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ADCB Islamic Banking Personal Finance For UAE Nationals
Credit Bureau Consent, Welcome Offer & General Terms & Conditions
I hereby acknowledge and agree to allow Citibank to share my details with any UAE credit bureau and make enquiries about me with any UAE credit bureau at its sole and absolute discretion. I agree to the Terms and Conditions listed below. Citibank Terms and Conditions apply, are subject to change without prior notice and are available upon request. For the current Terms and Conditions, please visit our website www.citibank.ae. All offers are made available on a best-effort basis and at the sole discretion of Citibank, N.A. Citibank, N.A. makes no warranties and assumes no liability or responsibility with respect to the products and services provided by partners/other entities. By inquiring about our services, offers or products, you will be authorizing our representatives to approach you on your contact details including your telephone/mobile number for any product or service offered by Citibank. The applicant agrees to be bound by Citibank’s General Terms and Conditions available on the website www.citibank.ae. The applicant hereby represents and warrants that the information provided herein is true, accurate, and complete and that he/she agrees to remain responsible for and to indemnify Citibank, N.A. from and against any losses, claims and/or liabilities incurred by Citibank NA as a result of having relied on such information. Citibank, N.A. is not required to verify the information provided by the applicant and neither is the bank obliged to provide the applicant with any loans or credit facilities based on the provided information. The products and services mentioned on this website are not offered to individuals resident in the European Union, European Economic Area, Switzerland, Guernsey, Jersey, Monaco, San Marino, Vatican, The Isle of Man or the UK. This page is not, and should not be construed as, an offer, invitation or solicitation to buy or sell any of the products and services mentioned herein to such individuals.
Islamic Banking Personal Finance For UAE Nationals
- Repayment period is up to 4 years
- Only UAE Nationals can apply for this scheme
- The profit rate starts at 5%
- Minimum salary of AED 10,000 is required
- It is mandatory to transfer your salary to apply for this scheme
- Finance up to AED 4,000,000
- Early settlement fee is 1.05% of the finance amount
- Takaful fee is 1.05% of the finance amount
- Arrangement fee is 1.05% of loan amount
- Get 300 touchpoints on every AED 1000 of the finance provided
- Documentation is simple
- High finance amount is offered
- Takaful insurance coverage is provided
- Free ADCB Islamic banking credit card is provided
- Get 50% OFF on processing fee on applying for the account through ADCB Hayyak App. Also, avail 50,000 Touchpoints on the approval.
Frequently Asked Questions
⭐ What is the minimum and maximum tenure for ADCB personal loan?
A. Minimum tenure is 12 months and maximum is 60 months for ADCB personal loan.
⭐ Whar will happen if I miss one or two EMI's of ADCB personal loan?
A. If you miss one or two EMI's you will have bad credit history which will affect your future loan application.
⭐ Can I apply for ADCB personal loan with bad credit history?
A. Yes, you can but interest rates will be high as risk of default is high.
⭐ If my loan application is once declined by the bank will I be able to apply again?
A. Yes, you can apply again but in due course. Also you need to make sure that your circumstances have changed since your last application.
⭐ Do I need to be an existing ADCB account holder to apply for this finance?
A. No, you can apply for this finance even if you are not an existing account holder in ADCB.
Abu Dhabi Commercial Bank (ADCB), features in the Forbes list of top 1000 biggest public companies. It provides retail, commercial, Islamic banking and other financial services to people. Founded in 1985 and headquartered in Abu Dhabi, UAE, the bank operates on five strategic pillars:
- UAE-centric approach with controlled internationalization
- Sustainability through growth of liabilities
- Culture of efficiency and service excellence
- Follow a pre-defined risk strategy
- Focuses on staff
ADCB offers three categories of services:
- Privilege Club
The services and charges vary depending on the category in which you choose to bank with them.
Get in touch with ADCB Customer Care