ADIB Personal Finance for UAE Nationals

    Min SalaryAED 8,000
    Salary TransferYes
    Max Finance AmountAED 3,000,000
    Arrangement Fee1%
    Flat Rate (est. equivalent)From 3.72% p.a.
    Reducing Rate (As Advertised)From 6.75% 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 6.75% 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 6.75% and the equivalent flat rate is 3.72%. 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..

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