Overview :

What do you need to improve your life, right now? Is it another degree to help you secure a leading position in your industry; a decorating budget for your home; your child’s education; or a break away from the pace of life?

With UNB’s Expat Loan you’ll get the financial assistance you need to take that next step – and we’ll make sure that it happens quickly and efficiently. And we’ll remain by your side as your roots within the UAE grow, making sure that additional loans are available as your financial demands increase.


Features :

  • Interest rates starting from 5.68% per annum
  • Pay low monthly instalments
  • Borrow up to 20 times your monthly salary
  • Repay over a period of up to 48 months
  • Get competitive interest rates
  • Up to 2 instalment postponements per year
  • Get a free UNB credit card


Eligibility :

  • UAE resident expatriates
  • Earning at least AED 5,000 per month
  • At least 20 years, 5 months & 7 days old (at application)
  • At most 59 years 11 months old (at loan maturity)


Tariffs & Fees :

Processing fee 1.05% of the principal loan amount (min AED 525 – max 2,625)
Insurance fee 0.80% of the total loan amount upfront (min AED 100)
Early settlement charges 1.05% of the outstanding balance (subject to maximum of AED 10,500)
Partial payment charges 1.05% of partial payment amount (subject to maximum of AED 10,500)
Late payment charges AED 210
Loan rescheduling fee AED 262.50
Postponement fee AED 105 per postponement
Credit card fees As per credit card policy
ROD fees AED 210
Other Fee (Loan copy, etc.) AED 26.25
Issuance of Liability Letter AED 63
Loan Cancellation Fee AED 105
VAT Fees & Charges are in line with UAE Central Bank policies and inclusive of VAT (Value Added Tax)

Terms & conditions apply :

  • The bank reserves the right to change the interest rates, fees & tariffs, charges and terms & conditions at its own discretion, without any prior notice
  • Approval of loans is at the discretion of the bank