A personal loan offers you a convenient way to manage your finances. Among the most preferred choices is the CBD personal loan, which is known for its high loan amounts and flexible repayment period. With quick loan disbursement and tailored benefits, it is a reliable option for UAE residents seeking financial assistance. So whether you are looking for funds for your education, wedding, any emergency, or just other quick personal requirements, this option can certainly be a good fit. ...read more
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Reviewed ByRavindra DhakarProduct Manager
Ravindra Dhakar
Product Manager
With 4+ years of experience in banking and financial services, Ravindra Dhakar serves as a Product Manager at Paisabazaar.ae, specialising in banking and finance products. He is adept at developing customer-centric financial solutions, optimising product strategies, and driving innovation across lending, payments, and consumer banking to enhance financial accessibility and user experience.
Commercial Bank of Dubai personal loans are offered by keeping the financial needs of the UAE residents in mind. From household appliances and travel expenses to education bills and more, the Commercial Bank personal loan allows loan borrowers to avail of immediate funding for much-needed financial crunch at an affordable interest rate of 5.50% for a flexible tenure of up to 4 years.
The Commercial Bank of Dubai (CBD) has over 25 branches and hundreds of ATMs across the Middle East.
CBD Personal Loan Plans
Commercial Bank of Dubai
Plan NameQuick Loan
Minimum Salary (AED)10000
Fixed RateStarting from 5.50%
Commercial Bank of Dubai
Plan NameNational Loan Scheme
Minimum Salary (AED)5000
Fixed RateStarting 5%
Commercial Bank Personal Loan Interest Rates
The Commercial Bank personal loan rates and other details are mentioned in the table below:
Commercial Bank of Dubai Personal Loan
Category
Maximum Loan Amount
Tenor
Interest Rate
Type of Interest
Salary Transfer
For UAE Nationals
AED 3 Million
Up to 48 Months
5.50% p.a.
Reducing
Required
For Expatriates
AED 750,000
Up to 48 Months
5.50% p.a.
Reducing
Required
(Interest rates are subject to change)
Features and Benefits of Commercial Bank Personal Loan
Listed are the top advantages of choosing a CBD bank personal loan:
High loan amounts are available for UAE nationals and residents
A flexible loan repayment tenure of up to 60 months for UAE nationals
A flexible loan repayment tenure of up to 48 months for UAE expatriates
Applicable competitive interest rates
Get loan deferments
A free current account with no minimum balance requirement
Eligibility Criteria for CBD Bank Personal Loan in UAE
Refer to the personal loan eligibility requirements offered by Commercial Bank of Dubai
Eligibility Type
Criteria
Nationality
UAE nationals and UAE expats
Age- UAE Nationals
Minimum- 21 years Maximum- 65 years
Age- UAE Expats
Minimum- 21 years Maximum- 60 years
Minimum Salary
AED 8,000
Employment
A confirmed employee or must have been employed for at least 6 months with a CBD-approved employer
Documents Required for a Commercial Bank of Dubai Personal Loan
Provided is a list of documents required for a Commercial Bank of Dubai personal loan:
For UAE Nationals
For UAE Expatriates
Emirates ID
Passport
Latest 3 Months’ Bank Statement (applicable to new customers)
Salary Transfer Letter
Completed Application Form
Emirates ID & National ID
UAE Residence Visa
Passport
Latest 3 Months’ Bank Statement (applicable to new customers)
Salary Transfer Letter
Completed Application Form
How to Apply for a CBD Bank Personal Loan via Paisabazaar.ae?
Apply for a Commercial Bank of Dubai personal loan with us instantly and enjoy a fast and seamless process designed as per your financial needs.
The steps are as follows:
Step1- Enter the correct details in the lead form.
Step2- Submit the form to get directed to the quotes page.
Step3- Locate and choose the CBD personal loan.
Step4- Apply and await our response.
If you have any queries, reach out to us through email at communication@paisabazaar.ae or call us at 8007284647.
Why Choose Paisabazaar UAE ?
You have plenty of reasons to choose us:
A wide range of loan options
Compare loans across the top banks and choose the best one
Access to our customer assistance team whenever required
Convenient and hassle-free application process with minimal paperwork
Commercial Bank of Dubai Personal Loan- Fees and Charges
Tabled are the fees and charges linked to the CBD personal loan:
Type of Fee
Charges
Processing Fee
1% of the loan amount;
Min- AED 525
Max- AED 2,625
Early Loan Settlement from Own Source
1% of the remaining balance or AED 10,500
Early Loan Settlement from Other Bank
1% of the remaining balance or AED 10,500 (Whichever is lower)
Part-Payment from Own Sources
1% of the remaining balance or AED 10,500
Part-Payment from Other Bank
1% of the remaining balance or AED 10,500
Loan Cancellation Fee
AED 105
Postponement Request
AED 105
Life Insurance
0.82% of the loan amount
Rescheduling of Loan
AED 262.50
Issuance of Liability Letter to Other Banks
AED 63
Late Payment Penal Interest Charges
AED 200 (Maximum)
Final Settlement from Other Sources/ End of Service Benefits
1% of the remaining amount;
Max- AED 10,500
Please note that all charges are inclusive of VAT.
Commercial Bank of Dubai Personal Loan- Terms and Conditions
We have listed some of the terms and conditions of the CBD Bank personal loan below:
The borrower agrees to promptly execute and sign any documents, including transfers, assignments, mortgages, or powers of attorney, that the bank may require to secure its interest in any collateral covered by this agreement. Additionally, the borrower acknowledges that the bank may, at its discretion and without prior notice, combine or consolidate any of the borrower’s existing loans and transfer or set off amounts from any of the borrower's accounts with the bank toward the repayment of any outstanding loans or obligations.
All amounts receivable by the borrower will continue to serve as ongoing security for the full repayment of any present or future debts, whether actual or contingent, owed to the bank. This includes any liabilities the borrower may incur under any account or arrangement with the bank.
The borrower accepts that the bank may send periodic account or loan statements, notices, and updates to the borrower’s registered email address. These shall be considered valid proof of the borrower’s outstanding liabilities unless formally disputed. The borrower is responsible for:
a) Safely storing all banking communications for reference;
b) Verifying the accuracy of all account or transaction statements; and
c) Updating the bank with any changes to contact details or identification.
In case of payment defaults, the borrower consents to the bank’s authorized field agents visiting the borrower’s workplace or residence to establish communication. The borrower waives any objection to such visits and agrees to cooperate in resolving overdue payments.
Any change in the variable component of the interest rate will be communicated at least 30 calendar days in advance, along with an updated repayment schedule to ensure transparency and financial planning.
FAQs about Commercial Bank of Dubai Personal Loan
Q1. Can I apply for a Commercial Bank of Dubai personal loan for a non-listed company?
Ans: While Commercial Bank of Dubai personal loan applicants are required to make a salary transfer and submit a salary transfer letter, CBD may make an exception for confirmed employees of reputable organizations. You can get in touch with the Commercial Bank of Dubai personal loan staff for more information.
Q2. How can I calculate my Commercial Bank personal loan EMI?
Ans: You can calculate your EMI by using the Commercial Bank personal loan calculator. The CBD personal loan calculator is available for free on the CBD website.
Q3. Can I apply for a Commercial Bank personal loan if I have one active loan?
Ans: Yes, you can even consolidate your loan with the Commerical Bank of Dubai personal loan in order to manage loan installments easily and avail of the low Commercial Bank personal loan interest rates.
Q4. What is the CBD top-up loan?
Ans: Commerical Bank of Dubai personal loan applicants can avail of a second renewable loan after repaying a certain number of monthly installments on their current CBD loan. This Commercial Bank personal loan is known as a top-up loan. Generally, it comes with better tenors and Commercial Bank personal loan rates as a result of continued loyalty to the bank.
Q5. What is the maximum personal loan repayment tenure available for UAE nationals at CBD?
UAE nationals can clear their loan within a period of 60 months.
Q6. What is the minimum salary required for the Commercial Bank of Dubai personal loan?
A minimum monthly salary of AED 8,000 is required for obtaining a personal loan at CBD.
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CBD Personal Loan - Compare & Apply for CBD personal loan in UAE. Check interest rate, offers, benefits, eligibility, minimum salary, and document requirements to get a personal loan.
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Minimum Salary 5000 AED
EMI Tenure up to 48 Months
Lowest Interest Rates
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