Abu Dhabi Islamic Bank ADIB – El Yosr Self-Employed Program


Advertised Rate


Monthly Repayment


Loan Amount

Type of Loan - No Salary Transfer

No Salary Transfer

With Salary Transfer

Features & Benefits

Loan Amount


Loan Term

Up to 5 years.

Competitive Interest Rate

Free life insurance.


  • The minimum age should not be less than 21 years old, and the maximum age is 65 years old
  • The banking Finance program is compliant with Islamic law
  • Finance up to 40% of the burden in case of submitting bank statement of ADIB
  • Finance up to 30% of the burden in case of submitting bank statement of other banks
  • An easy and quick approval process
  • Takaful Life Insurance lasting till the program tenor ends
  • No down payment required
  • N0 Salary transfer is required
  • El yosr self-employed program available for Egyptians only

Documents Required

  • Valid National ID for Egyptians
  • Recent residence utility bill (maximum 3 months)
  • Commitment letter to transfer the salary from the employer
  • Loan Application form

Fees & Charges

  • 2.5% administrative fee
  • 5% for early payment calculated on the unpaid amount
  • 2% for late payment fee per instalment
  • 0.0005% proportional stamp duty collected quarterly

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