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Other Personal Loans From Emirates NBD
Emirates NBD Personal Loan without Salary Transfer
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.
Personal Loan without Salary Transfer
- No salary transfer
- High Finance
- Double Insurance coverage
- Repayment period is up to 4 years
- The loan is provided for a interest rate of 14.99%
- Minimum salary of AED 10,000 is required
- The reduction rate and the flat rate is 14.99% and 7.9%. This denotes that the computation done was a division of the reduction rate by 1.87
- It is not mandatory to transfer your salary to apply for this scheme
- Finance up to AED 500,000
- Early settlement fee is 1% of finance amount
- Arrangement fee is 1% of loan amount
- Both Expats and UAE Nationals can get up to AED 500,000 loan amount
- Around 560 ATMs of the Emirates NBD are there around the UAE
- You can miss up to two non-consecutive installments per year
- Free Debit Card and bank account is provided along with this scheme
- Repayment period is long
Frequently Asked Questions
⭐ What are the charges on late installment payments?
A. On late installments, you need to pay AED 50 as late payment fees.
⭐ What are the charges for the insurance cover?
A. The rates on the insurance cover vary from 1.24% to 1.99%.
⭐ What are the charges for rescheduling the loan?
A. On rescheduling the loan you need to pay a fee of AED 250.
⭐ Do I get any clearance letter?
A. Yes, once you clear the loan, you get a clearance letter.
⭐ What are the charges to get a clearance letter?
A. The loan clearance letter is provided for free for once, if you want an extra clearance letter then AED 100 is charged.
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
- Passion For Performance
Get in touch with Emirates NBD Customer Care