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Loans with the 3 Letter Bank...

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1336

Posts

EW OLDHAND

Latest post on 17 March 2013 - 16:46

Ok, thanks ladies given me some ideas to look at! No gold here, unfortunately. (Not yet, anyway)

431

Posts

EW EXPLORER

Latest post on 13 March 2013 - 08:40

I had a loan from emirat-- money which is somehow linked to your bank. They gave me a two year loan which I cleared in 8 months. It was pretty straight forward. They did an auto deduction from my acct (also in yr bank) every month and once I told them I wanted out they calculated the 1% of my remaining balance and asked to pay the amount. and that was that....maybe my math sucks but I actually paid less than anticipated. They also have a loan against gold so no security chq is needed there either (if you have that much gold ha ha ha) anyway, they give you 80% of its value. Also not a bad alternative.

2287

Posts

EW EXPERT

Latest post on 13 March 2013 - 08:06

If you want to pay of the loan in 2 years, get them to make you an offer that does. The early pay off percentage is very tricky, conditions may vary per bank and even within a bank since they will have several different consumer loan schemes with different conditions. I would say that you need the loan to be fully paid off before you leave Dubai. Anyway you're probably better off by getting a loan in your home country to pay of the outstanding amount here, then start making the payments to your home bank. <em>edited by Oopsiedaisy on 13/03/2013</em>

1336

Posts

EW OLDHAND

Latest post on 12 March 2013 - 17:21

I suppose what I mean is that I'd really only want to pay it off in 1-2 years as opposed to 4 like they say on the website... really not sure if I will be here that long. If I had the loan, does it need to be paid in full for me to leave Dubai, or is a payment plan with the bank from my bank back home acceptable to let me leave?

3863

Posts

EW MASTER

Latest post on 12 March 2013 - 17:06

Ok, thanks Polly. So they early payment thing is like if you want to do a lump sum, I guess it would only be allowed once or twice a year (from what I gather on their site) so I would be better off putting the extra aside until I have a bigger amount and paying it in a lump sum. 1% of remaining is not so bad I guess. I think they front load the interest so if you pay it off too early it costs too much Towards the end it becomes cheaper. I would let it run its course however ask them what it would cost to settle early at certain stages

1336

Posts

EW OLDHAND

Latest post on 12 March 2013 - 15:45

Ok, thanks Polly. So they early payment thing is like if you want to do a lump sum, I guess it would only be allowed once or twice a year (from what I gather on their site) so I would be better off putting the extra aside until I have a bigger amount and paying it in a lump sum. 1% of remaining is not so bad I guess.

4423

Posts

EW MASTER

Latest post on 12 March 2013 - 15:42

Hi I don't know about this bank, but with HSBC, you can repay early, but yes like EBD you have to pay for the priviledge, but only at that time, you can't repay more each month, that is not allowed. And when you want to pay the full remaining amount off, it is 1% of the remaining loan, not the whole amount. HTH

1336

Posts

EW OLDHAND

Latest post on 12 March 2013 - 15:11

Oh meant to add I would prefer to hear from ladies here rather than the staff as the ones in my local branch are less than helpful...! ;)

1336

Posts

EW OLDHAND

Latest post on 12 March 2013 - 14:59

Hi ladies, I tried to use the search function but couldn't find specifically what I was looking for... I just have a couple questions about loans with the Enn Bee Dee bank. 1. Their site says you must have your salary put into their bank (which I do) am assuming this means they deduct the monthly replayment automatically when salary goes in? 2. If you want to pay off the loan early they say there's a 1% charge of the loan amount- am assuming this would apply every time you made any extra payment? So it probably wouldn't be feasible to pay extra every month as it would push the cost up... Also am a bit scared to have a loan here since you hear so many horror stories, however with the $AUD being so high still and me earning in Dhs it makes more sense to just be done with it, borrow it Dhs and pay off my Aussie credit card in full then pay it back in the currency I am earning in. Anyone been in my shoes and have any advice/experiences? I would also be having the loan guaranteed by my employer (you know who, the big airline) so am guessing it wouldn't involve security cheques etc since they usually go after outstanding monies when we resign anyway...? I.e. they are responsible and have access to our salary to cover anything we don't pay, if we decide to leave the country they will know about it anyway. Just worried if for any reason a payment gets missed I don't want a travel ban since travel is my job! TIA

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