- Loan amounts: AED 5,000 – AED 1,000,000
- Loan terms: 6 – 48 months
- Profit rate: Between 6.49% and 13.49% annually on a reducing balance basis, representing the full yearly cost of borrowing.
- Minimum income: AED 5,000
- Fees note: Possible extra charges include early repayment, processing fees, late payment penalties, and insurance. Refer to the official fee schedule.
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 الكاملة للاقتراض.
الحد الأدنى للدخل: 5,000 درهم إماراتي
ملاحظة بشأن الرسوم: قد يتم تطبيق رسوم إضافية، مثل السداد المبكر، أو المعالجة، أو التأخير، أو التأمين. يرجى الاطلاع على جدول الرسوم الرسمي.
Pros
- Simple application: No paperwork needed when applying online or via the app.
- Multiple repayment choices: Terms from 6 to 48 months available.
- Competitive starting rates: Beginning at 6.49%.
- Mobile-first convenience: Apply from anywhere at any time.
- Extra rewards: Receive 150 TouchPoints per AED 1,000 financed.
Cons
- Processing fee: 1.05% of the loan amount upfront.
- Insurance cost: Optional life insurance comes with a one-off charge.
Why choose the ADCB Personal Loan for Expatriates?
- Mashreq Bank: Profit rates from 7.99%, terms 12–60 months.
- Emirates NBD: AED 5,000–AED 500,000 loans, profit rates 7%–14%.
- FAB: From 6.99%, terms 12–48 months.
- RAKBANK: Starts at 6.5%, with 6–60 month terms.
- HSBC: From 8.9%, with 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 complete your application via ADCB’s official site, through the mobile app, or in person at any branch.
Disclaimer
This content is for general information only and is neither issued nor endorsed by ADCB. All conditions, rates, and fees can change and require regulatory approval. Always verify on the bank’s official site and Key Facts Statement.
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.