حاسبة القرض الشخصي: السعر الثابت مقابل المتناقص

القواعد التي تستند إليها الحاسبة

• A personal loan can be at most 20 times the borrower's monthly salary or total income. The same limit applies to nationals and expats.مؤكد من المصدر الرسمي: CBUAE Regulation No. 29/2011, Article 2(b) (Personal Loan)
• A personal loan can run for at most 48 months. The same limit applies to nationals and expats, except for loans the Central Bank exempts.مؤكد من المصدر الرسمي: CBUAE Regulation No. 29/2011; CBUAE Regulations for UAE Nationals (N 13/1187/2013), Article 2(c)
• Interest on personal loans, car loans, overdrafts and card balances must be calculated on the reducing balance, on an annual basis (365-day year), and advertised that way.مؤكد من المصدر الرسمي: CBUAE Regulation No. 29/2011, Article 6(a)-(b)
• A bank that advertises a flat rate must show the equivalent effective (reducing-balance) rate next to it. Banks must also give the expected APR, including all fees, for comparison.مؤكد من المصدر الرسمي: CBUAE Clarifications and Guidelines Manual for Regulation 29/2011; CBUAE Consumer Protection Standards (Circular 8/2020), Manual guidance on Article 6; Standards s.2.1.3.2 and s.2.3.1.13
• The fee for settling a personal (consumer) loan early, or partly, is at most 1% of the outstanding balance, capped at AED 10,000, whichever is less.مؤكد من المصدر الرسمي: CBUAE Regulation No. 29/2011, Article 20(b); Appendix No. 2 (Consumer Loans)

نص القواعد بالإنجليزية كما تحققنا منه من المصادر الرسمية.

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