Fully Shariah-compliant
Low and competitive profit rate
Available for both Saudis and expats
Available for both salary transfer & non-salary transfer
Finance amounts up to SAR 3,000,000
Flexible repayment period of 12 up to 60 months
Waiver of outstanding amount in case of death or permanent disability, God forbid
Quick Turnaround time for all applications
No guarantor required
Financing options for retired customers
Possibility of early repayment at any time based on request
Installments deferment
Option of partial payment

Administrative fees equivalent to 1% of the financed amount, capped at SAR 5,000

Product terms and requirements:

  • Minimum age: 21 years
  • Minimum salary: SAR 5,000 /Saudis and SAR 8,000 for expats
  • Customer age: maximum age 60 years (at the time of maturity of the loan)
  • Nationality: Saudi nationals or expats
  • Financing option available for employees of both approved and non-approved employers with Emirates NBD
  • Top up after paying off a minimum of 20%

Required documents:

  • National ID or passport for residents
  • Salary certificate
  • GOSI certificate
  • National address letter

1. Salary assigned?

2. Customer type?

SAR 20,000 SAR 3,000,000
1 Year(s) 5 Year(s)
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.



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With personal finance, monthly installment is



APR may differ depending on the amount and maturity period and subject to credit scoring of each customer

*Subject to terms and conditions.

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