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Prices of financing and savings products
Last modification : 15th August 2020

Personal Finance Credit Cards Home Finance Auto Lease

1. Salary Assigned ? 

Yes 
 

2. Customer Type?

Saudi 
 

Financing Amount Required SAR

SAR 20,000 SAR 3,000,000

Tenor Years

1 year 5 years

Salary SAR

SAR 5,000 SAR 500,000

* Interest rates vary by tenor & subject to bank policy
* Management fees : 1% of finance amount (capped at SAR 5,000). Late payment fees : SAR 150. EMI deferment fees : SAR 100. Early settlement fees : 3 months term cost from date of finance closure.
*Management fees: 1% of finance amount (capped at SAR 5,000). Late payment fees: SAR 150. EMI deferment fees: SAR 100.

APR 55%

 

Management Fees 1000 SAR

 

Term Cost 1000 SAR

 

Total Repayment amount 1000 SAR DBR Exceeded the allowed limit

 
With Personal Finance,
monthly installment is

  SAR  2,730 *
APR may differ depending on the amount and maturity period and subject to credit scoring of each customer
 

*Subject to terms and conditions.

1. Select Credit Card ? 

Platinum Credit Card 
 

Select Credit Limit SAR

Click here for Fees & Charges

APR is subject to change depending on the card’s credit limit and outstanding balance.
Product tiers (Platinum or Infinite) and the Credit Limit assigned to customer is subject to Bank's internal policies and review of customer's credit report
Minimum Income required for Infinite cards is SAR 30,000

APR 55%

 

Annual Fee 1000 SAR

 
Monthly Interest Rate is
 2,730 %  *
Bank reserves the right to change fee and rates at any time with appropriate notice to customers
 

*Subject to terms and conditions.

1. Select Home Finance? 

Ijarah Home Finance 
 

Property Value SAR

SAR 300,000 SAR 5,000,000

Tenor Years

5 year 30 years

Salary SAR

SAR 1,000 SAR 100,000

Down Payment %

10% 90%

Existing commitments - Financing (Total EMI) SAR

SAR 1,000 SAR 500,000

Existing commitments - Credit Cards (Total Limit) SAR

SAR 1,000 SAR 500,000

* Interest rates vary by tenor & subject to bank policy
In case of early settlement, 3 following months profit will be charged.
Management fee of 1% from financed amount or capper at SAR 5,000 whichever is lower (including evaluation fee).
Management fee of 1% from financed amount or capper at SAR 5,000 whichever is lower (including evaluation fee).

1. Salary Assigned ? 

Yes 
 

2. Approved Employer?

Yes 
 

3. First Property?

Yes 
 

Maximum DBR 55%

 

Other products DBR 55%

 

Available DBR 55%

 

Mortgage DBR 55%

 

APR 55%

 

Rate 4.75%

 

Financing amount 1000 SAR

 

Total Repayment amount 1000 SAR

 

Given the data selected, you are ineligible for the Murabaha Mortgage product, please change the data selected

 
With IjarahHome Financing,
monthly installment is

  SAR  2,730 *
APR may differ depending on the amount and maturity period and subject to credit scoring of each customer.
 

*Subject to terms and conditions.

1. Select Auto Lease Type ? 

New Cars 
 

2. Select Finance Type ? 

Salary Assigned 
 

3. Select Model Type ? 

Same year model 
 

Salary SAR

SAR 8,000 SAR 500,000

Car Price SAR

SAR 30,000 SAR 1,200,000

Down Payment %

0% 90%

Balloon Payment %

3% 35%

Tenor Years

1 year 5 years

Note: Profit Rates, Down Payment, Balloon Payment, Tenor and the Financing Limits may vary & are subject to Bank's policy
Management Fee 1% of the finance amount or SAR 5000 whichever is lower
For 50/50 program: Maximum Financing Amount is capped at SAR 500,000 for regular cars and SAR 750,000 for (Bentley Only)

1. Customer Type?

Saudi 
 

2. Car Type ? 

Standard/ Luxury Cars 
 

Finance Amount SAR 55

 

Down Payment Amount SAR 55

 

Term Cost SAR 100

 

Balloon Payment Amount SAR 100

 

APR 55%

 

Management Fees SAR 1000

 

Total Repayment amount SAR 1000 DBR Exceeded the allowed limit

 
Based on the Auto Lease program,
your monthly installment is

  SAR  2,730 *
APR may differ depending on the amount and maturity period and subject to credit scoring of each customer
 

*Subject to terms and conditions.

Close  

Fees & Charges

Emirates NBD Credit Cards Platinum Platinum Plus Mazeed Cashback Infinite
Membership Fees
Annual Fee SAR 300 Free SAR 200 SAR 700
Supplementary Cards (Up to 5 Cards) Free Free Free Free
Other Fees and Charges
Annual Percentage Rate (APR)* 66.22% 34.33% 52.43% 45.02%
Interest Rate (Retail Purchases)
Interest Rate (Cash Advanse)
2.20% 2.49% 2.20% 2.20%
Cash Advance Fee SAR 75 SAR 75 SAR 75 SAR 75
Late Payment Fee SAR 100 SAR 100 SAR 100 SAR 100
Foreign Currency Transaction Fee 2.20% 2.20% 2.20% 2.20%
Card Replacement Fee SAR 50 SAR 50 SAR 50 SAR 50
Copy of Sales Voucher SAR 50 SAR 50 SAR 50 SAR 50
Credit Shield 0.49% 0.49% 0.49% 0.49%
Duplicate Statement Fee (per copy)
Up to last 3 months Free Free Free Free
General
Payment Due Date 23 Days 23 Days 23 Days 23 Days
Credit Period Up to 53 Days Up to 53 Days Up to 53 Days Up to 53 Days
Minimum Payment Due 5% or SAR 100 (whichever is higher) 5% or SAR 100 (whichever is higher) 5% or SAR 100 (whichever is higher) 5% or SAR 100 (whichever is higher)
Cash Advance Limit 30% 30% 30% 30%

Example of how interest is calculated

  • SME Financing Example
    Product APR Management Fee
    Short Term loan between 4.5% and 10% 1.75% to 4% (of the financed amount)
    Medium Term Loan Between 5% and 10% 2% to 4% (of the financed amount)

    Examples:

    • STL for Direct payment to Supplier for SAR 1,620,000 with tenor of 172 days and an APR of 5.5% would have a profit rate of SAR 42,547.86.
    • STL for Direct payment to Supplier for SAR 600,000 with tenor of 123 days and an APR of 6.75% would have a profit rate of SAR 13,840.43.
    • STL for Direct payment to Supplier for SAR 150,000 with tenor of 100 days and an APR of 8.2% would have a profit rate of SAR 3,452.38.

Example of how monthly installments are calculated

  • Personal Finance Example

    Islamic Salary Transfer Financing

    • Example 1: For personal finance of SAR 200,000 over 60 months, the APR will be 5.32% and the monthly installment will be SAR 3,791
    • Example 2: For personal finance of SAR 150,000 over 36 months, the APR will be 4.86% and the monthly installment will be SAR 4,479
    • Example 3: For personal finance of SAR 100,000 over 12 months, the APR will be 4.21% and the monthly installment will be SAR 8,521

    Islamic Non – Salary Islamic Financing

    • Example 1: For personal finance of SAR 200,000 over 60 months, the APR will be 8.15% and the monthly installment will be SAR 4,042
    • Example 2: For personal finance of SAR 150,000 over 36 months, the APR will be 8.26 % and the monthly installment will be SAR 4,698
    • Example 3: For personal finance of SAR 100,000 over 12 months, the APR will be 8.04% and the monthly installment will be SAR 8,688

    Islamic Balance Transfer Personal Financing

    • Example 1: For personal finance of SAR 200,000 over 60 months, the APR will be 5.32% and the monthly installment will be SAR 3,791
    • Example 2: For personal finance of SAR 150,000 over 36 months, the APR will be 4.86% and the monthly installment will be SAR 4,479
    • Example 3: For personal finance of SAR 100,000 over 12 months, the APR will be 4.21% and the monthly installment will be SAR 8,521
  • Credit Cards Example

    Platinum, Mazeed Cashback and Infinite Credit Cards

    Example 1 (Month 1): Assuming that the Cardholder is assigned the statement billing date as 7th day of every month and he does the following transactions in the billing period 7th March and 7th April.

    • Retail purchases worth SAR 10,000 on March 10th
    • Cash withdrawal of SAR 6,000 on 1st April

    It is assumed that no previous balance is carried forward from the March 7th statement, the Cardholder will receive his April 7th statement detailing total transactions of SAR 16,075 (principal balance + cash advance fee of SAR 75 for every cash withdrawal).

    The Cardholder needs to make a payment towards the outstanding within 23 days from the statement date (due date: April 30th). The payment can range between 5% and 100% of the outstanding amount.

    Total interest charges for cash advance billed in the statement of April 7th will be SAR 6,075 x 26.4% x 7 days / 360 days* = SAR 31.19

    * Interest on cash advance transactions is calculated on a daily basis since date of transaction until cash advance transaction amount is fully settled.

    Example 2 (Month 2): In the following month starting April 7th, Cardholder will have the carry forward balance of SAR 16,106.19. In case a partial payment of SAR 3,000 is received on April 29th, interest charges for the May 7th statement will be calculated as per the following:

    • Retail transaction since date of transaction (Mar 10th) until date of payment (April 29th): SAR 10,000 x 26.4% x 50 days / 360 days** = SAR 366.67
    • Retail transaction since date of payment (April 29th) until statement issuance date (May 7th): SAR 10,000 x 26.4% x 9 days / 360 days** = SAR 66.00
    • Cash balance since last statement issuance date (April 7th) until date of payment (April 29th): SAR 6,106.19 x 26.4% x 21 days / 360 days = SAR 94.04
    • Cash balance since date of payment (April 29th) until statement issuance date (May 7th): SAR 3,106.19 x 26.4% x 9 days / 360 days = SAR 20.50

    Total interest charges billed in the statement of May 7th will be SAR 547.20

    **Interest on retail transactions is calculated on a daily basis since date of transaction, if the outstanding balance is not fully settled by the payment due date.

    Example 3 (Month 3): Starting May 7th, Cardholder will have the carry forward balance of SAR 13,653.39. In case the customer does following transactions during this month:

    • Partial payment of SAR 3,500 on May 10th
    • Retail transaction of SAR 3,000 on May 16th
    • Cash withdrawal transaction of SAR 600 on May 18th

    Interest charges will be calculated as per the following:

    • Retail balance since last statement issuance date (May 7th) until date of payment (May 10th): SAR 10,432.67 x 26.4% x 2 days / 360 days = SAR 15.30
    • Retail balance since date of payment (May 10th) until statement issuance date (June 7th): SAR 10,000 x 26.4% x 29 days / 360 days = SAR 212.67
    • Cash balance since last statement issuance date (May 7th) until date of payment (May 10th): SAR 3,220.72 x 26.4% x 2 days / 360 days = SAR 4.72
    • Cash balance since date of payment (May 10th) until statement issuance date (June 7th): SAR 153.39 x 26.4% x 29 days / 360 days = SAR 3.26
    • New cash advance since date of transaction (May 18th) until statement issuance date (June 7th)* : SAR 675 x 26.4% x 21 days / 360 = SAR 10.40

    Total interest charges billed in the 7th of June statement will be SAR 246.35

    Platinum Plus Credit Card

    Example 1 (Month 1): Assuming that the Cardholder is assigned the statement billing date as 7th day of every month and he does the following transactions in the billing period 7th March and 7th April.

    • Retail purchases worth SAR 10,000 on March 10th
    • Cash withdrawal of SAR 6,000 on 1st April

    It is assumed that no previous balance is carried forward from the March 7th statement, the Cardholder will receive his April 7th statement detailing total transactions of SAR 16,075 (principal balance + cash advance fee of SAR 75 for every cash withdrawal).

    The Cardholder needs to make a payment towards the outstanding within 23 days from the statement date (due date: April 30th). The payment can range between 5% and 100% of the outstanding amount.

    Total interest charges for cash advance billed in the statement of April 7th will be SAR 6,075 x 29.88% x 7 days / 360 days* = SAR 35.30

    * Interest on cash advance transactions is calculated on a daily basis since date of transaction until cash advance transaction amount is fully settled.

    Example 2 (Month 2): In the following month starting April 7th, cardholder will have the carry forward balance of SAR 16,110.30. In case a partial payment of SAR 3,000 is received on April 29th, interest charges for the May 7th statement will be calculated as per the following:

    • Retail transaction since date of transaction (Mar 10th) until date of payment (April 29th): SAR 10,000 x 29.88% x 50 days / 360 days** = SAR 514.00
    • Retail transaction since date of payment (April 29th) until statement issuance date (May 7th): SAR 10,000 x 29.88% x 9 days / 360 days** = SAR 74.70
    • Cash balance since last statement issuance date (April 7th) until date of payment (April 29th): SAR 6,110.30 x 29.88% x 21 days / 360 days = SAR 106.50
    • Cash balance since date of payment (April 29th) until statement issuance date (May 7th): SAR 3,110.30 x 29.88% x 9 days / 360 days = SAR 23.23

    Total interest charges billed in the statement of May 7th will be SAR 619.44

    **Interest on retail transactions is calculated on a daily basis since date of transaction, if the outstanding balance is not fully settled by the payment due date.

    Example 3 (Month 3): Starting May 7th, Cardholder will have the carry forward balance of SAR 13,729.73. In case the customer does following transactions during this month:

    • Partial payment of SAR 3,500 on May 10th
    • Retail transaction of SAR 3,000 on May 16th
    • Cash withdrawal transaction of SAR 600 on May 18th

    Interest charges will be calculated as per the following:

    • Retail balance since last statement issuance date (May 7th) until date of payment (May 10th): SAR 10,489.70 x 29.88% x 2 days / 360 days = SAR 17.41
    • Retail balance since date of payment (May 10th) until statement issuance date (June 7th): SAR 10,000 x 29.88% x 29 days / 360 days = SAR 240.70
    • Cash balance since last statement issuance date (May 7th) until date of payment (May 10th): SAR 3,240.03 x 29.88% x 2 days / 360 days = SAR 5.38
    • Cash balance since date of payment (May 10th) until statement issuance date (June 7th): SAR 229.73 x 29.88% x 29 days / 360 days = SAR 5.53
    • New cash advance since date of transaction (May 18th) until statement issuance date (June 7th)* : SAR 675 x 29.88% x 21 days / 360 = SAR 11.77

    Total interest charges billed in the 7th of June statement will be SAR 280.79

    Foreign Payment example

    • Assuming a conversions rate from currency A to Saudi Riyal: 2.5%
    • Amount in Saudi Riyal: SAR 1,000 + (SAR 1,000 x 2.5%) = SAR 1,025
    • Foreign currency transaction fees: SAR 1,025 x 2.2% = SAR 22.55
    • Total transaction payment in Saudi Riyal: SAR 1,025 + SAR 22.55 = SAR 1,047.55
    • The conversion from foreign currency to Saudi Riyal is done by the respective schemes that are VISA/MasterCard as per their prevailing rates for the day

    Disclosure Schedule

    Card APR Annual Interest Rate Monthly Minimum Payment % Months to Payoff Balance Annual Fee
    Platinum 66.22% 26.4% 5% 72 7,000  SAR 300
     Platinum Plus 34.33% 29.88% 5% 78 7,000 Free
    Mazeed Cashback 52.43% 26.4% 5% 72 7,000  SAR 200
    Infinite 45.02% 26.4% 5% 72 7,000  SAR 700
  • Home Finance Example
    APR Example
    Property Value LTV Ratio Fixed or Floating rate APR Loan Tenor Payment type Monthly Installment Early settlement fees
    1,000,000 90% Fixed 6.48% 10 Years Principle and profit amount 10,125 3 months future profit
    APR Example
    Property Value LTV Ratio Fixed or Floating rate APR Loan Tenor Payment type Monthly Installment Early settlement fees
    1,500,000 90% Fixed 7.22% 20 Years Principle and profit amount 10,462 3 months future profit
    APR Example
    Property Value LTV Ratio Fixed or Floating rate APR Loan Tenor Payment type Monthly Installment Early settlement fees
    2,000,000 90% Fixed 7.36% 30 Years Principle and profit amount 12,125 3 months future profit
  • Auto Lease Financing Example

    Salary Transfer Auto Lease Financing

    • Example 1:For New Auto Finance of SAR 100,000 over 60 months, the APR will be 10.33% and the monthly installment will be SAR 1,715
    • Example 2:For Certified Pre-Owned Auto Finance of SAR 100,000 over 48 months, the APR will be 12.90% and the monthly installment will be SAR 2,415
    • Example 3: For 50/50 Program Auto Finance of SAR 100,000 over 24 months, the APR will be 12.66% and the monthly installment will be SAR 1,098

    Non Salary Transfer Auto Lease Financing

    • Example 1:For New Auto Finance of SAR 100,000 over 60 months, the APR will be 11.65% and the monthly installment will be SAR 1,768
    • Example 2:For Certified Pre-Owned Auto Finance of SAR 100,000 over 48 months, the APR will be 14.19% and the monthly installment will be SAR 2,478
    • Example 3: For 50/50 Program Auto Finance of SAR 100,000 over 24 months, the APR will be 12.66% and the monthly installment will be SAR 1,098

    Self-Employed Auto Lease Financing

    • Example 1:For New Auto Finance of SAR 100,000 over 60 months, the APR will be 12.57% and the monthly installment will be SAR 1,797
    • Example 2:For Certified Pre-Owned Auto Finance of SAR 100,000 over 48 months, the APR will be 15.45% and the monthly installment will be SAR 2,540
    • Example 3: For 50/50 Program Auto Finance of SAR 100,000 over 24 months, the APR will be 12.66% and the monthly installment will be SAR 1,098
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