Emirates NBD Personal Loan for Expats & UAE Nationals
Emirates NBD Personal Loan is a top choice for both UAE Nationals and Expats. If you want your loan to be loaded with benefits, you can go for Emirates NBD Personal Loan. The benefits you get will be based on customer eligibility and borrowing capacity. We will cover eligibility criteria, documents required, and ways to calculate your monthly installment. ...read more
Emirates NBD Personal Loan for Expats & UAE Nationals
Written ByAkshitaBrand Marketing Executive
Akshita
Brand Marketing Executive
Akshita is a Brand Executive and content professional with experience in branding and banking and finance communication in the UAE. She combines strategic storytelling with a strong understanding of audience needs to create clear, trustworthy content. Her expertise in brand development, financial writing, and consumer engagement helps deliver information that is both insightful and accessible.
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.
Emirates NBD Personal Loan for Expats and UAE Nationals
Emirates NBD is one of the fastest- growing banks in the UAE known for providing personal loans at the lowest interest rates. Here’s why both UAE nationals and expats prefer Emirates NBD -
Competitive interest rates
Versatile financial tool
Robust Portfolio
This loan combines ease of access with extensive benefits, making it a preferred choice for many in the UAE.
Benefits of Emirates NBD Personal Loan for UAE Nationals and Expats
There are numerous benefits of using Emirates NBD Personal Loan for Expats and UAE Nationals, but let’s list down the most important ones just for you:-
For UAE Nationals
For Expats
Get a loan for up to AED 4 million with reducing interest rate starting from 5.99%.
Transfer other bank loans from AED 25,000 to AED 2 million to Emirates NBD at attractive interest rates.
Covers your outstanding amount in case of any unfortunate event.
Zero Balance complimentary account
Loans are available without needing collateral or a guarantor
Get a free credit card for the first year and set up a fee on Overdraft with eligible points.
Get up to 2 non-consecutive deferments in a loan cycle
Get a loan amount of up to AED 2 million with a reduced interest rate starting from 5.99%.
Avail up to two non-consecutive deferments within a loan cycle.
Credit Life Insurance will pay the remaining balance in case of an unfavorable circumstance.
Benefit from a 7-day return policy
Free bank account with no balance
No guarantee or collateral is needed.
Delay of the first payment for up to 90 days (60 days for new and top-up cases; 90 days for take-over)
Free Credit Card for the First Year with Eligible Points or Miles
First year free Overdraft (OD) setup charge
Maximum 48-month loan term
Increase eligibility for loans by additional sources of income.
Emirates NBD Personal Loan Interest Rates for Expats and UAE Nationals
The below table outlines the interest rates for personal loans offered by Emirates NBD:-
Nationality
Fixed Rate (per annum)
Reducing Rate (per annum)
UAE Nationals
NA
5.99%
Expatriates
NA
5.99%
Eligibility Criteria for Emirates NBD Personal Loan for UAE Nationals and Expats
Particulars
For UAE Nationals
For Expats
Minimum Income
AED 5,000 per month
AED 5,000 per month
Minimum Length of Service
None
None
Salary Transfer
Minimum 3 salaries
Minimum 3 salaries
Security Cheque
Required if the loan amount is above AED 200K
Required if the approved finance amount is above AED 200K
Listed and Non-Listed Companies
No compulsion
No compulsion
Processing Fees
No Fees
Minimum 1% with a cap of maximum AED 2500
Documents for Emirates NBD Personal Loan for Expats and UAE Nationals
Below is the list of documents you will be required to complete your loan process, when you’re either applying for a new loan, switching or topping it up -
For New Loans
For Switching Loan
For Topping Up Loan
Original passport copy with resident visa page
Emirates ID Copy
Most recent pay transfer letter or salary certificate
Undated security cheque
Previous three-month bank statement
Form for DDS registration
Copy of passport with resident visa page
Emirates ID
Latest salary certificate or transfer letter
Last 3 or 6 month bank statement
Existing loan liability letter from the bank
Undated security cheque
Passport with resident visa page
Emirates ID
Latest salary certificate or transfer letter
Undated security cheque
Note: Additional documents may be required by the bank. Ensure all your documents are valid for a faster application process.
How to Apply for Emirates NBD Personal Loan via Paisabazaar UAE ?
Although there are various ways to apply for a personal loan, we have come up with the easiest one! As we don’t want you to juggle between sites to explore options, we bring all the key details to you on a single page for better navigation and easy application process.
Here are the steps to apply for an Emirates NBD Personal Loan on our website -
Click on ‘apply now’ below.
Fill out the form with details like your city of residence, full name, monthly income, and more.
Security: Encrypted platform that protects your identity and ensures safety of every transaction.
Comparisons: All the information served right in front of you to compare and select a suitable option.
Special offers: Take advantage of the ongoing offers and benefits while applying for the loan.
24*7 support: Round the clock support available with real-time solutions.
Loan Calculator: Use the Personal Loan calculator to check your monthly installments.
How to Calculate Emirates NBD Personal Loan Monthly Instalments
Calculating your monthly installments is now easier than ever with Paisabazaar.ae personal loan calculator. Scroll down the page to locate the EMI calculator. To use it, you need to fill in these details -
Loan Amount
Interest Rate
Loan Tenure
Your monthly installment will be displayed instantly, saving you time and effort. Also, you won't be required to fill out some complex forms or make calculations.
Things to Know About Emirates NBD Personal Loan for UAE Nationals and Expats
Here are certain things that you should keep in mind before applying for Emirates NBD Personal Loan-
Browse through the list of documents required and all the fee charges involved when you get a loan.
You can incur a late fee if you fail to make the monthly payments on time.
Missing repayments can affect your credit score badly, limiting your access to loans in the future.
If you are unable to pay a monthly installment, it’s better to apply for a deferment in advance (allowed twice a year).
Remember, if you defer your payment, you may need to pay more interest and the loan will take longer to pay back.
Frequently Asked Questions
Q1. Can expats take loan in UAE?
Ans: Yes, as an expat, you can easily take out loans from Emirates NBD in the UAE. These loans will help you fulfill financial needs, including education, marriage expenses, or any unexpected needs.
Q2. What is the minimum salary for a personal loan in Emirates NBD?
Ans: The minimum salary should be AED 5,000 to apply for Emirates NBD Personal Loan for UAE Nationals and Expats.
Q3. Can I get a loan on a 2500 AED salary?
Ans: No, you cannot as the minimum salary requirement is AED 5,000.
Q4. Can I get a loan with a 4000 AED salary?
Ans: There might be a chance that you see banks offering loans with an income of AED 4,000, but they don’t actually offer such loans and demand a minimum salary of at least AED 5,000.
Q5. How much personal loan can I get in the UAE with Emirates NBD?
Ans: You can get a loan of up to AED 4 million with Emirates NBD .
Q6. What documents are required for Emirates NBD personal loan application?
Ans: The documents required include Emirates ID, updated security cheque, valid salary certificate or salary transfer letter, passport with resident visa page (for expats), and bank statements.
82 genuine reviews and ratings across our services.
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Apply for Emirates NBD personal loan for expats & UAE Nationals, Check interest rates, maximum loan amount, Minimum salary requirements and other benefits.
Much better than bank sitesCompared to individual bank websites, this one is much more user-friendly. I liked how I could browse and explore all the UAE personal loans and their rates and even approx instalments — everything out there on my screen!
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Support that actually helpsAs a newbie in finance, I had many doubts. The support team was truly helpful and responded in detail with patience. It was a big difference for me as for the first time I could apply for personal loans with zero doubts.
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