Minimum Salary Salary Transfer Islamic Finance Maximum Term Flat Rate Reducing Rate
ADCB Islamic Banking - Personal Finance for UAE Nationals ADCB Islamic Banking - Personal Finance for UAE Nationals Minimum Salary: AED 5,000 Salary Transfer: Yes Islamic Finance: Yes Maximum Term: 4 Years Flat Rate: 2.75% Reducing Rate: 4.99%
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Transfer your salary and avail a Personal Finance with ADCB for 4.99% p.a only. Exclusively for UAE Nationals

Exclusively for UAE Nationals: Receive an Auto Finance at 0.99% flat rate p.a. when you sign up for a Personal Finance at 4.99% p.a.

T&C’s apply

Features
  • Reducing Balance starting from as low as 5.25% p.a.
  • Flexible repayment periods of up to 48 months
  • Quick and simple approval process
Documents Required
  • Completed Personal Finance application form
  • 3 months’ bank statements
  • One Security Cheque (waived for UAE Nationals)
  • Salary transfer letter
  • Liability letter (in case of take-over finances)
Additional Information
Fees and Charges:
  • Processing fee - Aspire (1%), Privilege (0.5%), Excellency (0.25%)
  • Insurance Fee - Aspire (0.75%), Privilege & Excellency (0.5%)
  • Early Settlement Fee - 1% of the finance outstanding for all segments
** Calculator Definitions
Amount: The total amount of money borrowed, also referred to as the principal amount.
Rate (%): This is the annual interest flat rate on the product. This is not the APR, which is going to be calculated in this example.
Years: This is the original term or length of the product, stated in years.
Effective Monthly Payment: This is the effective monthly payment, which takes into consideration fees and other costs associated with this product. The effective monthly payment is the basis for the APR calculation.
Calculated Annual Percentage Rate (%): The calculated Annual Percentage Rate(APR) is determined using the annual interest rate on the product plus fees and other costs. The APR is useful when comparing two or more products with different interest rates and fee structures.
Representative Example Calculator
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