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1. Salary Assigned ?
Yes2. Customer Type?
SaudiFinancing 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
*Subject to terms and conditions.
1. Select Credit Card ?
Platinum Credit CardSelect Credit Limit SAR
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
*Subject to terms and conditions.
1. Select Home Finance?
Ijarah Home FinanceProperty 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 ?
Yes2. Approved Employer?
Yes3. First Property?
YesMaximum 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
*Subject to terms and conditions.
1. Select Auto Lease Type ?
New Cars2. Select Finance Type ?
Salary Assigned3. Select Model Type ?
Same year modelSalary 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?
Saudi2. Car Type ?
Standard/ Luxury CarsFinance 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
*Subject to terms and conditions.
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% |
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:
Islamic Salary Transfer Financing
Islamic Non – Salary Islamic Financing
Islamic Balance Transfer Personal Financing
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.
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:
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:
Interest charges will be calculated as per the following:
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.
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:
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:
Interest charges will be calculated as per the following:
Total interest charges billed in the 7th of June statement will be SAR 280.79
Foreign Payment example
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 |
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 |
Salary Transfer Auto Lease Financing
Non Salary Transfer Auto Lease Financing
Self-Employed Auto Lease Financing