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Documentation, Interest Rates, Fees and charges

Documentation and Other Criteria

DocumentsIncome Documents
Minimum IncomeAED 8,000
Valid Passport and Visa Pagetick
Latest Salary certificate or Carbonized Pay sliptick
Bank Statements (Lastest 3 months)tick
Post dated chequestick
One undated security chequetick
Trade License copycross

Interest Rates

Interest Rates18% - 24%*

*Reducing rate of interest

Fees and Charges

Processing Fees Salaried1% of principal loan amount (Min AED500)
Credit Life Insurance0.75% of principal loan amount
Smart Loan facility is offered at the sole discretion of ADCB and is subject to standard ADCB Terms & Conditions.
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