ADCB Islamic Banking Personal Finance For UAE Nationals

    Min SalaryAED 10,000
    Salary TransferYes
    Max Finance AmountAED 4,000,000
    Arrangement Fee1%
    Flat Rate (est. equivalent)2.75% p.a.
    Reducing Rate (As Advertised)4.99% p.a.
    Early Settlement Fee1%



    • Finance repayment up to 48 months
    • The maximum amount of finance offered is AED 4,000,000.


    • This finance is Shariah-compliant.
    • Finance repayment period is up to 48 months.
    • You require a minimum salary of AED 10,000 per month to be eligible.
    • It is a requirement to transfer your salary to apply
    • The processing fee is 1% of the finance amount for Aspire customers and Privilege customers and 0.50% for Excellency customers. [Min AED 500; Max AED 2,500].
    • The early settlement fee for this finance is 1% of the outstanding amount (principal + profit) to date. All other outstanding profit is waived.
    • Takaful fee for Aspire and Privilege customers is 1% of the finance amount and 0.5% for Excellency customers.
    • Finance repayment period is up to 48 months; The profit rate is 4.99% applied for all customers with salary above AED 5000 across all segments Aspire, Privilege and Excellency. All rates are calculated on reducing balance.
    • The reducing rate of this finance is 4.99% and the equivalent flat rate is 2.75%. The calculation used is a division of the reducing rate by 1.814 and this is indicative only.

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    ADCB is a full-service commercial bank offering a wide range of products and services such as retail banking, wealth management, private banking, corporate banking, commercial banking, cash management, investment banking, corporate finance, … see more..

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