Secured Loans

Get a secured loan against your fixed deposits with NBAD

If you have a fixed deposit with NBAD, you can secure a personal loan against its value to help you achieve your financial goals sooner

  • Generous loan amounts

    Up to AED 5 million, or 95% of the fixed deposit amount for UAE Nationals and expats

  • Flexible repayment terms

    Take up to 48 months to repay through your NBAD account

  • Variable interest rates

    Low interest rates from 2.49%* p.a.

Required documents

  • Salary Certificate
  • Pledge on Fixed Deposit
  • Completed and signed branch application form
  • Copy of valid Passport / Visa / Emirates ID (Originals must also be presented)

Fees and charges

Processing Fee 1% of loan amount (min. AED 500, max. AED 2,500)
Processing Fee on top-ups loan 1% of the top-up amount (min. AED 500, max. AED 2,500)
Loan Cancellation Fee AED 100 (if cancelled before disbursal)
Life Insurance Fee 1% upfront on all approved loan amount
Instalment Deferral Fee  AED 100 per deferral
Late Payment Fee 2% of overdue amount (min. AED 50, max. AED 200)
Loan Rescheduling Fee   AED 250
Early Settlement Fees 1% of amount prepaid (if partial settlement)
1% of amount outstanding (if full settlement)
1% of amount outstanding, max AED 10,000 (in case of buyout)

Enter the amounts and the interest rate

Representative example

Monthly repayment:

AED 0

Borrow, invest or save with NBAD

View our wide range of products, including credit cards, mortgages, investment funds and more.

* Terms and conditions apply. All rates quoted are p.a. on reducing loan balance.
Variable rate linked to rate on deposit.

Ways to Apply

Visit a Branch

Talk to our experts about your banking needs

Phone Us

Lines Open 24/7

UAE Helpline

800 22 11

International Helpline

+971 2 635 8001

Email Us

We'll answer your query as soon as possible