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Minimum Salary Salary Transfer Islamic Finance Maximum Term Flat Rate Reducing Rate
Union National Bank  - Personal Loan for UAE Nationals Union National Bank - Personal Loan for UAE Nationals Minimum Salary: AED 10,000 Salary Transfer: Yes Islamic Finance: No Maximum Term: 0 Years Flat Rate: 2.36% Reducing Rate: 5.19%
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You have always looked for a personal loan that suits your requirements, now you can make your wishes come true. Apply for the special loan where you can choose the terms and benefits yourself with competitive rate of interest. Our Personal Loans for UAE Nationals* can allow you to reduce your monthly payments with very attractive terms.
Features
  • Competitive interest rates starting at 5.19% per annum
  • High loan amount
  • Flexible repayment period based on loan type
  • Consolidate all your debts in one payment
  • Possibility to pay first instalment after three months
  • Up to four instalment postponements per year
  • No annual Credit Card fees
Documents Required
  • An original salary certificate
  • Original bank statement for the last 6 months of the account into which your salary is paid
  • National ID and Passport copy
  • Salary Transfer Letter from your employer (in our required format)
Eligibility
  • UAE nationals
  • Earning at least AED 10,000 per month
  • Working in a Government, semi-Government or approved private employer
Additional Information

Terms & conditions apply

  • Minimum salaries range from AED 10,000 to AED 20,000, depending on the applicant's employer.
  • Minimum length of service is 3 months (or confirmation), however for consolidation of your debt, the minimum length of service is 1 year.
  • The applicant must be employed by a UNB-approved company.
  • The bank reserves the right to change the interest rates, fees & tariffs, charges and terms & conditions at its own discretion, without any prior notice.
  • Approval of loans is at the discretion of the bank.
  • All fees and charges are in line with the UAE Central Bank policies.
** 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 on the product plus fees and other costs. The APR is useful when comparing two or more products with different interest rates and fee structures.
Representative Example Calculator
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Commercial Bank International - Personal Loan
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Emirates NBD - Salary Transfer Personal Loans for Expatriates
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