ADCB Smart Finance

    Min SalaryAED 5,000
    Max Finance AmountAED 200,000
    Arrangement Fee1%
    Flat Rate (est. equivalent)From 5.51% p.a.
    Reducing Rate (As Advertised)From 10% p.a.
    Early Settlement Fee1%



    • Finance repayment up to 48 months
    • Non salary transfer finance.


    • 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 not a requirement to transfer your salary to apply
    • The processing fee is 1% of the finance amount [Min AED 500; Max AED 2,500] for salaried customers, for self employed customer there is no max amount
    • 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 is 0.75% of loan amount.
    • Finance repayment period is up to 48 months; Rate is calculated on reducing balance and can vary between 10% to 26%.
    • The reducing rate of this finance is 10% and the equivalent flat rate is 5.51%. The calculation used is a division of the reducing rate by 1.814 and this is indicative only

    ADCB - Dubaisavers

    More on ADCB 

    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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