Documentation, Interest Rates, Fees and charges
Documentation and Other Criteria
Documents | Income Documents |
Minimum Income | AED 5,000
|
Valid Passport and Visa Page | ![]() |
Latest Salary certificate or Carbonized Pay slip | ![]() |
Bank Statements (Lastest 3 months) | ![]() |
Post dated cheques | ![]() |
One undated security cheque | ![]() |
Trade License copy | ![]() |
Interest Rates
Interest Rates | 10% - 26%* |
*Reducing rate of interest
Fees and Charges
Details | Rate/Charges |
Processing Fees – Salaried | 1% of principal loan amount (Min AED500) |
Credit Life Insurance | 0.75% of principal loan amount |
Disclaimer:
Smart Loan facility is offered at the sole discretion of ADCB and is subject to standard ADCB Terms & Conditions.

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