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ADIB Debt Settlement for UAE Nationals

  •   June 29, 2017

Min Salary AED 8,000
Salary Transfer Yes
Max Finance Amount AED 3,000,000
Arrangement Fee N/A
Reducing/Flat Reducing
Flat Rate (est. equivalent) From 3.45% p.a.
Reducing Rate (As Advertised) From 6.25% p.a.
Early Settlement Fee 1%



  • Flexible repayment options, High finance amount, No installment for the first three months, Free ADIB Visa Cashback card for the first year, Option to postpone two payment per year (for free).


  • This finance is sharia-compliant.
  • Finance repayment period is up to 48 months.
  • You require a minimum salary of AED 8,000 per month to be eligible.
  • It is a requirement to transfer your salary to apply.
  • The early settlement fee is applied as per UAE Central Bank policy, which is 1% of the outstanding amount (principal + profit) to date, or AED 10,000, whichever is lower. The bank has the discretion to waive any or all of the total outstanding profit.
  • Takaful cover is 1.25% of the finance amount. Takaful is optional
  • The rate is 6.25% calculated on a reducing balance. The rate varies depending on customer salary and whether the salary is transferred to the bank or not.
  • 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.
  • This rate is calculated on a reducing balance

ADIB Debt Settlement for UAE Nationals
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