Key facts (summary)
- Loan amounts: AED 5,000 – AED 1,000,000
- Loan terms: 6 – 48 months
- Profit rate: From 6.49% to 13.49% per annum on a reducing balance basis, reflecting the total yearly cost of credit.
- Minimum income: AED 5,000
- Fees note: Additional charges may apply, such as early settlement, processing, late payment, or insurance. Please check 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)، ويمثل التكلفة السنوية الإجمالية للقرض.
الحد الأدنى للدخل: 5,000 درهم إماراتي
ملاحظة بشأن الرسوم: قد تُطبق رسوم إضافية مثل الدفع المسبق، المعالجة، التأخير، أو التأمين. يُرجى الاطلاع على جدول الرسوم الرسمي.
Pros
- Quick digital process: Apply online or through the mobile app without paperwork.
- Flexible durations: Select repayment terms from 6 to 48 months.
- Attractive starting rates: Profit rates from 6.49%.
- Convenient access: Apply from anywhere via the mobile platform.
- Reward points: Earn 150 TouchPoints per AED 1,000 borrowed.
Cons
- Processing cost: 1.05% of the loan amount is charged upfront.
- Optional insurance fee: Life insurance, if chosen, has a one-time cost.
Why choose the ADCB Personal Loan for Expatriates?
- Mashreq Bank: Starts at 7.99% profit rate, with terms from 12 to 60 months.
- Emirates NBD: Offers AED 5,000–AED 500,000 loans with rates from 7% to 14%.
- FAB: From 6.99% profit rate, with terms of 12 to 48 months.
- RAKBANK: Starts at 6.5%, with terms from 6 to 60 months.
- HSBC: From 8.9%, with repayment periods from 12 to 48 months.
Sources: Official bank websites; verified on 8 August 2025.
How to apply for your Personal Loan for Expatriates
Submit your request via ADCB’s website, mobile app, or by visiting a branch.
Disclaimer
This information is provided for reference only and is not issued or endorsed by ADCB. Terms, fees, and profit rates may change and are subject to regulatory approval. Always check the bank’s official website and Key Facts Statement for the latest details.
إخلاء مسؤولية
هذا المحتوى لأغراض إعلامية فقط وليس صادراً أو معتمداً من ADCB. جميع الشروط والأسعار والرسوم عرضة للتغيير والموافقة التنظيمية. يُرجى الرجوع إلى الموقع الرسمي للبنك وبيان الحقائق الأساسية للحصول على أحدث المعلومات.