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The FAB Advantage

Move your loans to FAB with the Buyout Loan and enjoy additional funds and attractive interest rates.


  • You may have to pay penalties if you pay off a loan/financing early
  • If you do not meet the repayments/payments on your loan/financing, your account will go into arrears. This may affect your credit rating, which may limit your ability to access financing in the future
  • Refinancing your loans/financing may take longer to pay off than your previous loan/financing and may result in paying more In interest/profit
FEATURES AED 7,000 minimum monthly salary, Loans up to AED 5 million for UAE nationals and 2 million for Expats, Competitive interest rates

Loans up to AED 5 million for UAE nationals and AED 2 million for expats

Flexible repayment terms of up to 48 months (or up to 60 months for employees of the Ministry of Defense)

Interest rates from *5.95% variable for Emiratis and *6.95% variable for Expats

Up to 150 days grace period for Emiratis and up to 90 days grace period for Expats before the first repayment

A minimum monthly salary of AED 7,000

Employed with a governmental, semi-governmental or legitimate private organisation

Applicants must be 21+ years old

Completed a minimum of 6 months service or confirmed in employment with your current employer

Criteria to be met for 5.95% (UAE Nationals) and 6.95% (Expatriates) variable rate:
  • Working in a company approved by FAB with their salary transferred to a FAB bank account and with a minimum monthly salary of AED 7,000
  • This is a Variable Interest Rate Loan linked to Personal Loan Base Rate (PBR)
  • The applicable rate may vary based on other factors including income, credit bureau score and approval criteria
  • All interest rates quoted are effective rates on the outstanding loan balance

Liability letter or a clearance letter

Copy of a valid passport/resident visa/Emirates ID(Originals must also be presented)

Salary transfer letter/salary certificate addressed to FAB

Bank statements for the last three months showing salary credits (if salary is not credited to a FAB account)

Signed and completed application

Terms and conditions apply.

*All interest rates quoted are effective rates on loan outstanding balance

Indicative Loan Calculator

Just enter your monthly income and expenses for each category and the calculator will do the rest.


Representative example

Monthly repayment

Total repayable

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Additional one-time upfront processing fee of 1.05% will apply on the loan amount (minimum AED 525 and maximum AED 2,625). A life insurance fee may apply. For further information on fees and charges, please refer to the service and price guide.

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We are currently experiencing higher call volumes than usual. We encourage you to use the FAB Mobile application and check our Frequently Asked Questions (FAQs) page.



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