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Personal Finance

Specifically designed to cater to your needs.

Warning:
1- If customer fails to pay any installment for any reason the remaining installments shall become immediately due and payable
2- You may have to pay penalties if you pay off a finance early
3- If you do not meet the repayments/payments on your finance, your account will go into arrears. This may affect your credit rating, which may limit your ability to access financing in the future
4- Refinancing your finance may take longer to pay off than your previous finance and may result in paying more profit

Choose between Goods or Services Finance

Investing in a new project and need cash liquidity? furnishing your home, or making sure that your children get the best education possible? Whatever your needs are, we are here to help get you closer to achieving your goals.

Personal Finance - Cash Out Liquidity

  • Bonds Finance
  • Shares Finance
Apply Now

Personal Finance - Services

  • Holiday packages / Air tickets
  • Umrah
  • Education
  • Medical treatment
  • House/Flat / office/ shop annual rent
  • Wedding & Events expenses
Apply Now

Personal Finance – Goods

  • Furniture
  • Electronics
  • Household Appliances
  • Building Materials & Tools
  • Personal Computers & Lap Tops
  • Boats, Motorcycles & machineries*
Apply Now

Calculate your monthly Personal Finance installments

personal-financing
Personal Finance For all your lifestyle needs.
  • Please select your nationality

Finance Amount (Use progress bar or edit amount manually):
AED

100001000000

Tenure (Use progress bar or edit tenure manually):
Months

1 Years4 Years

These calculations are for illustration purpose only and based on an average rate. Actual calculation might differ. . ..

Apply Now

Installment

Installment

AED

445

Monthly Payments personal-financing

Our commitment to unparalleled service

Convenient monthly
installments and
competitive rates

Get approved quickly
and easily for high
finance amounts

Enjoy flexible repayments
with a grace period
of up to three months
on the first installment

Required Documents
  • Application form
  • Passport & Emirates ID copy
  • AECB
  • Minimum Salary AED 5,000
  • Salary certificate
  • Liability Certificate issued by other bank ( If applying for Liability Takeover)
  • Quotation from vendor (If applying for Goods Murabaha/Service Ijarah) 
  • Three-month bank statement
  • View Terms and Conditions

What would you like to do?

Give us feedback

Write to us and we will get back to you soon.

Calculate installments

Missed the calculator? Get your monthly repayment details instantly.

Apply Now

The online application takes only a few minutes to fill out.

Frequently asked questions

What's the difference between Murabaha and Ijarah personal finance?

Murabaha covers finance solutions for goods, while Ijarah covers services.

Yes, you can apply for our Ijarah Services solution under SIB's Personal Finance umbrella to cover rent for not only your home, but also office and commercial space.

The exact processing period for applications depends on personal circumstances, but you can rest assured that our approvals are generally fast and straightforward.

All you need to do is visit the Online Banking page through www.sib.ae and register as a new user of a retail account. You should have your card or account number and verification code ready to create your user ID and complete the process.

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