Emirates NBD Personal Loan is a personal financing option designed for UAE residents who want structured repayments, defined loan terms, and a formal banking process.
This type of product is typically used for major personal expenses, debt consolidation, or planned financial goals, and should be assessed based on total cost, fees, and repayment capacity.
Key Facts
- Loan amount: Up to AED 4,000,000
- APR (Annual Percentage Rate): From 5.99% reducing p.a. (indicative)
- Loan term (months): Up to 48 months (up to 60 months for eligible Ministry of Defense employees)
الحقائق الرئيسية
- مبلغ القرض: حتى 4,000,000 درهم
- نسبة النسبة السنوية (APR): تبدأ من 5.99% (معدل متناقص سنوياً) (إرشادي)
- مدة القرض (بالأشهر): حتى 48 شهراً (حتى 60 شهراً لموظفي وزارة الدفاع المؤهلين)
Get to know better
- Loan amount options designed for different financial needs
- Structured repayment plan with defined tenure
- Loan features may include deferment options and return window (subject to terms)
Why we recommend this loan
This loan can be relevant for borrowers who value transparency and prefer working with a regulated bank that provides documentation, Key Facts Statements, and clear fee disclosures.
In addition, Emirates NBD typically offers support resources such as guidance on early settlement, partial settlement, and deferment processes—useful for people who want predictability and formal servicing.
Find a personal loan to your profile
Choosing a personal loan in the UAE should be based on affordability and compliance with UAE Central Bank lending rules (including debt burden ratio). A competitive rate is important, but so are processing fees, insurance conditions, and settlement charges.
If your income profile changes (new job, variable income, additional income sources), it may affect eligibility. A careful review of the bank’s Key Facts Statement is essential to understand repayment impact and fees.
Emirates NBD Personal Loan: Get a personal loan
For eligible customers, this loan may offer features such as first payment deferment, loan return option, and deferment flexibility, depending on the loan type and customer segment.
Before signing, compare this offer with alternatives in the market, including how it aligns with your monthly budget and whether the APR is fixed or variable.
Disclaimer / إخلاء المسؤولية
This content is for informational purposes only and is not issued or endorsed by Emirates NBD. All terms and rates are subject to change and regulatory approval. Please refer to the bank’s official website and Key Facts Statement for the most accurate and updated information.
هذا المحتوى لأغراض معلوماتية فقط وليس صادرًا عن بنك الإمارات دبي الوطني أو معتمدًا منه. جميع الشروط والأسعار قابلة للتغيير وخاضعة للموافقات التنظيمية. يُرجى الرجوع إلى الموقع الرسمي للبنك وبيان الحقائق الرئيسية للحصول على أدق المعلومات وأحدثها.