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ADCB Salam Personal Finance for Expats

    Min SalaryAED 5,000
    Salary TransferYes
    Max Finance AmountAED 1,500,000
    Arrangement Fee1%
    Flat Rate (est. equivalent)From 3.45% p.a.
    Reducing Rate (As Advertised)From 6.25% p.a.
    Early Settlement Fee1%



    • The maximum amount of finance offered is AED 1,500,000. Finance repayment up to 48 months.


    • This finance is Shariah-compliant.
    • Finance repayment period is up to 48 months.
    • You require a minimum salary of AED 5,000 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 and Privilege customers and 0.5% 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.
    • The Takaful fee for Aspire and Privilege customers is 1% of the finance amount and 0.5% of the finance amount for Excellency customers.
    • Finance repayment period is up to 48 months; The rate for salary from AED 5,000 to AED 7,999 is 12.99%; the rate for salary from AED 8,000 to AED 11,999 is 10.75%; the rate for salary from AED 12,000 to AED 14,999 is 8.75%; the rate for salary of AED 15,000 to AED 19,999 is 7.75% and above AED 20,000 is 6.99%. For Privilege customers the rate is 6.75% and for Excellency customers the rate is 6.25%. All rates are calculated on reducing balance.
    • The reducing rate of this finance is 6.25% and the equivalent flat rate is 3.45%. The calculation used is a division of the reducing rate by 1.814 and this is indicative only.

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