certificate - required for salaried customers
  • Liability letter (required in buyout cases)
  • Trade license (for self-employed individuals)
  • A form to open an account to trade shares
  • Minimum monthly salary - AED 10,000
  • Minimum age requirement - 21 years
  • Length of employment - at least 6 months
  • Maximum age requirement - 60 years at the time of maturity
** Calculator Definitions
Amount: The total amount of money borrowed, also referred to as the principal amount.
Rate (%): This is the annual profit 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 profit 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 profit rates and fee structures.
Representative Example Calculator
CBD Absher Personal Finance
Minimum Salary
AED 8000
Flat Rate