ADIB Personal Finance for Expats

  •   Deal Expired
Min SalaryAED 8,000
Salary TransferYes
Max Finance AmountAED 1,000,000
Arrangement Fee1%
Flat Rate (est. equivalent)From 3.85% p.a.
Reducing Rate (As Advertised)From 6.99% p.a.
Early Settlement Fee1%



  • First installment holiday period of up to 90 days
  • Free Visa Cashback Card
  • Up to two free installment postponements every year
  • Optional Takaful protection scheme to cover the entire outstanding against death and permanent total disability


  • 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 arrangement fee is 1% of the finance amount (min AED 500 and Max AED 2,500).
  • 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 6.99% 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 6.99% and the equivalent flat rate is 3.85%. 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 - Dubaisavers

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Abu Dhabi Islamic Bank was established on 20th May 1997 as a Public Joint Stock Company through the Amiri Decree No. 9 of 1997. The Bank commenced commercial operations on 11th November … see more..