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UAE to Qatar - Existing Loans in UAE

328

Posts

EW EXPLORER

Latest post on 20 February 2012 - 12:13

Has anyone successfully relocated from UAE to Qatar for work, whilst keeping their UAE bank account open, and continuing to pay off their loan with their usual monthly payments? Was there any issues with the Qatar visa based on having a UAE bank account/loan still open? Im considering a move there but have a loan I cant pay off and I already know that Qatar banks dont give loans or credit cards for the first year. TIA

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6

Posts

EW NEWBIE

Latest post on 21 February 2012 - 17:27

A lot of the bigger companies do this regardless of what they said in relation to liability in the credit letter. Qatar Airways certainly does as I fell foul of this when I changed jobs. Yes they don't technically freeze the account but they take any loan and credit card facilities back so unless you've got a very good balance it's the same thing! I know that, for example, the standard HSBC banking letter contains a promise to inform the bank if the employee will no longer be paid his/her salary into that account. Not everyone does though. Good points in the above post . It's best not to follow The H.S.B.C template as it just makes the company liable and to also put a waiver on the end rejecting any liablility . Being cute is usually the best option when doing business with Middle Eastern Banks

616

Posts

EW GURU

Latest post on 21 February 2012 - 17:12

A lot of the bigger companies do this regardless of what they said in relation to liability in the credit letter. Qatar Airways certainly does as I fell foul of this when I changed jobs. Yes they don't technically freeze the account but they take any loan and credit card facilities back so unless you've got a very good balance it's the same thing! I know that, for example, the standard HSBC banking letter contains a promise to inform the bank if the employee will no longer be paid his/her salary into that account. Not everyone does though.

6

Posts

EW NEWBIE

Latest post on 21 February 2012 - 16:25

Not that this helps the OP but companies in Qatar must inform your bank when your last working day/pay cheque will be. The bank will not, contrary to popular belief, freeze your account. It will limit the balance so that it doesn't fall below any outstanding debt that you have - but any monies that you have above the amount owed will be available. There is no law which governs private companies to inform the bank of a final settlement payment . It's at the companies discretion . Companies do this as they usually do not follow the basic rules when writing an employers no objection letter for a bank account in the first place and therefore they could be liable for any unsecured credit . Bank accounts can be frozen and i know of ex residents here who have had trouble with a certain bank due to payment issues . I do actually find the banking system here in Qatar is better than what i have encountered in other Gulf countries . There seems more professionalisim here than Dubai , that's a personal expereience though , no doubt there's the usual horror stories around.

514

Posts

EW GURU

Latest post on 21 February 2012 - 11:30

Not that this helps the OP but companies in Qatar must inform your bank when your last working day/pay cheque will be. The bank will not, contrary to popular belief, freeze your account. It will limit the balance so that it doesn't fall below any outstanding debt that you have - but any monies that you have above the amount owed will be available.

6

Posts

EW NEWBIE

Latest post on 20 February 2012 - 16:58

Will it not also depend if your current company ( That is if you work) inform the bank that you are leaving your job. If so, your bank account will be frozen if you have any outstanding debt. That's a very good point , some companies in the U.A.E will inform the bank that the final salary payment is due at a specific time and any monies owed should be deducted from this payment . This is usually if a company has guaranteed the employee and underwritten any specific unsecured credit . Most companies will state in their initial letter to the bank that they hold zero responsibility for the employees credit or debt accrual and they are at no liablity of any loss that is subjected through to the bank .

3863

Posts

EW MASTER

Latest post on 20 February 2012 - 16:19

Will it not also depend if your current company ( That is if you work) inform the bank that you are leaving your job. If so, your bank account will be frozen if you have any outstanding debt.

6

Posts

EW NEWBIE

Latest post on 20 February 2012 - 16:05

Your visa situation here in Qatar will not be affected by any loan or debt that you now have in the U.A.E . Technically you cannot have a bank account or debt in the U.A.E if you do not hold a residence visa . Going to your U.A.E bank could be a doubler edged sword or sorts . If you tell them that you're leaving they could technically impose a travel ban and submit a police case until the debt is payed in full . I know this sounds a very serious way of doing things but believe me banks in The Middle East are less than we say proactive with their customer service. If you have a decent relationship with the bank then you couuld be upfront but there's no guarantee that you'll get the result you want . You can also leave , come to Qatar and transfer your money each month to keep up the payments on the debt . The bank will be none of the wiser as long as the payments are met as your agreement. On the subject of loans and credit here in Qatar your info is off the mark . Credit and loans can be issued immediatley as long as you meet certain criteria set by the specific bank . Obviously you'll need employers permission and all depending what your monthly salary is then that will depend on whats on offer to you as an individual . My advice and i've seen a lot of expats fall foul in Dubai is to make a very measured choice but never ever put your liberty at stake here in The Gulf.

616

Posts

EW GURU

Latest post on 20 February 2012 - 14:00

Is it that the bank won't give the loan/credit card or that your employer won't give the supporting letter. Def not the case with the banks - I know many, many people who got (eg) a car loan immediately.

156

Posts

EW NEWBIE

Latest post on 20 February 2012 - 13:33

I already know that Qatar banks dont give loans or credit cards for the first year. Never heard of this.. I got a car loan after working for three months (they want to see three months of your salary statements) and they really tried to get me to have a credit card at the same time

616

Posts

EW GURU

Latest post on 20 February 2012 - 13:23

Another unhelpful reply from me but I know someone who's done it the other way round without a problem. I think you'll need to find someone who'd willing to guarantee the loan though.

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