Minimum Salary Salary Transfer Islamic Finance Maximum Term Flat Rate Reducing Rate
Samba - Non Salary Transfer Loans Samba - Non Salary Transfer Loans Minimum Salary: AED 10,000 Salary Transfer: No Islamic Finance: No Maximum Term: 4 Years Flat Rate: 0.0% Reducing Rate: 0.0%
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Features
  • Loan amounts of up to AED 125,000
  • Convenient repayment periods of up to 48 months
  • Attractive interest rates
  • No collateral or guarantor required
  • Life Insurance up to loan amount
Documents Required
  • Copy of valid passport (with valid residence visa for expatriates)
  • Proof of income
  • Copy of valid Emirates ID
Eligibility
  • Salaried employees (Monthly income of at least AED 10,000)
** 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
CBD Absher Personal Finance
Minimum Salary
AED 8000
Flat Rate
2.45%
Emirates Islamic - Personal Finance
Minimum Salary
AED 10000
Flat Rate
3.99%
Citibank - Personal Instalment Loan
Minimum Salary
AED 8000
Flat Rate
-