Asset Pricing and EIBOR/SOFR

Personal Loans
Segment Monthly Salary Reducing Interest Rate per annum
HNW Segment >=AED 80k 9.49%
Affluent Segment AED 15k - AED 79.9k 10.49%
Mass Segment < AED 15k 13.49%
Personal Finance
Segment Monthly Salary Reducing Interest Rate per annum
HNW Segment >=AED 80k 9.49%
Affluent Segment AED 15k - AED 79.9k 10.49%
Mass Segment < AED 15k 13.49%
Auto Loans - New & Used Cars
Applicable for Salaried & Self Employed
Segment Monthly Income Reducing Interest Rate per annum
HNW Segment >=AED 80k 7.79%
Affluent Segment AED 15k - AED 79.9k 8.49%
Mass Segment < AED 15k 8.69%
Company - 8.99%
Auto Finance - New & Used Cars
Applicable for Salaried & Self Employed
Segment Monthly Income Reducing Interest Rate per annum
HNW Segment >=AED 80k 7.79%
Affluent Segment AED 15k - AED 79.9k 8.49%
Mass Segment < AED 15k 8.69%
Company - 8.99%
Home Mortgage Loans - Reducing Rates
Applicable for Salaried & Self Employed
Segment Monthly Income Variable rates
HNW Segment >=AED 80k 3m EIBOR + 3.29% margin Min 5.99%
Affluent Segment AED 15k - AED 79.9k 3m EIBOR + 4.29% margin Min 6.99%
Mass Segment < AED 15k 3m EIBOR + 5.29% margin Min 7.99%
Home Mortgage Finance - Reducing Rates
Applicable for Salaried & Self Employed
Segment Monthly Income Variable rates
HNW Segment >=AED 80k 3m EIBOR + 3.29% margin Min 5.99%
Affluent Segment AED 15k - AED 79.9k 3m EIBOR + 4.29% margin Min 6.99%
Mass Segment < AED 15k 3m EIBOR + 5.29% margin Min 7.99%
Overdraft - Reducing Rate per annum
Applicable for Salaried & Self Employed
Segment Monthly Income Salary Transfer/Non Salary Transfer FD under Lien
HNW Segment >=AED 80k 9.49% FD + 1%
Affluent Segment AED 15k - AED 79.9k 10.49% FD + 1%
Mass Segment < AED 15k 13.49% FD + 1%
Identifier As of 20th May 2024
EIBOR - 3 month 5.20
SOFR - 3 month 5.33

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