Emirates Islamic Bank Personal Loan Customer Care

Personal Loan in UAE

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  • Minimum Salary 5000 AED
  • EMI Tenure up to 48 Months
  • Lowest Interest Rates

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  • Dubai
  • Abu Dhabi
  • Sharjah
  • Ras Al Khaimah
  • Ajman
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Emirates Islamic Bank, founded in 2004, is among the top-rated banks in the UAE. The bank is quite popular for its Shariah-compliant personal finance products, which come with various attractive features and are available for both UAE nationals and expatriates. The list of features includes extended repayment tenures, high finance amounts, and more.

In this article, we will cover all the key details regarding Emirates Islamic Bank personal loan customer care, which can be of help to you in case you wish to learn more about Emirates Islamic Bank personal loans in UAE or have any queries/issues related to the same.

Emirates Islamic Bank Personal Loan Customer Care

If you have an Emirates Islamic Bank personal loan, you can easily connect with the bank’s customer care or Emirates Islamic Bank personal loan customer care by dialling 600 599995. For individuals outside the UAE, the international customer care number is +971 600599995.

Eligibility Criteria for Emirates Islamic Bank Personal Loans

Having gone through the Emirates Islamic Bank personal loan customer care details, let’s check the basic eligibility criteria related to the bank’s personal finance -

  • For both UAE citizens and expatriates, the minimum monthly salary required is AED 10,000.
  • The applicant should be at least 21 years old at the time of applying.
  • For UAE citizens, the maximum age at maturity is 65. For expatriates, on the other hand, this limit is 60 years.
  • The loan repayment tenure under Standard Debt Settlement is 48 months, whereas Special Debt Settlement tenures can extend up to 300 months.
  • The salary of at least one month must be credited to an Emirates Islamic Bank account.

Benefits of Emirates Islamic Bank Personal Loans

Here are some of the key features and benefits of Emirates Islamic Bank personal loans -

  • High finance amount of up to AED 2 million for expatriates and AED 4 million for UAE citizens.
  • Loan tenure up to 48 months or 4 years
  • Simple and quick approval procedure
  • Can be utilised for consolidating debts
  • Attractive profit rates
  • Low processing charges
  • Murabaha structure-compliant
  • Sharia’ based finance product

Required Documents

When applying for Emirates Islamic Bank personal finance, you would be required to keep the following documents ready -

  • Duly filled application form
  • Bank statement for the previous 3 months
  • Copy of a valid passport and an expat residency visa for the UAE (original must be presented for verification)
  • Letter of liability (only in case of buyout)
  • Salary certificate or transfer letter (only for salaried customers)
  • Trade licence (for self-employed applicants)
  • For shares trading, account opening forms would be needed

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Wrapping Up

Emirates Islamic Bank personal finance is a great option if you are seeking funds to easily fulfil a personal requirement. With these personal loans, you can rent properties, consolidate debts, pay for a trip, make renovations to your house, just buy something for yourself, and more.

Emirates Islamic Bank personal loans are available with numerous benefits such as high finance amounts, attractive profit rates, long repayment tenures, and more. For further details or in case of any queries, you can contact Emirates Islamic Bank personal loan customer care.

The following are some frequently asked questions related to Emirates Islamic Bank personal loan customer care -


Q1. On what is the personal finance Murabaha offered by Emirates Islamic Bank is based?

Ans: A Sharia-compliant service, Emirates Islamic Bank’s personal finance product is based on buying and selling certificates known as EI Funding Certificates.

Q2. What distinguishes a loan from personal financing by Emirates Islamic bank?

Ans: Personal loans are conventional loans, where one borrows money and repays it over several years with interest. Personal finance, on the other hand, is a contract-based product compliant with Sharia, where the bank makes a profit by selling an asset. Here, the banks don’t charge interest.

Q3. As an expat what is the maximum amount that can be obtained as a personal loan from Emirates Islamic bank?

Ans: As an expat, you can get an amount of up to AED 2 million as a personal loan from Emirates Islamic Bank.

Q4. What does Murabaha mean in personal finance?

Ans: Murabaha is a Sharia-compliant sales contract in which the seller (Emirates Islamic Bank in this case) sells the certificates to the buyer for the same price as the certificate cost (the finance amount) plus the Murabaha profit.

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