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EXPAT loans

Michelle110971906

36

Posts

EW NEWBIE

Latest post on 18 February 2013 - 15:58

morning

has or did any one get a loan when they 1st moved to dubai? if you did can you tell me,
Did you have to wait 3 months (3 months statements provided request) or did anyones bank do a loan on the understanding they can see who your employed with and proof of you salary? and salary paid in to their account

Thanks in advance
michelle

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Anonymous (not verified)

0

Posts

EW NEWBIE

Latest post on 19 February 2013 - 10:37

I know this was not your question but I must mention that coming to UAE having to take out a loan is not the best way to start off. I don't know your circumstances so maybe this does not apply to you, but until you are settled here with some sort of "job security" (if that even exists anymore!), I would think twice about taking out a loan. Some may disagree but if the only way to manage financially here (especially in the beginning as start up) is through loans, then you may want to reconsider. I agree with Sakhifa - nothing is secure, especially at the moment. There are few secure jobs here, if any. Think carefully before getting your entangled in something you will not be able to get out of quickly should your visa be cancelled. Cancellations happen daily at all levels!

HereComesTheSun

544

Posts

EW GURU

Latest post on 19 February 2013 - 09:02

I understand the point you are making Sakhifa, but sometimes people simply don't have any choice but to go down that particular route (for example, Dubai's ridiculous 1-cheque rent system and extortionate education fees). Assuming this loan would be for rent, try asking your employer to loan you the money rather than a bank through a salary advance (I've been very lucky with employers agreeing to help out like this). If that's not possible, rent a place that will take 4 cheques and just borrow the much smaller initial payment from the bank. You should have enough by cheque 2 to start paying it yourself. If its for anything else (especially personal 'luxury' items that you could do without), I'd seriously reconsider for the reasons outlined by Sakhifa. You're presumably still in your probation period and this really isn't the place to be defaulting on debt repayments. <em>edited by HereComesTheSun on 19/02/2013</em>

1120

Posts

EW OLDHAND

Latest post on 19 February 2013 - 08:47

I know this was not your question but I must mention that coming to UAE having to take out a loan is not the best way to start off. I don't know your circumstances so maybe this does not apply to you, but until you are settled here with some sort of "job security" (if that even exists anymore!), I would think twice about taking out a loan. Some may disagree but if the only way to manage financially here (especially in the beginning as start up) is through loans, then you may want to reconsider.

Anonymous (not verified)

0

Posts

EW NEWBIE

Latest post on 19 February 2013 - 06:33

Banks also have a rule that the company you're working for is an approved company. Not sure what the exact criteria for that are, but check with your company if they are an approved company. Usually it's the bank they do business with and you probably also receive your salary by the same bank.

lookin4inspiration

61

Posts

EW NEWBIE

Latest post on 19 February 2013 - 00:51

Yes we took a loan within a month of movin to Dubai. It was with the bank that holds my DH's salary account so maybe that's why.

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