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Special loans for UAE nationals

Personal loans for Emiratis of up to AED 5 million.


  • 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 (Arab Emirates Dirham) 7,000 minimum monthly salary, Loans up to AED 5 million From 3.79% variable rate per year

Personal loans up to Arab Emirate Dirhams (AED) 5 million for UAE nationals with flexible repayment terms of up to 48 months (or up to 60 months for employees of the Ministry of Defense)

Up to 150 days grace period before the first repayment

Competitive interest rates

Hassle-free documentation

Fast & easy approvals

Comprehensive personal life insurance coverage

A minimum monthly salary of AED 7,000

Employed with a governmental, semi-governmental or reputable 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% variable rate:
  • Working in a company approved by FAB with their salary transferred to a FAB bank account 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

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

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

Salary transfer letter/salary certificate addressed to FAB

Liability letter or a clearance letter (in case of buyout loans)

Signed and completed application

Terms and conditions apply.

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

Indicative Loan Calculator

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Representative example

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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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