COMPARE 70+ PERSONAL LOANS

Features

• Interest Rates: Competitive
• Repayment Tenure: Up to 4 years
• Loan Amount: Up to AED 730,000
• Buyout Facility: Available
• Grace Period: Up to 90 days
• Processing Time: Quick
• Support: Dedicated Sales Team
• Additional Tool: Loan Calculator

Features

• Interest Rate: Starting from 2.7%
• Maximum Tenure: Up to 4 years
• Early Settlement Charges: 1% of the outstanding amount, capped at AED 10,000

Features

• Compliance: Shariah-compliant
• Finance Amount: High finance amounts available
• Rates: Competitive rates
• Tenure: Payment tenure of up to one year
• Down Payment: No down payment required

Features

• Compliance: Shariah-compliant
• Finance Amount: High finance amounts available
• Rates: Competitive rates
• Tenure: Payment tenure of up to one year
• Down Payment: No down payment required

Commodity Murabaha (Tawarruq) Features

• Purpose: Consolidate and settle liabilities with other UAE banks
• Profit Rates:
  • UAE Nationals: 3% (flat p.a.)
  • Expatriates: 3.05% (flat p.a.)
• Eligibility Requirements:
  • Minimum salary of AED 5,000
  • Valid passport
  • Residence visa page (if applicable)
  • Latest 6 months’ bank statements
  • Liability letter(s) from the other bank
  • Any additional documentation as per Al Hilal Bank’s policies and procedures

Features

• Compliance: Shariah-compliant finance
• Finance Amount: High finance amounts available
• Rates: Competitive rates
• Tenure: Payment tenure of up to one year
• Down Payment: No down payment required

Features

• Compliance: Shariah-compliant finance
• Finance Amount: High finance amounts available
• Rates: Competitive rates
• Tenure: Payment tenure of up to one year
• Down Payment: No down payment required

Features

• Compliance: Shariah-compliant finance
• Finance Amount: High finance amounts available
• Rates: Competitive rates
• Tenure: Payment tenure of up to one year
• Down Payment: No down payment required

Sukuk Finance Features

• Profit Rates:
  • For UAE Nationals: From 3% (flat p.a.)
  • For Expatriates: From 3.05% (flat p.a.)
• Eligibility:
  • Minimum Salary: AED 5,000
  • Documents Required:
    • Valid passport
    • Residence visa page (as applicable)
    • Latest 6 months’ bank statements
    • Any additional documentation as required by Al Hilal Bank policies and procedures

• Minimum Salary: AED 10,000
• Maximum Finance Amount: Up to AED 4.5 Million
• Length of Services: Confirmation of Job required
• Maximum Finance Tenure: 4 years
• Salary Multiples: Up to 20 times the salary

Features:

• Minimum Salary:
  • With Salary Transfer: AED 7,000
  • Without Salary Transfer: AED 10,000
• Maximum Finance Amount:
  • With Salary Transfer: Up to AED 1.5 Million
  • Without Salary Transfer: Up to AED 350,000
• Maximum Finance Tenure:
  • Up to 4 years for standard finance
• Length of Services:
  • Confirmation of Job required

• Finance Limits:
  • Up to AED 3,000,000 for UAE Nationals
  • Up to AED 1,000,000 for Expatriates
• Eligibility:
  • Minimum Salary: AED 6,500 for Expatriates & AED 8,000 for UAE Nationals
  • Repayment Tenor: Up to 4 years
• Benefits:
  • Simple Documentation
  • Quick Processing
  • Pre-Approved Credit Card with Lifestyle Benefits

Features

• Flexible Repayment Options: Choose a repayment plan that suits your financial needs.
• High Finance Amount: Significant loan amounts available.
• No Installment for the First Three Months: Initial three months without payments.
• Free Cashback Credit Card for the First Year: Complimentary cashback card during the first year.
• Option to Postpone Two Payments Per Year (Free): Ability to defer two payments annually without cost.

Features

• Flexible Repayment Options: Choose a repayment plan that suits your financial needs.
• High Finance Amount: Significant loan amounts available.
• No Installment for the First Three Months: Initial three months without payments.
• Free Cashback Credit Card for the First Year: Complimentary cashback card during the first year.
• Option to Postpone Two Payments Per Year (Free): Ability to defer two payments annually without cost.

Features

• Free Pre-Approved ADIB VISA Cashback Card: Complimentary card upon loan approval.
• First Installment Payment Grace Period: Up to 90 days before your first payment is due.
• Two Free Installments Postponements Annually: Ability to defer two installments each year without penalty.
• Takaful Cover Protection: Sharia-compliant insurance coverage with competitive rates.

Personal Finance Options This Ramadan with Emirates Islamic

Emirates Islamic offers comprehensive personal financing options this Ramadan to cater to all your needs, from covering higher education fees to planning your dream wedding. Benefit from attractive profit rates, complimentary Takaful coverage, and more.

Key Benefits:

• Attractive Profit Rates: Starting from 2.85% flat per annum for expatriates (equivalent to approximately 5.22% reducing per annum).
• Complimentary Takaful Coverage: Enjoy free insurance coverage.
• Payment Holiday: Benefit from up to 3 months’ deferred payments.
• Flexible Finance Amounts: Finance amounts available up to AED 2 million.
• Offer Validity: Available until April 30, 2024.
• Terms and Conditions Apply: Please check the bank’s terms for more details.

Required Documents:

• Completed application form
• Valid passport and UAE residence visa (both original and copies)
• Recent bank statements (last 3 months)
• Salary transfer letter or salary certificate (for salaried individuals)
• Liability letter (for buyout cases)
• Trade license (for self-employed individuals)
• Account opening form for trading shares

Eligibility Criteria:

• Minimum Monthly Salary: AED 10,000
• Minimum Age: 21 years
• Length of Employment: At least 6 months
• Maximum Age: 60 years at the time of loan maturity

Turn your dreams into reality with Emirates Islamic Personal Finance this Ramadan!

Personal Finance Options for Ramadan with Emirates Islamic

This Ramadan, Emirates Islamic offers tailored personal financing solutions for all your needs, whether it’s funding higher education or planning your dream wedding. Take advantage of competitive profit rates and complimentary Takaful coverage.

Key Benefits:

• Attractive Profit Rates: Starting from 2.59% flat per annum (roughly 4.74% reducing per annum).
• Complimentary Takaful Coverage: Free coverage to protect you and your family.
• Payment Holiday: Enjoy up to 4 months of deferred payments.
• Flexible Finance Amounts: Obtain financing of up to AED 4 million.
• Offer Validity: Available until April 30, 2024.

Required Documents:

• Completed bank application form
• Valid passport of the applicant
• Valid UAE resident visa (for expatriates)
• Latest 3 months’ bank statements showing salary deposits
• Salary transfer letter or salary certificate (for salaried individuals)
• Liability letter (for buyout scenarios only)
• Trade license (for self-employed individuals)

Eligibility Criteria:

• Minimum Monthly Salary: AED 10,000
• Minimum Age: 21 years
• Employment Length: 1 month or first salary deposited into Emirates Islamic account
• Maximum Age: 65 years at loan maturity