Product Income Requirements

• Minimum salary of AED 10K per month for expats.
• Loan options available for both salaried and self-employed applicants.

Documents Required – Uploadable Online to Holo

Identification:

• Passport
• Visa
• Emirates ID

Employment Details (For Salaried Applicants):

• Original salary letter containing name, nationality, passport number, start date, designation, and basic income.
• Latest 6 months’ pay slips (originals or company-stamped copies).

Bank Documents – Salaried Applicants:

• 6 months of personal bank statements.
• Latest credit card statement.
• Most recent personal or car loan statement.

Self-Employed Documents:

• Trade license.
• Memorandum of Understanding (MOU).
• Articles of Association (AOA).
• 2 years of audited financials (if available).

Bank Documents – Self-Employed Applicants:

• 6 months of business bank statements.
• Listed liabilities of the company.

Supporting Documents (If Required):

• Details of large or recurring monthly debits from your salary account (e.g., insurance, savings plans, regular transfers to other UAE or overseas accounts).
• Company website or profile on company letterhead if your employer is not a multinational.
• If employed for less than 1 year, a letter or proof from your previous employer detailing the length of service.
• Free zone identification card, if working in a free zone.
• Proof of deposit source.
• Passport and visa copies of spouse (if applying jointly).
• Emirates ID of spouse (front and back copies) if applying jointly.
• Attested marriage certificate (unless the husband sponsors the wife on a visa) if applying jointly.
• Full documentation for both applicants if joint income is being considered for loan eligibility.