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ADCB Personal Loan for UAE Nationals

  •   June 28, 2017

Min Salary AED 10,000
Salary Transfer Yes
Max Finance Amount AED 4,000,000
Arrangement Fee 0.75%
Reducing/Flat Reducing
Flat Rate (est. equivalent) 2.75% p.a.
Reducing Rate (As Advertised) 4.99% p.a.
Early Settlement Fee 1%



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


  • Loan 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 0.75% of the loan amount for Aspire customers, 0.5% for Privilege customers and 0.25% 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.
  • Insurance fee for Aspire customers is 0.75% of the loan amount and 0.5% for Privilege and Excellency customers.
  • Loan repayment period is up to 48 months; The interest 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.

ADCB Personal Loan for UAE Nationals
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