Key facts (summary)
- Loan amounts: AED 5,000 – AED 1,000,000
- Loan terms: 6 – 48 months
- Profit rate: 6.49% – 13.49% per annum on a reducing balance basis. The profit rate represents the total yearly cost of credit.
- Minimum income: AED 5,000
- Fees note: Other charges may apply (e.g., early settlement, processing, late payment, insurance). Refer to the official schedule of charges.
معلومات أساسية (ملخص)
مبلغ القرض: 5,000 – 1,000,000 درهم إماراتي
مدة القرض: 6 – 48 شهراً
معدل الربح: 6.49% – 13.49% سنوياً (رصيد متناقص). يمثل معدل الربح التكلفة السنوية الإجمالية للقرض.
الحد الأدنى للدخل: 5,000 درهم إماراتي
ملاحظة بشأن الرسوم: قد تُطبق رسوم إضافية، مثل رسوم الدفع المسبق، ورسوم المعالجة، ورسوم التأخير، أو رسوم التأمين. يُرجى الاطلاع على جدول الرسوم الرسمي.
Pros
- Fast application process: Apply online or via mobile app, no paperwork needed.
- Flexible loan terms: Choose from 6 to 48 months.
- Competitive profit rates: Starting from 6.49%.
- Digital convenience: Apply from anywhere through the mobile app.
- Bonus points: Earn 150 TouchPoints for every AED 1,000 loan amount.
Cons
- Processing fee applies: 1.05% of the loan amount is charged upfront.
- Additional insurance fees: If selected, a one-time fee applies for life insurance.
Why choose Personal Loan for Expatriates from ADCB?
- Mashreq Bank: Personal loans starting from 7.99% profit rate, with flexible terms of 12 to 60 months.
- Emirates NBD: Offers personal loans from AED 5,000 to AED 500,000, with profit rates ranging from 7% to 14%.
- FAB: Competitive profit rates starting from 6.99% with loan terms from 12 to 48 months.
- RAKBANK: Personal loans with profit rates starting at 6.5%, with loan terms from 6 to 60 months.
- HSBC: Provides personal loans with profit rates from 8.9%, offering terms from 12 to 48 months.
Sources: Official bank websites; verified on 8 August 2025.
How to apply for your Personal Loan for Expatriates
You can apply for the ADCB Personal Loan through the official website, mobile app, or by visiting an ADCB branch.
Disclaimer
This content is for informational purposes only and is not issued or endorsed by ADCB. All terms, rates, and fees are subject to change and regulatory approval. Please refer to the bank’s official website and Key Facts Statement for the most accurate and updated information.
إخلاء مسؤولية
هذا المحتوى لأغراض إعلامية فقط وليس صادراً أو معتمداً من ADCB. جميع الشروط والأسعار والرسوم عرضة للتغيير والموافقة التنظيمية. يرجى الرجوع إلى الموقع الرسمي للبنك وبيان الحقائق الأساسية للحصول على المعلومات الدقيقة والمحدثة.