Minimum Salary Salary Transfer Islamic Finance Maximum Term Flat Rate Reducing Rate
Emirates Islamic - Personal Finance for Expats - 4 years Tenure Emirates Islamic - Personal Finance for Expats - 4 years Tenure Minimum Salary: AED 5,000 Salary Transfer: Yes Islamic Finance: Yes Maximum Term: 4 Years Flat Rate: 3.39% Reducing Rate: 6.1%
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Emirates Islamic presents you with the opportunity to enjoy more from life with our personal finance solutions. Personal Finance is based on a Murabaha arrangement through trading of Sharia's compliant instruments like Shares or Wakala Certificates. 

  • For a limited time only, get 100,000 complimentary EI SmartMiles worth AED 10,000 when you get Personal Finance for AED 1,000,000 and above
  • Pre approved credit card
  • Free of the annual fee for the first year
  • Choice of immediate or deferred sale of shares or certificates.
  • This finance is sharia-compliant.
** 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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