Emirates NBD Personal Loan for Expats

  • Minimum Salary AED 5,000
  • Flat Rate
  • Reducing Rate 4.99%
  • Max. Term 4 Years
  • Salary Transfer Yes
  • Islamic Finance No


ENBD know that you never stop dreaming. Whether your goals are for something as simple as renovating your home or as big as sending your children to school, ENBD have the right loan package to help turn your dreams to reality

Major Advantage: High finance amount, Free bank Account with no minimum balance required

Points to Consider: There is fee applicable for early settlement


Major Feature:

  • Low salary requirement
  • 7 Days loan return option
  • Applicable for New employees
  • Free Bank account
  • Increased loan eligibility with co-applicant program


Minimum Salary Requirement: AED 5,000

Reducing Rate (as advertised): Starting from 4.99% p.a.

Flat Rate: 2.63% p.a.

Processing Fees: 1% of the finance amount (Min AED 500; Max AED 2,500)

Maximum Finance Amount: AED 1,000,000

Islamic Finance: No

Maximum Term: 48 Months

Salary Transfer: Compulsory

Early Settlement Fees: 1%

Insurance: 1.24% (It comes with double credit life coverage)

Holiday Period: Yes, Deferment option available, you can skip two non-consecutive installments per year

Salaried/Self Employed: Both can apply

Documents Required

Common Documents: 

  • Valid Passport Copy with valid Resident Visa page
  • UAE Nationals: Idbara page of UAE Nationals
  • Original Emirates ID and Emirates ID copy
  • Proof of Residency or Utility Bill
  • Undated Security Cheque
  • Credit Card Statements (Where applicable)



  • Latest 3 Months Bank statement
  • Latest Salary Certificate / Salary Transfer Letter


Self Employed:

  • Latest 6 Months Bank statement
  • Trade License
  • MOA (Memorandum of Association)
  • POA (Power of Attorney)

Additional Info

  • All info mentioned can change at any point of time as per the discretion of the bank. The Bank will determine eligibility. All info above is subject to change.
  • Terms and conditions apply.   

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Jessica Anderson, Finance Specialist is ready to help you!