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First Abu Dhabi Bank -Audi — Personal Loan

Calculate your installment

Personal Loan
RateThis is the flat rate. On a declining balance basis, the declining rate is 23.53%.
13.2%
Monthly payment
3,933 EGP
Total payment
141,600 EGP
Continue to bankDetails
Flat rate
13.2%
Declining rate
23.53%
Annual cost rate (APR)
25.71%
Monthly payment
3,933 EGP
Total interest
39,600 EGP
Total payment
141,600 EGP

The real yearly cost including upfront fees — use it to compare banks.

What you actually receive

Amount requested
100,000 EGP
Fees deducted upfront
2,000 EGP
Paid into your account
98,000 EGP
Total you repay
141,600 EGP

Upfront fees are deducted from the loan when it is paid out, but interest is charged on the full amount.

Repayment schedule

No.InstallmentPrincipalInterestFeesRemaining
13,933 EGP2,778 EGP1,100 EGP56 EGP97,222 EGP
23,933 EGP2,778 EGP1,100 EGP56 EGP94,444 EGP
33,933 EGP2,778 EGP1,100 EGP56 EGP91,667 EGP
43,933 EGP2,778 EGP1,100 EGP56 EGP88,889 EGP
53,933 EGP2,778 EGP1,100 EGP56 EGP86,111 EGP
63,933 EGP2,778 EGP1,100 EGP56 EGP83,333 EGP
73,933 EGP2,778 EGP1,100 EGP56 EGP80,556 EGP
83,933 EGP2,778 EGP1,100 EGP56 EGP77,778 EGP
93,933 EGP2,778 EGP1,100 EGP56 EGP75,000 EGP
103,933 EGP2,778 EGP1,100 EGP56 EGP72,222 EGP
113,933 EGP2,778 EGP1,100 EGP56 EGP69,444 EGP
123,933 EGP2,778 EGP1,100 EGP56 EGP66,667 EGP
Show remaining 24 months
No.InstallmentPrincipalInterestFeesRemaining
133,933 EGP2,778 EGP1,100 EGP56 EGP63,889 EGP
143,933 EGP2,778 EGP1,100 EGP56 EGP61,111 EGP
153,933 EGP2,778 EGP1,100 EGP56 EGP58,333 EGP
163,933 EGP2,778 EGP1,100 EGP56 EGP55,556 EGP
173,933 EGP2,778 EGP1,100 EGP56 EGP52,778 EGP
183,933 EGP2,778 EGP1,100 EGP56 EGP50,000 EGP
193,933 EGP2,778 EGP1,100 EGP56 EGP47,222 EGP
203,933 EGP2,778 EGP1,100 EGP56 EGP44,444 EGP
213,933 EGP2,778 EGP1,100 EGP56 EGP41,667 EGP
223,933 EGP2,778 EGP1,100 EGP56 EGP38,889 EGP
233,933 EGP2,778 EGP1,100 EGP56 EGP36,111 EGP
243,933 EGP2,778 EGP1,100 EGP56 EGP33,333 EGP
253,933 EGP2,778 EGP1,100 EGP56 EGP30,556 EGP
263,933 EGP2,778 EGP1,100 EGP56 EGP27,778 EGP
273,933 EGP2,778 EGP1,100 EGP56 EGP25,000 EGP
283,933 EGP2,778 EGP1,100 EGP56 EGP22,222 EGP
293,933 EGP2,778 EGP1,100 EGP56 EGP19,444 EGP
303,933 EGP2,778 EGP1,100 EGP56 EGP16,667 EGP
313,933 EGP2,778 EGP1,100 EGP56 EGP13,889 EGP
323,933 EGP2,778 EGP1,100 EGP56 EGP11,111 EGP
333,933 EGP2,778 EGP1,100 EGP56 EGP8,333 EGP
343,933 EGP2,778 EGP1,100 EGP56 EGP5,556 EGP
353,933 EGP2,778 EGP1,100 EGP56 EGP2,778 EGP
363,933 EGP2,778 EGP1,100 EGP56 EGP0 EGP

Fees

Early settlement
6%
Admin fee
2%
Late payment penalty
125 EGP

Who can apply

Age
21 to 60 years old at the end of the loan term
Minimum salary
5,000 EGP
Salary transfer
Full salary transfer
Employment type
Employee
Company sector
Government, Multinational, Private local, Public sector

Under Central Bank of Egypt rules, your total monthly installments cannot exceed 50% of your income.

Required documents

Frequently asked questions

What is a personal loan and how does repayment work?

A personal loan is an amount a bank lends you that you repay through fixed monthly installments over an agreed period; each installment covers part of the principal and part of the interest. Use the calculator on this page to see an estimated monthly installment before deciding anything.

What determines the interest rate you're offered?

The rate a bank offers varies and is shaped by factors such as your employment type (employee, self-employed, or professional), whether you transfer your salary to that bank, your credit history, and the loan amount and tenor. That's why the offers you see change based on what you enter in the calculator.

What's the difference between flat and declining-balance interest?

Flat interest is calculated on the full original loan amount for the whole term, while declining-balance interest is calculated only on the remaining balance, which shrinks with each installment you pay. Two loans can quote the same-looking rate yet cost different amounts in practice — ask the bank which method it uses before comparing offers.

What documents are typically required to apply?

Required documents vary by bank, but typically include proof of identity, proof of income (such as a salary certificate or bank statement), and proof of address. Check each offer's details page in your calculator results to see exactly what that bank asks for.

What does salary transfer mean, and why does it change your offer?

Salary transfer means your monthly salary is deposited into an account with the bank that granted the loan. Some banks offer better rates or easier terms to customers who transfer their salary, because it lowers the bank's risk of missed payments — that's why the calculator asks about your salary-transfer status before showing results.

What does early settlement mean?

Early settlement means paying off the remaining loan balance in one payment before the agreed term ends. Most banks charge a fee for this, and the percentage varies by bank and by product — you'll find that percentage, where available, on each offer's details page.

What happens if you miss a payment?

Missing a payment can lead to late fees from the bank and a negative mark on your credit record with Egypt's credit-reporting bodies, which can make future financing harder to get. If you expect difficulty paying, it's best to contact your bank early to discuss the options available rather than staying silent.

Where do the numbers on this page come from, and how current are they?

The offers and rates shown in your calculator results come from bank data we collect and update on an ongoing basis — they are not figures we invent or estimate ourselves. Even so, the actual rate at the time you apply can change, so we always recommend confirming final terms directly with the bank before signing.

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