Minimum Salary Salary Transfer Islamic Finance Maximum Term Flat Rate Reducing Rate
Commercial Bank International - Personal Loan Commercial Bank International - Personal Loan Minimum Salary: AED 8,000 Salary Transfer: Yes Islamic Finance: No Maximum Term: 4 Years Flat Rate: 2.61% Reducing Rate: 4.75%
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Turn your dreams into reality with a CBI Personal Loan. We believe that borrowing should be made simple.
  • Interest rates starting from 5% p.a.
  • Loan amounts that suit your needs.
  • Up to 20 salary multiples.
  • Award winning Credit Card.
  • Simple documentation and fast processing.
  • Insurance Coverage For Death and Permanent Total Disability
Documents Required
  • Completed application form.
  • Copy of valid passport with valid UAE residence visa for Expatriates (original required for verification).
  • Copy of a valid Emirates ID.
  • Last 6 months bank statement.
  • Salary transfer letter.
  • Liability or clearance letter (for buyout cases).
  • Original salary certificate.
Additional Information
  • Applicable only on loan amounts of AED 100,000 and more for New to Bank customers. Existing CBI Customers are also eligible but only for Top-ups of AED 100,000 and more
Fees & Charges:
  • 1% Processing Fees, 1% Early Settlement Fees, 1.50% Insurance Fees
  • The rate is calculated on a reducing balance. It varies depending on salary and whether company is listed with the bank.The interest rate starts at 4.75% and depends on your salary and length of service.
  • The reducing rate of this finance is 4.75% and the equivalent flat rate is 2.61%. The calculation used is a division of the reducing rate by 1.814 and this is indicative only.
Promotion Feature:
  • Get rewarded with a travel voucher equal to 1% of loan amount (* Maximum Value AED 2500)
Eligibility Criteria:
  • Minimum loan amount for reward AED 100,000
  • Personal Loan and Platinum Credit Card to be applied for eligibility
  • If customer applies only for a Personal Loan, customer is eligible for travel voucher equal to 0.5% of loan amount* (* Maximum Value AED 2500)
** 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.
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