Check Eligibility for Emirates NBD
Personal Loan

You are eligible to apply for a Emirates NBD
Personal Loan .

You may not be eligible * to apply.

* Minimum salary AED 5000 required to apply for a Emirates NBD Personal Loan .

Click here to check loans from other banks.

Emirates NBD Personal Loan Calculator

Personal Loan Provided By Emirates NBD Bank

Emirates NBD Personal Loan Details
Minimum Salary AED 5000 - AED 25000 per month (depends on the nationality and type of loan)
Interest Rates Flat rate: 2.63% - 11.51% | Reducing rate: 5.99% - 19.99%
Maximum Loan Amount AED 200K - AED 3000K(depends on the nationality and type of loan)
Early Settlement Fees 1% of the outstanding amount
Arrangement Fees 1% of the approved loan amount
Tenure 48 months
Age 21 - 60 years(Expats) & 65 years(UAE Nationals)

Features of Emirates NBD Personal Loan

  • Home Improvement Personal loan up to AED 3 million
  • Personal Loans for UAE Nations with additional income (rent / sponsorship fee) up to AED 3 million
  • Automatic Top-up programme up to 125% times your original loan amount
  • Personal loans for New to country / New to employment up to AED 400,000
  • End - of - Service Benefit Backed Personal Loans up to 90% of End-of-Service Benefit amount
  • Without End-of-Service Benefit Assignment Personal loans up to 15 times your salary or up to AED 500,000
  • Loan for NRIs – Loan against / for NRE Fixed Deposits up to 90% of Fixed Deposit amount in AED and up to 80% for INR Fixed Deposit
  • Personal loans for Bankers up to AED 200,000 for both UAE Nationals and expatriates
  • Personal loans without salary transfer up to AED 200,000 for both UAE Nationals and expatriates
  • Personal loans for self-employed professionals like doctors, accountants, engineers, architects, etc. of up to AED 300,000
  • Personal loans for self-employed individuals in business for at least 2 years of up to AED 300,000
  • Overdraft facility of up to 90% of the net monthly salary or 90% of the Fixed Deposits under lien with Emirates NBD

Emirates NBD offers a wide range of personal finance to match the needs of different customers. The loans offered are :

Salary transfer loans for UAE Nationals :

This is a personal finance provided to UAE Nationals who are willing to transfer their salary to their account with the bank.

  • Minimum salary requirement of AED 5,000
  • Maximum loan amount of up to AED 3,000,000
  • Maximum tenure of loan up to 48 months
  • Attractive interest interest rates starting from 5.99% reducing or 2.63% flat per annum
  • Free bank account with no minimum balance requirement
  • Free 7 day loan return option for customers who are not satisfied after the loan is disbursed
  • Double Insurance coverage

Salary transfer loans for Expatriates :

Expatriates willing to transfer their salary with the bank can avail personal loans too. The features and benefits being similar to the personal loans for UAE Nationals, the maximum amount of loan provided to expatriates can go up to AED 1,000,000.

Personal Cash Loan :

These loans are available even for customers whose employer is not on Emirates NBD's Approved List of companies.

  • Minimum salary requirement is AED 10,000 if you have an existing credit card or Auto loan with the bank, if not, then minimum salary requirement is AED 12,000
  • Maximum loan amount up to AED 500,000
  • Minimum 6 salary credits with 6 months length of service with current company
  • For existing customers of credit cards / Auto loans – minimum banking relationship of 12 months

Eligibility Criteria of Emirates NBD Personal Loan

  • Minimum salary AED 5000 is required
  • UAE Residents of 21-65 yrs are eligible
  • Both self-employed and salaried individuals are eligible

Check here for the Eligibility Criteria of Emirates NBD personal loan

Emirates NBD Bank Personal Loan Interest rates

emirates-nbd Bank

8 Personal Loan Provided By Emirates NBD Bank

UAE National Loan

Minimum Salary

AED 5K

Flat Rate

2.63%

Reducing Rate

5.99%

Loan Amount

AED 3000K

Early Settlement Fee

1%

Arrangement Fee

1%

AED 5K

Minimum Salary

2.63%

Flat Rate

5.99%

Reducing Rate

AED 3000K

Loan Amount

1%

Early Settlement Fee

1%

Arrangement Fee

Loans for Expatriates

Minimum Salary

AED 10K

Flat Rate

2.63%

Reducing Rate

5.99%

Loan Amount

AED 1000K

Early Settlement Fee

1%

Arrangement Fee

1%

AED 10K

Minimum Salary

2.63%

Flat Rate

5.99%

Reducing Rate

AED 1000K

Loan Amount

1%

Early Settlement Fee

1%

Arrangement Fee

Personal loan for New to Country or New to Employment

Minimum Salary

AED 10K

Flat Rate

2.63%

Reducing Rate

5.99%

Loan Amount

AED 400K

Early Settlement Fee

1%

Arrangement Fee

1%

AED 10K

Minimum Salary

2.63%

Flat Rate

5.99%

Reducing Rate

AED 400K

Loan Amount

1%

Early Settlement Fee

1%

Arrangement Fee

UAE Nationals Home Improvement Cash Loan

Minimum Salary

AED 15K

Flat Rate

4.29%

Reducing Rate

7.99%

Loan Amount

AED 3000K

Early Settlement Fee

1%

Arrangement Fee

1%

AED 15K

Minimum Salary

4.29%

Flat Rate

7.99%

Reducing Rate

AED 3000K

Loan Amount

1%

Early Settlement Fee

1%

Arrangement Fee

Personal Cash Loan

Minimum Salary

AED 10K

Flat Rate

4.86%

Reducing Rate

8.99%

Loan Amount

AED 500K

Early Settlement Fee

1%

Arrangement Fee

1%

AED 10K

Minimum Salary

4.86%

Flat Rate

8.99%

Reducing Rate

AED 500K

Loan Amount

1%

Early Settlement Fee

1%

Arrangement Fee

Personal Loan without Salary Transfer

Minimum Salary

AED 10K

Flat Rate

7.9%

Reducing Rate

14.99%

Loan Amount

AED 200K

Early Settlement Fee

1%

Arrangement Fee

1%

AED 10K

Minimum Salary

7.9%

Flat Rate

14.99%

Reducing Rate

AED 200K

Loan Amount

1%

Early Settlement Fee

1%

Arrangement Fee

Self Employed Personal Loan for Professionals

Minimum Salary

AED 20K

Flat Rate

10.87%

Reducing Rate

18.99%

Loan Amount

AED 300K

Early Settlement Fee

1%

Arrangement Fee

1%

AED 20K

Minimum Salary

10.87%

Flat Rate

18.99%

Reducing Rate

AED 300K

Loan Amount

1%

Early Settlement Fee

1%

Arrangement Fee

Self Employed Personal Loan for Individuals or Entities

Minimum Salary

AED 25K

Flat Rate

11.51%

Reducing Rate

19.99%

Loan Amount

AED 300K

Early Settlement Fee

1%

Arrangement Fee

1%

AED 25K

Minimum Salary

11.51%

Flat Rate

19.99%

Reducing Rate

AED 300K

Loan Amount

1%

Early Settlement Fee

1%

Arrangement Fee

Frequently Asked Questions

Q. Is salary transfer mandatory?

A. Yes, your salary must be transferred to your Emirates NBD bank account.

Q. Is it mandate to maintain any minimum balance in the account?

A. No, there is no requirement of maintaining a minimum balance in the account.

Q. Do I need to provide salary certificate to top-up my loan?

A. No, to top-up your loan salary certificate is not required.

Q. Any collateral/guarantor is required for a personal loan?

A. Collateral/Guarantor is not required.

Q. I’m new to the UAE can I get a personal loan?

A. Yes, If you are working, you are eligible to apply for a personal loan and in addition, you can get a current account or savings account without the requirement of maintaining a minimum balance.

Q. What is the maximum tenure provided for a personal loan?

A. Emirates NBD provides the maximum tenure of 4 years.

Q. What is the minimum length of service required for a personal cash loan?

A. Minimum 6 months work service in the current company is required.

Q. What are the other personal loans options available?

A. You can check otherpersonal loan in UAEhere.

About Emirates NBD Bank

In 2007, Emirates Bank International (EBI) and the National Bank of Dubai (NBD), the second and fourth largest banks in UAE, merged to form the banking champion - Emirates NBD. With more than 200 branches and over 900 ATMs and Cash Deposit Machines (CDMs) across the country and overseas, it is globally recognized as the most valued financial services provider in the Middle East. On November 15, 2016, Emirates NBD took over Emirates Money Consumer Finance LLC, becoming a regional consolidation blueprint for banking and finance sector in the UAE.

Corporate Values of the Emirates NBD are:

  • Customer Focus
  • Service Excellence
  • Innovation
  • Passion For Performance
  • Integrity
  • Teamwork

Check Eligibility for Emirates NBD
Personal Loan

You are eligible to apply for a Emirates NBD
Personal Loan .

You may not be eligible * to apply.

* Minimum salary AED 5000 required to apply for a Emirates NBD Personal Loan .

Click here to check loans from other banks.

Emirates NBD Personal Loan Calculator