Minimum Salary Salary Transfer Islamic Finance Maximum Term Flat Rate Reducing Rate
ADIB - Debt Settlement for Expats ADIB - Debt Settlement for Expats Minimum Salary: AED 5,000 Salary Transfer: Yes Islamic Finance: Yes Maximum Term: 4 Years Flat Rate: 3.18% Reducing Rate: 5.49%
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Reduce your installments and enjoy life more!

With ADIB Debt Settlement you can consolidate your loans and credit card payments for lower monthly installments... to help you save more money and live a more balanced financial life.
Features
  • Flexible repayment options
  • High finance amount
  • No installment for the first three months
  • Free cashback covered card for the first year
  • Option to postpone two payment per year (for free).
Eligibility
  • Age criteria - 21-60 years
Additional Information
  • Takaful cover is 1.25% of the finance amount. Takaful is optional.
  • 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.
** 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
Dubai Islamic Bank - Sukuk Finance Expats
Minimum Salary
AED 5000
Flat Rate
4.99%
RAKBANK - Personal Loan
Minimum Salary
AED 3000
Flat Rate
3.85%
Finance House - Executive Finance
Minimum Salary
AED 8000
Flat Rate
5.45%
Simplylife - Salary Transfer Loans
Minimum Salary
AED 5000
Flat Rate
4.17%