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National Loans Scheme (NLS)

Developed by the Central Bank of the UAE to ease the debt burden of UAE nationals.


  • 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

The National Loans Scheme (NLS) was developed by the Central Bank of the UAE, in consultation with UAE Banks Federation and national banks to reduce the debt burden of the UAE Nationals. The bank is committed to reduce the debt burden of UAE Nationals, who have loans originated prior to May 2011, and at present their installments exceed 50% of salary/income and their tenor is more than 48 months.

Bank would be contacting the eligible customers who meet the NLS eligibility criteria

Origination date of the loan should be prior to May 2011 and remaining loan tenor should be more than four years

Debt Burden Ration (DBR) should be greater than 50% for regular customers and greater than 30% for pensioners

Customer’s consent for participation in the NLS scheme

The customer undertakes not to seek any loans or credit facilities from any bank or financial institution during the period of repayment

The customer agrees to cancel all credit cards issued by the bank, other banks and financial institutions

Interest rate / profit rate to be reduced to 3 Month Emirates Interbank Offered Rate (EIBOR)*. National Loans Scheme interest rates/ profit rate are subject to change twice a year at the beginning of each January and July.

*Present rate of 5.22456% (As of 1st July 2023). This may vary as a result of fluctuations in EIBOR published by the Central Bank of the UAE

Terms and conditions apply.

To know more, please contact us on 600 525500.

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