‫מ‬

‫א‬ ‫א‬
‫א‬ ‫א‬ ‫א‬ ‫א‬ ‫א‬
Regulations
Regarding Bank Loans & Other Services
Offered to Individual Customers
 ‫اﻟﻤﺤﺘﻮﻳــــــــــﺎت‬
‫ﺻﻔﺤﺔ‬
Subject ‫اﻟﻤﻮﺿــــــﻮع‬
Page
Introduction 3 ‫ﻣﻘﺪﻣــــــــــــﺔ‬
Objective 3 ‫اﻟﻬـــــــــــﺪف‬
Article (1): Definitions 3 ‫ ﺗﻌﺮﻳﻔﺎت‬: (1) ‫اﻟﻤــﺎدة‬
Article (2): Personal Loan 4 ‫ اﻟﻘﺮض اﻟﺸﺨﺼﻲ‬: (2) ‫اﻟﻤــﺎدة‬
Article (3): Car Loan 5 ‫ ﻗﺮض اﻟﺴﻴﺎرة‬: (3) ‫اﻟﻤــﺎدة‬
Article (4): Overdraft Facilities 6 ‫ ﺗﺴﻬﻴﻼت اﻟﺴﺤﺐ ﻋﻠﻰ اﻟﻤﻜﺸﻮف‬: (4) ‫اﻟﻤــﺎدة‬
Article (5): Credit Cards 6 ‫ ﺗﺴﻬﻴﻼت ﺑﻄﺎﻗﺎت اﻻﺋﺘﻤﺎن‬: (5) ‫اﻟﻤــﺎدة‬
Article (6): Interest 7 ‫ اﻟﻔﺎﺋــــــــــــﺪة‬: (6) ‫اﻟﻤــﺎدة‬
Article (7): Repayment Installments 8 ‫ أﻗﺴـــﺎط اﻟﺴـــﺪاد‬: (7) ‫اﻟﻤــﺎدة‬
Article (8): Army Personnel Loans 9 ‫ ﻗﺮوض ﻣﻨﺘﺴﺒﻲ اﻟﻘﻮات اﻟﻤﺴﻠﺤﺔ‬: (8) ‫اﻟﻤــﺎدة‬
Article (9): Bank Accounts & Related 9 ‫ اﻟﺤﺴﺎﺑﺎت اﻟﻤﺼﺮﻓﻴﺔ واﻟﻌﻤﻮﻻت‬: (9) ‫اﻟﻤــﺎدة‬
Commissions, Fees ‫واﻟﺮﺳﻮم واﻻﺳﺘﻘﻄﺎﻋﺎت‬
and Deductions ‫اﻟﻤﺘﻌﻠﻘﺔ ﺑﻬﺎ‬
Article (10): Personal Banking Services & 10 ‫ اﻟﺨﺪﻣﺎت اﻟﻤﺼﺮﻓﻴﺔ اﻟﺸﺨﺼﻴﺔ‬: (10) ‫اﻟﻤـﺎدة‬
Fees and Commissions ‫واﻟﻌﻤﻮﻻت واﻟﺮﺳﻮم ﻋﻠﻴﻬﺎ‬
Charged on them
Article (11): Interest Rates, 11 ‫ أﺳﻌﺎر اﻟﻔﺎﺋﺪة وﻋﻤﻮﻻت ورﺳﻮم‬: (11) ‫اﻟﻤﺎدة‬
Commissions and Banking ‫اﻟﺨﺪﻣﺎت اﻟﻤﺼﺮﻓﻴﺔ‬
Service Charges
Article (12): Conditions for Opening of 11 ‫ ﺷﺮوط ﻓﺘﺢ اﻟﺤﺴﺎﺑﺎت وﺗﻘﺪﻳﻢ‬: (12) ‫اﻟﻤﺎدة‬
Accounts, Providing of Credit ‫ﺑﻄﺎﻗﺎت اﻻﺋﺘﻤﺎن وﻣﻨﺢ اﻟﻘﺮوض‬
Cards and Granting Loans & ‫واﻟﺘﺴﻬﻴﻼت اﻟﻤﺼﺮﻓﻴﺔ‬
Bank Facilities
Article (13): Shariaah Compliant Banking 12 ً ‫ اﻟﺨﺪﻣﺎت اﻟﻤﺼﺮﻓﻴﺔ اﻟﻤﻘﺪﻣﺔ وﻓﻘﺎ‬: (13) ‫اﻟﻤﺎدة‬
Services ‫ﻟﻤﺒﺎدئ اﻟﺸﺮﻳﻌﺔ اﻹﺳﻼﻣﻴﺔ‬
Article (14): Violations to the Provisions of 12 ‫ ﻣﺨﺎﻟﻔﺔ أﺣﻜﺎم هﺬا اﻟﻨﻈﺎم‬: (14) ‫اﻟﻤﺎدة‬
these Regulations
Article (15): General Provisions 13 ‫ أﺣﻜﺎم ﻋﺎﻣﺔ‬: (15) ‫اﻟﻤﺎدة‬
Article (16): The Provisions of these 13 ‫ أﺣﻜﺎم هﺬا اﻟﻨﻈﺎم ﻻ ﺗﻨﻄﺒﻖ ﻋﻠﻰ‬: (16) ‫اﻟﻤﺎدة‬
Regulations are Not Applicable ‫ﺑﻨﻮك اﻷﻋﻤﺎل وﺑﻨﻮك اﻻﺳﺘﺜﻤﺎر‬
to Wholesale Commercial
Banks and Investment Banks

1
 ‫ﺻﻔﺤﺔ‬
Subject ‫اﻟﻤﻮﺿــــــﻮع‬
Page
Article (17): Responsibilities of the 13 ‫ ﻣﺴﺆوﻟﻴﺔ داﺋﺮة اﻟﺮﻗﺎﺑﺔ واﻟﺘﻔﺘﻴﺶ‬: (17) ‫اﻟﻤﺎدة‬
Banking Supervision & ‫ﻋﻠﻰ اﻟﻤﺼﺎرف‬
Examination Department
Article (18): Cancellation of the Previous 13 ‫ إﻟﻐﺎء اﻟﺘﻌﻤﻴﻢ اﻟﺴﺎﺑﻖ‬: (18) ‫اﻟﻤﺎدة‬
Circular on the Subject
Article (19): Interpretation of these 14 ‫ ﺗﻔﺴﻴﺮ اﻷﺣﻜﺎم‬: (19) ‫اﻟﻤﺎدة‬
Regulations
Article (20): Currently Outstanding Personal 14 ً ‫ اﻟﻘﺮوض اﻟﺸﺨﺼﻴﺔ اﻟﻘﺎﺋﻤﺔ ﺣﺎﻟﻴﺎ‬: (20) ‫اﻟﻤﺎدة‬
Loans
Article (21): Publication 14 ‫ ﻧﺸﺮ اﻟﻨﻈﺎم‬: (21) ‫اﻟﻤﺎدة‬

2
 Regulations
Regarding Bank Loans & Services
Offered to Individual Customers
Regulations No.: 29/2011
Date: 23/02/2011
To: All Banks and Finance Companies
Subject: Regulations Regarding Bank Loans
& Services Offered to Individual
Customers
Introduction
Following review of reports on loans and other
services offered to individual customers, and
banks' responses to the questionnaire previously
sent, titled "Personal Consumer Loans", and
pursuant to provisions of article nos. (5), (18), (94)
and (96) of Union Law No (10) of 1980, Regarding
the Central Bank, the Monetary System &
Organization of Banking, the Central Bank has
decided that all banks must abide by the provisions
of these regulations, at all times.
Objective
The objective of these regulations is to determine
the relationship between banks (conventional and
Islamic) and finance companies on the one hand,
and their individual customers on the other, in a
more transparent manner, so as to boost confidence
in banks and finance companies and enhance
credibility of the banking system.
Article (1)
Definitions
a) Bank Transfer: Transferring funds
electronically from one account to another,
whether inside the UAE or to an account abroad.
b) Bank's Cheque: A manager's cheque, or a
cheque where the bank is the drawer and the
beneficiary is an individual, an establishment, a
commercial company or a government institution,
inside or outside the UAE.
3
‫ﻧﻈـــــﺎم‬
‫اﻟﻘﺮوض اﻟﻤﺼﺮﻓﻴﺔ‬
‫واﻟﺨﺪﻣﺎت اﻷﺧﺮى اﻟﻤﻘﺪﻣﺔ ﻟﻠﻌﻤﻼء اﻷﻓﺮاد‬
2011/29 : ‫ﻧﻈﺎم رﻗﻢ‬
2011/02/23 : ‫اﻟﺘﺎرﻳﺦ‬
‫ آﺎﻓﺔ اﻟﺒﻨﻮك وﺷﺮآﺎت اﻟﺘﻤﻮﻳﻞ‬: ‫إﻟﻰ‬
‫ ﻧﻈﺎم اﻟﻘــــﺮوض اﻟﻤﺼﺮﻓﻴــــﺔ‬: ‫اﻟﻤﻮﺿﻮع‬
‫واﻟﺨﺪﻣــــﺎت اﻷﺧﺮى اﻟﻤﻘﺪﻣﺔ‬
.‫ﻟﻠﻌﻤﻼء اﻷﻓﺮاد‬
‫ﻣﻘﺪﻣــــــﺔ‬
‫ﺑﻌﺪ اﻻﻃ ﻼع ﻋﻠ ﻰ ﺗﻘ ﺎرﻳﺮ اﻟﻘ ﺮوض واﻟﺨ ﺪﻣﺎت اﻷﺧ ﺮى‬
‫ وﻋﻠ ﻰ ردود اﻟﺒﻨ ﻮك ﻋﻠ ﻰ‬، ‫اﻟﻤﻘﺪﻣ ﺔ ﻟﻠﻌﻤ ﻼء اﻷﻓ ﺮاد‬
‫اﻻﺳﺘﺒﻴﺎن اﻟﺬي ﺳﺒﻖ وأن أرﺳﻞ ﺗﺤﺖ ﻋﻨـﻮان " اﻟﻘﺮوض‬
، (18) ، (5) ‫ وﻋﻤﻼ ً ﺑﺎﻟﻤﻮاد‬، " ‫اﻟﺸﺨﺼﻴﺔ اﻻﺳﺘﻬﻼآﻴﺔ‬
‫( ﻟ ﺴﻨﺔ‬10) ‫( ﻣ ﻦ اﻟﻘ ﺎﻧﻮن اﻻﺗﺤ ﺎدي رﻗ ﻢ‬96) ‫( و‬94)
‫ ﻓ ﻲ ﺷ ﺄن اﻟﻤ ﺼﺮف اﻟﻤﺮآ ﺰي واﻟﻨﻈ ﺎم اﻟﻨﻘ ﺪي‬1980
‫ ﻗ ﺮر اﻟﻤ ﺼﺮف اﻟﻤﺮآ ﺰي أن‬، ‫وﺗﻨﻈﻴﻢ اﻟﻤﻬﻨﺔ اﻟﻤﺼﺮﻓﻴﺔ‬
‫ﻋﻠ ﻰ آﺎﻓ ﺔ اﻟﺒﻨ ﻮك وﺷ ﺮآﺎت اﻟﺘﻤﻮﻳ ﻞ اﻟﺘﻘﻴ ﺪ ﺑﺄﺣﻜ ﺎم ه ﺬا‬
.‫اﻟﻨﻈﺎم ﻓﻲ ﺟﻤﻴﻊ اﻷوﻗﺎت‬
‫اﻟﻬــــــــــﺪف‬
‫هﺪف هﺬا اﻟﻨﻈﺎم هﻮ ﺗﺤﺪﻳﺪ اﻟﻌﻼﻗ ﺔ ﺑ ﻴﻦ اﻟﺒﻨ ﻮك )اﻟﺘﻘﻠﻴﺪﻳ ﺔ‬
‫ وﻋﻤﻼﺋﻬ ﻢ‬،‫واﻹﺳ ﻼﻣﻴﺔ( وﺷ ﺮآﺎت اﻟﺘﻤﻮﻳ ﻞ ﻣ ﻦ ﻧﺎﺣﻴ ﺔ‬
‫ ﻋﻠ ﻰ ﻧﺤ ﻮ أآﺜ ﺮ ﺷ ﻔﺎﻓﻴﺔ ﺑﻤ ﺎ‬،‫اﻷﻓ ﺮاد ﻣ ﻦ ﻧﺎﺣﻴ ﺔ أﺧ ﺮى‬
‫ﻳﻌﺰز اﻟﺜﻘﺔ ﻓﻲ اﻟﺒﻨﻮك وﺷﺮآﺎت اﻟﺘﻤﻮﻳﻞ وﻳﺪﻋﻢ ﻣ ﺼﺪاﻗﻴﺔ‬
. ‫اﻟﻨﻈﺎم اﻟﻤﺼﺮﻓﻲ‬
(1) ‫اﻟﻤﺎدة‬
‫ﺗﻌﺮﻳﻔــــــــــــﺎت‬
‫ ﺗﺤﻮﻳ ﻞ اﻷﻣ ﻮال إﻟﻜﺘﺮوﻧﻴ ﺎ ً ﻣ ﻦ‬: ‫أ( اﻟﺘﺤﻮﻳ ﻞ اﻟﻤ ﺼﺮﻓﻲ‬
‫ﺣﺴﺎب إﻟﻰ ﺁﺧﺮ ﺳ ﻮاء ً داﺧ ﻞ اﻟﺪوﻟ ﺔ أو إﻟ ﻰ ﺣ ﺴﺎب ﺧ ﺎرج‬
. ‫اﻟﺪوﻟﺔ‬
‫ ﺷ ﻴﻚ اﻟﻤ ﺪﻳﺮ أو اﻟ ﺸﻴﻚ اﻟ ﺬي ﻳﻜ ﻮن‬: ‫ب( اﻟﺸﻴﻚ اﻟﻤ ﺼﺮﻓﻲ‬
‫ﻓﻴﻪ اﻟﺴﺎﺣﺐ هﻮ اﻟﺒﻨﻚ واﻟﻤﺴﺘﻔﻴﺪ هﻮ ﺷﺨﺺ ﻓﺮد أو ﻣﺆﺳﺴﺔ‬
‫أو ﺷﺮآ ـﺔ ﺗﺠﺎرﻳ ﺔ أو ﻣﺆﺳ ﺴﺔ ﺣﻜﻮﻣﻴ ﺔ داﺧ ﻞ أو ﺧ ﺎرج‬
. ‫اﻟﺪوﻟﺔ‬
c) Bank Guarantees: Guarantees issued by banks
on behalf of their customers (including retail
customers), which are usually payable upon first
demand by the beneficiary.
d) Debit Cards: Cards similar to credit cards,
except that purchases and withdrawals charged to
it are immediately deductible from the account.
e) Prepaid Cards: Cards filled with value, where
purchases and withdrawals are deducted from the
stored value until depleted (or fully exhausted).
f) Top-Up Loan: An additional loan obtained by
the borrower from the lending bank or finance
company, prior to full repayment of the
outstanding loan.
g) Commissions: Rates charged against particular
banking services rendered by banks.
h) Fees: Rates charged against particular banking
services, commitments or obligations.
i) Deductions: deductions or debits to bank
accounts against banking services.
j) Deductible Charges: Charges to accounts
against banking services.
Article (2)
Personal Loan
a) Personal Loan: Is "a loan that is given to
individual customers, where repayments are made
out of salary and end of service indemnity and/or
any other verifiable regular income from a well-
defined source".
b) Personal Loan's Limit: Amount of the
personal consumer loan has been set at (20) twenty
times the salary or the total income of the
borrower, and banks and finance companies must
make sure that this limit is not exceeded.
c) Repayment Period: The repayment period for
this loan must not exceed (48) months.
4
‫ ه ﻲ اﻟﻜﻔ ﺎﻻت اﻟﺘ ﻲ ﺗ ﺼﺪرهﺎ‬: ‫ﺟ ـ( اﻟﻜﻔ ﺎﻻت اﻟﻤ ﺼﺮﻓﻴﺔ‬
‫اﻟﺒﻨﻮك ﻧﻴﺎﺑﺔ ﻋﻦ ﻋﻤﻼﺋﻬﺎ )وﺗﺸﻤﻞ ﻋﻤﻼﺋﻬ ﺎ اﻷﻓ ﺮاد( وه ﻲ‬
. ‫ﻋﺎدة ﻣﺎ ﺗﻜﻮن ﻗﺎﺑﻠﺔ ﻟﻠﺴﺪاد ﻋﻨﺪ أول ﻃﻠﺐ ﻣﻦ ﻗﺒﻞ اﻟﻤﺴﺘﻔﻴﺪ‬
‫ ه ـﻲ ﺑﻄﺎﻗـــ ـﺎت ﺷﺒﻴﻬـــ ـﺔ ﺑﺒﻄﺎﻗ ـﺎت‬: ‫د( ﺑﻄﺎﻗ ﺎت اﻟﺨ ﺼﻢ‬
‫اﻻﺋﺘﻤ ﺎن إﻻ أن اﻟﻤ ﺸﺘﺮﻳﺎت واﻟ ﺴﺤﻮﺑﺎت اﻟﺘ ﻲ ﺗﺤﻤ ﻞ ﻋﻠﻴﻬ ﺎ‬
.‫ﺗﺨﺼﻢ ﻣﺒﺎﺷﺮة ﻣﻦ اﻟﺤﺴﺎب‬
‫ هﻲ ﺑﻄﺎﻗﺎت ﺗﻌﺒﺊ ﺑﺎﻟﻘﻴﻤﺔ وﻳﺘﻢ ﺧ ﺼﻢ‬: ‫هـ( اﻟﺒﻄﺎﻗﺎت اﻟﺬآﻴﺔ‬
‫اﻟﻤﺸﺘﺮﻳﺎت أو اﻟﺴﺤﻮﺑﺎت ﻣﻦ اﻟﻘﻴﻤﺔ اﻟﻤﻌﺒﺌﺔ ﻓﻴﻬﺎ ﺣﺘ ﻰ اﻟﻨﻔ ﺎذ‬
.(‫)أو اﻻﺳﺘﻨﻀﺎب‬
‫ هﻮ اﻟﻘ ﺮض اﻹﺿ ﺎﻓﻲ اﻟ ﺬي ﻳﺤ ﺼﻞ‬: ‫و( اﻟﻘﺮض اﻟﺘﻜﻤﻴﻠﻲ‬
‫ﻋﻠﻴ ﻪ اﻟﻤﻘﺘ ﺮض ﻣ ﻦ اﻟﺒﻨ ﻚ اﻟﻤﻘ ﺮض أو ﺷ ﺮآﺔ اﻟﺘﻤﻮﻳ ﻞ‬
. ‫اﻟﻤﻘﺮﺿﺔ ﻗﺒﻞ ﺳﺪاد ﻗﻴﻤﺔ اﻟﻘﺮض اﻟﻘﺎﺋﻢ ﺑﺎﻟﻜﺎﻣﻞ‬
‫( ﻣ ﺎ ﻳﻔ ﺮض ﻣ ﻦ ﺳ ﻌﺮ‬Commissions) : ‫ز( اﻟﻌﻤ ﻮﻻت‬
. ‫ﻣﻘﺎﺑﻞ اﻟﺨﺪﻣﺎت اﻟﻤﺼﺮﻓﻴﺔ اﻟﺘﻲ ﺗﻘﺪﻣﻬﺎ اﻟﺒﻨﻮك‬
‫( ﻣﺎ ﻳﻔ ﺮض ﻣ ﻦ ﺳ ﻌﺮ ﻣﻘﺎﺑ ﻞ ﺧ ﺪﻣﺎت‬Fees) : ‫ح( اﻟﺮﺳﻮم‬
. ‫ﻣﺼﺮﻓﻴـﺔ ﻣﺤﺪدة أو ﺗﻌﻬﺪات أو اﻟﺘﺰاﻣﺎت ﻣﻌﻴﻨﺔ‬
(‫( ﻣﺎ ﻳﻘﺘﻄﻊ )أو ﻳﺨﺼﻢ‬Deductions) : ‫ط( اﻻﺳﺘﻘﻄﺎﻋﺎت‬
. ‫ﻣﻦ ﻣﺒﺎﻟﻎ ﻣﻦ اﻟﺤﺴﺎﺑﺎت ﻣﻘﺎﺑﻞ ﺧﺪﻣﺎت ﻣﺼﺮﻓﻴﺔ‬
‫( ﻣ ﺎ ﻳﺤﻤ ﻞ‬Deductible Charges) : ‫ي( اﻟﺘﺤﻤ ﻴﻼت‬
. ‫ﻋﻠﻰ اﻟﺤﺴﺎﺑﺎت ﻣﻘﺎﺑﻞ ﺧﺪﻣﺎت ﻣﺼﺮﻓﻴﺔ‬
(2) ‫اﻟﻤﺎدة‬
‫اﻟﻘﺮض اﻟﺸﺨﺼﻲ‬
‫ ه ﻮ ” اﻟﻘ ﺮض اﻟ ﺬي ﻳﻤ ﻨﺢ ﻟﻠﻌﻤﻴ ﻞ‬: ‫أ( اﻟﻘ ﺮض اﻟﺸﺨ ﺼﻲ‬
‫اﻟﻔ ﺮد وﻳ ﺘﻢ ﺳ ﺪادﻩ ﻣ ﻦ اﻟﺮاﺗ ﺐ أو ﻣ ﺴﺘﺤﻘﺎت ﻧﻬﺎﻳ ﺔ اﻟﺨﺪﻣ ﺔ‬
‫أو أي دﺧ ﻞ ﻣﻨ ﺘﻈﻢ ﺁﺧ ﺮ ﻣ ﻦ ﻣ ﺼﺪر ﻣﻌ ﺮوف ﻳﻤﻜ ﻦ‬/‫و‬
. “ ‫اﻟﺘﺤﻘﻖ ﻣﻨﻪ‬
‫ ﺣ ﺪد ﻣﺒﻠ ﻎ اﻟﻘ ﺮض اﻟﺸﺨ ﺼﻲ‬: ‫ب( ﺣﺪ اﻟﻘ ﺮض اﻟﺸﺨ ﺼﻲ‬
‫( ﻋ ﺸﺮﻳﻦ ﺿ ﻌﻒ اﻟﺮاﺗ ﺐ أو اﻟ ﺪﺧﻞ‬20) ‫ﺑﻤ ﺎ ﻻ ﻳﺰﻳ ﺪ ﻋ ﻦ‬
‫ وﻋﻠ ﻰ اﻟﺒﻨ ﻮك وﺷ ﺮآﺎت‬، ‫اﻹﺟﻤ ﺎﻟﻲ ﻟﻠ ﺸﺨﺺ اﻟﻤﻘﺘ ﺮض‬
. ‫اﻟﺘﻤﻮﻳﻞ اﻟﺘﺄآﺪ ﺑﺎﺳﺘﻤﺮار ﻣﻦ ﻋﺪم ﺗﺠﺎوز هﺬا اﻟﺤﺪ‬
‫ ﺗﻜﻮن ﻣﺪة ﺳ ﺪاد ه ﺬا اﻟﻘ ﺮض ﺑﺤ ﺪ أﻗ ﺼﻰ‬: ‫ﺟـ( ﻣﺪة اﻟﺴﺪاد‬
. ً ‫ ﺷﻬﺮا‬48
d) In order to ensure that the monthly installments
deducted for repayment of this loan and resulting
interest are kept in a reasonable proportion to the
customer’s income, the deductions from his salary
and/ or regular income must not exceed the limits
specified under Article (7) of these Regulations.
e) Loans extended to sole proprietorship firms and
companies, secured by salary of the owner or
salaries of the partners shall be treated the same
way this loan is treated, and shall be subject to the
same terms and conditions.
f) This loan shall be extended as per an application
by the customer to be approved by the bank or the
finance company, and it should be drafted in the
manner set out in Article (12) hereof.
Article (3)
Car Loan
a) Car Loan: Is a loan extended by the bank or the
finance company to its customer for the purpose of
purchasing a private car.
b) Car loan shall be treated as separate from the
personal consumer loan, and should not exceed
(80%) eighty percent of the value of the financed
vehicle.
c) Repayment Period: The maximum period for
repayment of the loan shall be (60) months.
d) Security: This loan should be secured by a
mortgage over the car.
e) Car loans extended to sole proprietorship firms
and companies, secured by salary of the owner or
salaries of the partners shall be treated the same
way this loan is treated, and shall be subject to the
same terms and conditions.
f) This loan shall be extended as per an application
by the customer and approved by the bank or the
finance company, and it should be drafted in the
manner set out in Article (12) of these Regulations.
5
‫د( وﻟﻜ ﻲ ﺗﻜ ﻮن اﻷﻗ ﺴﺎط اﻟ ﺸﻬﺮﻳﺔ اﻟﻤﻘﺘﻄﻌ ﺔ ﻟ ﺴﺪاد ه ﺬا‬
‫اﻟﻘ ﺮض واﻟﻔﻮاﺋ ﺪ اﻟﻤﺘﺮﺗﺒ ﺔ ﻋﻠﻴ ﻪ ﻣﺘﻨﺎﺳ ﺒﺔ ﺑ ﺸﻜﻞ أﻓ ﻀﻞ ﻣ ﻊ‬
‫ ﻳﺠﺐ أن ﻻ ﻳﺰﻳﺪ ﻣﺎ ﻳﻘﺘﻄﻊ ﻣ ﻦ راﺗﺒ ﻪ أو دﺧﻠ ﻪ‬،‫دﺧﻞ اﻟﻌﻤﻴﻞ‬
.(7) ‫اﻟﻤﻨﺘﻈﻢ ﻋﻦ ﻣﺎ هﻮ ﻣﺤﺪد ﻓﻲ اﻟﻤﺎدة‬
‫هـ( ﺗﻌﺎﻣﻞ اﻟﻘﺮوض اﻟﻤﻘﺪﻣﺔ ﻟﻠﻤﺆﺳﺴﺎت اﻟﻔﺮدﻳﺔ واﻟ ﺸﺮآﺎت‬
‫واﻟﻤﻀﻤﻮﻧﺔ ﺑﺮاﺗﺐ اﻟﻤﺎﻟﻚ أو ﺑﺮواﺗﺐ اﻟ ﺸﺮآﺎء ﻣﻌﺎﻣﻠ ﺔ ه ﺬا‬
. ‫اﻟﻘﺮض وﺗﻨﻄﺒﻖ ﻋﻠﻴﻬﺎ ﻧﻔﺲ اﻟﺸﺮوط واﻷﺣﻜﺎم‬
‫و( ﻳﻤﻨﺢ ه ﺬا اﻟﻘ ﺮض ﺑﻤﻮﺟ ﺐ ﻃﻠ ﺐ ﻳﻘﺪﻣ ﻪ اﻟﻌﻤﻴ ﻞ وﻳﻮاﻓ ﻖ‬
‫ﻋﻠﻴﻪ اﻟﺒﻨﻚ أو ﺷﺮآﺔ اﻟﺘﻤﻮﻳ ﻞ وﺗﻜ ﻮن ﺻ ﻴﻐﺘﻪ وﻓﻘ ﺎ ً ﻟﻤ ﺎ ه ﻮ‬
. ‫( ﻣﻦ هﺬا اﻟﻨﻈﺎم‬12) ‫ﻣﺤﺪد ﻓﻲ اﻟﻤﺎدة‬
(3) ‫اﻟﻤﺎدة‬
‫ﻗﺮض اﻟﺴﻴﺎرة‬
‫ هﻮ اﻟﻘﺮض اﻟﺬي ﻳﻘﺪﻣﻪ اﻟﺒﻨ ﻚ أو ﺷ ﺮآﺔ‬: ‫أ( ﻗﺮض اﻟﺴﻴﺎرة‬
. ‫اﻟﺘﻤﻮﻳﻞ ﻟﻌﻤﻴﻠﻪ ﻟﻐﺮض ﺷﺮاء ﺳﻴﺎرة ﺧﺎﺻﺔ‬
‫ب( ﻳﻌﺎﻣ ﻞ ﻗ ﺮض اﻟ ﺴﻴﺎرة ﺑﺎﻋﺘﺒ ﺎرﻩ ﻣﻨﻔ ﺼﻼ ﻋ ﻦ اﻟﻘ ﺮض‬
‫( ﺛﻤ ﺎﻧﻮن ﻓ ﻲ اﻟﻤﺎﺋ ﺔ‬%80) ‫ وﻻ ﺗﺘﺠ ﺎوز ﻗﻴﻤﺘ ﻪ‬،‫اﻟﺸﺨ ﺼﻲ‬
.‫ﻣﻦ ﻗﻴﻤﺔ اﻟﺴـﻴﺎرة اﻟﻤﻤﻮﻟﺔ‬
(60) ‫ ﺗﻜـﻮن ﻣﺪة ﺳ ﺪاد اﻟﻘ ﺮض اﻟﻘ ﺼﻮى‬: ‫ﺟـ( ﻣﺪة اﻟﺴﺪاد‬
. ‫ﺷﻬﺮًا‬
. ‫ وﻳﻀﻤﻦ هﺬا اﻟﻘﺮض ﺑﺮهﻦ اﻟﺴﻴﺎرة‬: ‫د( اﻟﻀﻤﺎن‬
‫ه ـ( ﺗﻌﺎﻣ ﻞ ﻗ ﺮوض اﻟ ﺴﻴﺎرة اﻟﻤﻘﺪﻣ ﺔ ﻟﻠﻤﺆﺳ ﺴﺎت اﻟﻔﺮدﻳ ﺔ‬
‫واﻟﺸﺮآﺎت واﻟﻤﻀﻤﻮﻧﺔ ﺑﺮاﺗﺐ اﻟﻤﺎﻟ ﻚ أو ﺑﺮواﺗ ﺐ اﻟ ﺸﺮآﺎء‬
.‫ﻣﻌﺎﻣﻠﺔ هﺬا اﻟﻘﺮض وﺗﻨﻄﺒﻖ ﻋﻠﻴﻬﺎ ﻧﻔﺲ اﻟﺸﺮوط واﻷﺣﻜﺎم‬
‫و( ﻳﻤﻨﺢ ه ﺬا اﻟﻘ ﺮض ﺑﻤﻮﺟ ﺐ ﻃﻠ ﺐ ﻳﻘﺪﻣ ﻪ اﻟﻌﻤﻴ ﻞ وﻳﻮاﻓ ﻖ‬
‫ﻋﻠﻴﻪ اﻟﺒﻨﻚ أو ﺷﺮآﺔ اﻟﺘﻤﻮﻳ ﻞ وﺗﻜ ﻮن ﺻ ﻴﻐﺘﻪ وﻓﻘ ﺎ ً ﻟﻤ ﺎ ه ﻮ‬
.‫( ﻣﻦ هﺬا اﻟﻨﻈﺎم‬12) ‫ﻣﺤﺪد ﻓﻲ اﻟﻤﺎدة‬
 Article (4)
Overdraft Facilities
a) Overdrafts: Are "facilities linked to customers
accounts, and are provided by banks for payment
on their behalf, in advance. This usually results in
a negative balance in the customers' accounts,
which would require deposit of funds to cover that
balance plus resulting interest and deductions".
b) Overdraft facilities extended to sole
proprietorship firms and companies, secured by
salary of the owner or salaries of the partners shall
be treated the same way these facilities are treated,
and shall be subject to the same terms and
conditions
c) To obtain such facilities, there should be pre-
arrangements between the customer and the bank.
The customer must submit his application, which
shows the purpose of the facilities, the expected
repayment period and the sources of repayment, in
accordance with the form set out in Article (12) of
these Regulations.
Article (5)
Credit Cards
a) Credit Cards: Are "Plastic cards linked to an
electronic network, containing details and credit
limit of the card holder. Value of a customer's
purchases and cash withdrawals are paid on his
behalf by the issuing bank or the finance company,
and the customer pays the value at the beginning of
the month following the transactions' month, or by
installments as per agreement with the issuing
bank or finance company, after end of the period
allowed for full payment of the balance.
b) Credit cards shall be issued to customers of the
bank or the finance company, and may be issued to
non-customers, in which case customer statistical
data, as residents or non-residents, must be
recorded separately.
c) Banks and finance companies issuing such cards
must abide by the following:
1. Provide these cards to persons whose annual
income equal or exceeds AED 60,000.
6
(4) ‫اﻟﻤﺎدة‬
‫ﺗﺴﻬﻴﻼت اﻟﺴﺤﺐ ﻋﻠﻰ اﻟﻤﻜﺸﻮف‬
‫ ه ﻲ " ﺗ ﺴﻬﻴﻼت ﻣﺮﺗﺒﻄ ﺔ‬: ‫أ( اﻟ ﺴﺤﺐ ﻋﻠ ﻰ اﻟﻤﻜ ﺸﻮف‬
‫ﺑﺤ ﺴﺎﺑﺎت ﻋﻤ ﻼء اﻟﺒﻨ ﻮك وﺗﻮﻓﺮه ﺎ اﻟﺒﻨ ﻮك ﻟﻌﻤﻼﺋﻬ ﺎ ﻟﻠ ﺴﺪاد‬
‫ وهﺬا ﻋﺎدة ﻣ ﺎ ﻳﺨﻠ ﻖ رﺻ ﻴﺪ ﺳ ﺎﻟﺐ ﻓ ﻲ‬، ‫ﻣﻘﺪﻣﺎ ً ﻧﻴﺎﺑﺔ ً ﻋﻨﻬﻢ‬
‫ﺣﺴﺎﺑﺎت اﻟﻌﻤﻼء ﻳﺘﻄﻠﺐ إﻳ ﺪاع أﻣ ﻮال ﻟﺘﻐﻄﻴ ﺔ ذﻟ ﻚ اﻟﺮﺻ ﻴﺪ‬
. " ‫واﻟﻔﻮاﺋﺪ واﻻﺳﺘﻘﻄﺎﻋﺎت اﻟﻤﺘﺮﺗﺒﺔ‬
‫ب( ﺗﻌﺎﻣ ﻞ ﺗ ﺴﻬﻴﻼت اﻟ ﺴﺤﺐ ﻋﻠ ﻰ اﻟﻤﻜ ﺸﻮف اﻟﻤﻘﺪﻣ ﺔ‬
‫ﻟﻠﻤﺆﺳ ﺴﺎت اﻟﻔﺮدﻳ ﺔ واﻟ ﺸﺮآﺎت واﻟﻤ ﻀﻤﻮﻧﺔ ﺑﺮاﺗ ﺐ اﻟﻤﺎﻟ ﻚ‬
‫أو ﺑﺮواﺗﺐ اﻟﺸﺮآﺎء ﻣﻌﺎﻣﻠﺔ ه ﺬﻩ اﻟﺘ ﺴﻬﻴﻼت وﺗﻨﻄﺒ ﻖ ﻋﻠﻴﻬ ﺎ‬
.‫ﻧﻔﺲ اﻟﺸﺮوط واﻷﺣﻜﺎم‬
‫ﺟ ـ( ﻟﻠﺤ ﺼﻮل ﻋﻠ ﻰ ه ﺬﻩ اﻟﺘ ﺴﻬﻴﻼت ﻳﺠ ﺐ أن ﻳﻜ ﻮن هﻨ ﺎك‬
‫ﺗﺮﺗﻴﺐ ﻣﺴﺒﻖ ﺑ ﻴﻦ اﻟﻌﻤﻴ ﻞ واﻟﺒﻨ ﻚ وﻳﻘ ﺪم اﻟﻄﻠ ﺐ اﻟﺨ ﺎص ﺑ ﻪ‬
‫اﻟ ﺬي ﻳﻮﺿ ﺢ اﻟﻐ ﺮض ﻣ ﻦ اﻟﺘ ﺴﻬﻴﻞ وﻣ ﺪة اﻟ ﺴﺪاد اﻟﻤﺘﻮﻗﻌ ﺔ‬
(12) ‫ وﻓﻘﺎ ً ﻟﻠﺼﻴﻐﺔ اﻟﻤﺬآﻮرة ﻓ ﻲ اﻟﻤ ﺎدة‬، ‫وﻣﺼﺎدر اﻟﺴﺪاد‬
. ‫ﻣﻦ هﺬا اﻟﻨﻈﺎم‬
(5) ‫اﻟﻤﺎدة‬
‫ﺗﺴﻬﻴـــﻼت ﺑﻄﺎﻗـــﺎت اﻻﺋﺘﻤﺎن‬
‫ ه ﻲ اﻟﺒﻄﺎﻗ ﺎت اﻟﺒﻼﺳ ﺘﻴﻜﻴﺔ اﻟﻤﺮﺗﺒﻄ ﺔ‬: ‫أ( ﺑﻄﺎﻗ ﺎت اﻻﺋﺘﻤ ﺎن‬
‫ﺑ ﺸﺒﻜﺔ إﻟﻜﺘﺮوﻧﻴ ﺔ ﺑﻬ ﺎ ﺗﻔﺎﺻ ﻴﻞ ﺣﺎﻣ ﻞ اﻟﺒﻄﺎﻗ ﺔ وﺣ ﺪودﻩ‬
‫ وﺗ ﺪﻓﻊ ﻗﻴﻤ ﺔ اﻟﻤ ﺸﺘﺮﻳﺎت واﻟ ﺴﺤﻮﺑﺎت اﻟﻨﻘﺪﻳ ﺔ‬، ‫اﻻﺋﺘﻤﺎﻧﻴ ﺔ‬
‫اﻟﻤﺘﻌﻠﻘﺔ ﺑﺒﻄﺎﻗﺔ اﻻﺋﺘﻤﺎن ﻧﻴﺎﺑﺔ ﻋﻨ ﻪ ﻣ ﻦ ﻗﺒ ﻞ اﻟﺒﻨ ﻚ أو ﺷ ﺮآﺔ‬
‫ ﺛ ﻢ ﻳ ﺴﺪد اﻟﻌﻤﻴ ﻞ ﺣﺎﻣ ﻞ اﻟﺒﻄﺎﻗ ﺔ‬، ‫اﻟﺘﻤﻮﻳﻞ اﻟﻤﺼﺪرة ﻟﻠﺒﻄﺎﻗﺔ‬
‫اﻟﻘﻴﻤ ﺔ اﻟﻤ ﺴﺪدة ﻧﻴﺎﺑ ﺔ ﻋﻨ ﻪ ﻓ ﻲ ﺑﺪاﻳ ﺔ اﻟ ﺸﻬﺮ اﻟ ﺬي ﻳﻠ ﻲ ﺷ ﻬﺮ‬
‫هﺬﻩ اﻟﻤﻌﺎﻣﻼت أو ﺗﻘﺴﻂ اﻟﻘﻴﻤ ﺔ اﻟﻤ ﺴﺪدة ﺣ ﺴﺐ اﻻﺗﻔ ﺎق ﻣ ﻊ‬
‫ ﺑﻌﺪ ﻧﻬﺎﻳﺔ اﻟﻔﺘ ﺮة‬، ‫اﻟﺒﻨﻚ أو ﺷﺮآﺔ اﻟﺘﻤﻮﻳﻞ اﻟﻤﺼﺪرة ﻟﻠﺒﻄﺎﻗﺔ‬
. ‫اﻟﻤﺴﻤﻮح ﻓﻴﻬﺎ ﺑﺎﻟﺴﺪاد اﻟﻜﺎﻣﻞ ﻟﻠﺮﺻﻴﺪ‬
، ‫ب( ﺗﻤﻨﺢ ﺑﻄﺎﻗﺎت اﻻﺋﺘﻤﺎن ﻟﻌﻤﻼء اﻟﺒﻨﻚ أو ﺷﺮآﺔ اﻟﺘﻤﻮﻳﻞ‬
‫وﻳﻤﻜ ﻦ أن ﺗﻤ ﻨﺢ ﻟﻐﻴ ﺮ اﻟﻌﻤ ﻼء وﻓ ﻲ ﺗﻠ ﻚ اﻟﺤﺎﻟ ﺔ ﻳﺠ ﺐ أن‬
ٍ ‫ﺗﺴﺠﻞ إﺣﺼﺎءات اﻟﻌﻤ ﻼء آﻤﻘﻴﻤ ﻴﻦ أو ﻏﻴ ﺮ ﻣﻘﻴﻤ ﻴﻦ ﺑ ﺸﻜﻞ‬
. ‫ﻣﻨﻔﺼﻞ‬
‫ﺟ ـ( ﻋﻠ ﻰ اﻟﺒﻨ ـﻮك وﺷ ﺮآﺎت اﻟﺘﻤﻮﻳ ﻞ اﻟﻤ ﺼـﺪرة ﻟﻬ ـﺬﻩ‬
: ‫اﻟﺒﻄﺎﻗﺎت ﻣﺮاﻋﺎة ﻣﺎ ﻳﻠﻲ‬
‫ ﻣ ﻨﺢ ه ﺬﻩ اﻟﺒﻄﺎﻗ ﺎت ﻟﻸﺷ ﺨﺎص اﻟ ﺬﻳﻦ ﻳﻌ ﺎدل دﺧﻠﻬ ﻢ أو‬.1
‫ و‬، ‫ درهﻢ ﻓﻲ اﻟﺴﻨﺔ‬60.000 ‫ﻳﺰﻳﺪ ﻋﻦ‬
2. These cards may be provided against a pledged
deposit of value not less than AED 60,000.
d) Banks or finance companies should provide
their credit card customers with a monthly
statement of expenses, showing values of
purchases and cash withdrawals, and they should
immediately investigate if a customer challenges
any expense item.
e) Credit card facilities for the unpaid balances of
these cards provided to sole proprietorship firms
and companies and secured by salary of the owner
or salaries of the partners shall be treated the same
way these facilities are treated, and shall be subject
to the same terms and conditions.
f) Provisions of the agreement for providing credit
cards, signed by the customer, should be in
accordance with the form set forth in Article (12)
of these Regulations.
Article (6)
Interest
Computation of Interest
a) Each bank or finance company must calculate
the interest rate charged for the loans mentioned
under article nos. (2) and (3) and overdraft
facilities (Article- 4 in case of banks only) as well
as unpaid credit card balances (Article -5), in
accordance with the following formula:
Interest Amount =
Principal X interest rate X loan period (in months) +1
2 X 100 X 12
b) All banks and finance companies must declare
their respective interest rates on loans, overdraft
balances (In case of banks only), and balances due
for credit cards within the table. The rate shall be
determined on basis of the reducing balance of the
loan on annual basis and included in the display
board mentioned in Article (11) of these
Regulations.
c) "Interest Amount" on loans and overdraft
balances shall be determined on basis of the
formula mentioned under (a) above.
7
‫ ﻳﻤﻜﻦ ﻣﻨﺢ هﺬﻩ اﻟﺒﻄﺎﻗﺎت ﻣﻘﺎﺑﻞ ودﻳﻌﺔ ﻣﺠﻴ ﺮة ﺑﻤﺒﻠ ﻎ ﻻ‬.2
. ‫ درهﻢ‬60.000 ‫ﻳﻘﻞ ﻋﻦ‬
‫د( ﻋﻠ ﻰ اﻟﺒﻨ ﻚ أو ﺷ ﺮآﺔ اﻟﺘﻤﻮﻳ ﻞ ﺗﺰوﻳ ﺪ ﻋﻤ ﻼء ﺑﻄﺎﻗ ﺎت‬
‫اﻻﺋﺘﻤﺎن ﻟﺪﻳﻬﻢ ﺑﻜﺸﻒ ﺷﻬﺮي ﺗ ﺴﺠﻞ ﺑ ﻪ ﻗﻴﻤ ﺔ اﻟﻤ ﺸﺘﺮﻳﺎت‬
‫ وإذا اﺣ ﺘﺞ اﻟﻌﻤﻴ ﻞ ﻋﻠ ﻰ أي ﺑﻨ ﺪ ﻓ ﻲ‬، ‫واﻟﺴﺤﻮﺑﺎت اﻟﻨﻘﺪﻳ ﺔ‬
‫اﻟﻜ ﺸﻒ ﻓﻌﻠ ﻰ اﻟﺒﻨ ﻚ أو ﺷ ﺮآﺔ اﻟﺘﻤﻮﻳ ﻞ اﻟﺘﺤﻘ ﻖ ﻣ ﻦ ذﻟ ﻚ‬
.‫ﻓﻮرًا‬
‫ه ـ( ﺗﻌﺎﻣ ﻞ ﺗ ﺴﻬﻴﻼت ﺑﻄﺎﻗ ﺎت اﻻﺋﺘﻤ ﺎن ﻟﻸرﺻ ﺪة ﻏﻴ ﺮ‬
‫اﻟﻤ ﺴﺪدة ﻟﻬ ﺬﻩ اﻟﺒﻄﺎﻗ ﺎت اﻟﻤﻘﺪﻣ ﺔ ﻟﻠﻤﺆﺳ ﺴﺎت اﻟﻔﺮدﻳ ﺔ‬
‫واﻟﺸﺮآﺎت واﻟﻤﻀﻤﻮﻧﺔ ﺑﺮاﺗﺐ اﻟﻤﺎﻟ ﻚ أو ﺑﺮواﺗ ﺐ اﻟ ﺸﺮآﺎء‬
‫ﻣﻌﺎﻣﻠ ﺔ ه ﺬﻩ اﻟﺘ ﺴﻬﻴﻼت وﺗﻨﻄﺒ ﻖ ﻋﻠﻴﻬ ﺎ ﻧﻔ ﺲ اﻟ ﺸﺮوط‬
.‫واﻷﺣﻜﺎم‬
‫و( ﻳﺠﺐ أن ﺗﻜﻮن ﺑﻨﻮد اﺗﻔﺎﻗﻴﺔ ﻣﻨﺢ ﺑﻄﺎﻗ ﺔ اﻻﺋﺘﻤ ﺎن اﻟﻤﻮﻗﻌ ﺔ‬
‫ﻣ ﻦ ﻗﺒ ﻞ اﻟﻌﻤﻴ ﻞ ﻣﻌ ﺪة وﻓﻘ ﺎ ً ﻟﻠ ﺼﻴﻐﺔ اﻟﻤ ﺬآﻮرة ﻓ ﻲ اﻟﻤ ﺎدة‬
.‫( ﻣﻦ هﺬا اﻟﻨﻈﺎم‬12)
(6) ‫اﻟﻤﺎدة‬
‫اﻟﻔﺎﺋــــﺪة‬
‫اﺣﺘﺴﺎب اﻟﻔﺎﺋﺪة‬
‫أ( ﻳﺠ ﺐ أن ﻳﺤﺘ ﺴﺐ آ ﻞ ﺑﻨ ﻚ أو ﺷ ﺮآﺔ ﺗﻤﻮﻳ ﻞ ﻣﺒﻠ ﻎ اﻟﻔﺎﺋ ﺪة‬
‫( و‬2) ‫اﻟ ﺬي ﻳﺘﻘﺎﺿ ﺎﻩ ﻋ ﻦ اﻟﻘ ﺮوض اﻟﻤ ﺬآﻮرة ﻓ ﻲ اﻟﻤ ﻮاد‬
-4- ‫( وﻋﻠ ﻰ ﺗ ﺴﻬﻴﻼت اﻟ ﺴﺤﺐ ﻋﻠ ﻰ اﻟﻤﻜ ﺸﻮف )اﻟﻤ ﺎدة‬3)
‫ وآ ﺬﻟﻚ ﻋﻠ ﻰ أرﺻ ﺪة ﺑﻄﺎﻗ ﺎت‬، (‫ﻓ ﻲ ﺣﺎﻟ ﺔ اﻟﺒﻨ ﻮك ﻓﻘ ﻂ‬
:‫( وﻓﻘﺎ ﻟﻠﻤﻌﺎدﻟﺔ اﻟﺘﺎﻟﻴﺔ‬-5- ‫اﻻﺋﺘﻤﺎن ﻏﻴﺮ اﻟﻤﺴﺪدة )اﻟﻤﺎدة‬
= ‫ﻣﺒﻠﻎ اﻟﻔﺎﺋﺪة‬
1 + (‫ ﻓﺘﺮة اﻟﻘﺮض )ﺑﺎﻷﺷﻬﺮ‬X ‫ ﺳﻌﺮ اﻟﻔﺎﺋﺪة‬X ‫أﺻﻞ اﻟﻘﺮض‬
12 X 100 X 2
‫ب( ﻋﻠﻰ آﺎﻓﺔ اﻟﺒﻨﻮك وﺷﺮآﺎت اﻟﺘﻤﻮﻳﻞ أن ﺗﻌﻠﻦ ﻋﻦ أﺳﻌﺎر‬
‫اﻟﻔﺎﺋﺪة ﻋﻠﻰ اﻟﻘﺮوض وأرﺻﺪة اﻟﺴﺤﺐ ﻋﻠﻰ اﻟﻤﻜﺸﻮف )ﻓﻲ‬
‫ﺣﺎﻟ ﺔ اﻟﺒﻨ ﻮك ﻓﻘ ﻂ( واﻷرﺻ ﺪة اﻟﻤ ﺴﺘﺤﻘﺔ ﻟﺒﻄﺎﻗ ﺎت اﻻﺋﺘﻤ ﺎن‬
‫ﺿﻤﻦ اﻟﺠﺪول ﻋﻠﻰ أن ﻳﺤﺪد اﻟﺴﻌﺮ ﻋﻠﻰ اﻟﺮﺻﻴﺪ اﻟﻤﺘﻨﺎﻗﺺ‬
‫ﻣﻦ اﻟﻘﺮض ﻋﻠﻰ أﺳﺎس ﺳﻨﻮي وﻳ ﺪرج ﻋﻠ ﻰ اﻟﻠﻮﺣ ﺔ اﻟ ﻮارد‬
. ‫( ﻣﻦ هﺬا اﻟﻨﻈﺎم‬11) ‫ذآﺮهﺎ ﻓﻲ اﻟﻤﺎدة‬
‫ﺟـ( ﻋﻠﻰ أﺳﺎس اﻟﻤﻌﺎدﻟﺔ اﻟﻤﺬآﻮرة ﻓﻲ )أ( ﻳ ﺘﻢ ﺗﺤﺪﻳ ﺪ "ﻣﺒﻠ ﻎ‬
.‫اﻟﻔﺎﺋﺪة" ﻋﻠﻰ اﻟﻘﺮوض وأرﺻﺪة اﻟﺴﺤﺐ ﻋﻠﻰ اﻟﻤﻜﺸﻮف‬
d) Deduction of a ratio of the loan in advance, as
the payable interest amount is prohibited, the
formula mentioned under (a) above should be used
to calculate the first interest amount, and then
interest amount shall be calculated on the reducing
balance of the loan by using the following simple
equation:
Interest Amount =
Loan balance at the begining of the month × Interest rate
12 × 100
e) Banks and finance companies must arrive at the
"Interest Amount" and deduct it from the agreed
monthly installment, then use the net amount to
reduce the loan balance and reach "the new
balance of the loan at the beginning of the month"
which would, in turn, be used in the calculation
process at the end of the following month.
f) With regard to calculation of interest amount on
credit cards due balances, these shall only be
calculated for the outstanding balance after the
maturity date for its full payment; i.e., in the month
following the month on which the purchases and
withdrawals have occurred. Interest amount must
then be calculated as per the equation mentioned
under (a) above and in accordance with the rates
declared on the display board mentioned under
Article (11) of these Regulations.
g) A Bank or a finance company shall determine
the penalty rate in the event of full or partial
prepayment before maturity date, or in case of a
top- up loan, however, a top- up loan, should not
be granted unless the original loan was repaid,
without default, for a period not less than one year,
and in this case the rate shall be declared in the
table mentioned in Annex-2
Article (7)
Repayment Installments
a) Deductions from salary or regular income of
any borrower, for all types of loans extended by
banks and finance companies together, including,
but not necessarily restricted to, car and private
housing loans, overdraft facilities, and credit cards
faculties, must not exceed 50% fifty percent of his
gross salary, and any regular income from a
defined and specific source at any time.
8
‫د( ﻳﻤﻨﻊ اﺳﺘﻘﻄﺎع ﻧ ﺴﺒﺔ ﻣ ﻦ اﻟﻘ ﺮض ﻣﻘ ﺪﻣﺎ ً ﻋﻠ ﻰ أﻧﻬ ﺎ ﻣﺒﻠ ﻎ‬
‫اﻟﻔﺎﺋ ﺪة اﻟﻤ ﺴﺘﺤﻖ وإﻧﻤ ﺎ ﻳ ﺘﻢ اﺳ ﺘﺨﺪام اﻟﻤﻌﺎدﻟ ﺔ ﻓ ﻲ )أ( أﻋ ﻼﻩ‬
‫ﻻﺣﺘﺴﺎب أول ﻣﺒﻠﻎ ﻓﺎﺋﺪة وﻣ ﻦ ﺛ ﻢ ﻳ ﺘﻢ اﺣﺘ ﺴﺎب ﻣﺒﻠ ﻎ اﻟﻔﺎﺋ ﺪة‬
‫ﻋﻠ ﻰ اﻟﺮﺻ ﻴﺪ اﻟﻤﺘﻨ ﺎﻗﺺ ﻣ ﻦ اﻟﻘ ﺮض ﺑﺎﺳ ﺘﺨﺪام اﻟﻤﻌﺎدﻟ ﺔ‬
: ‫اﻟﺒﺴﻴﻄﺔ اﻟﺘﺎﻟﻴﺔ‬
= ‫ﻣﺒﻠﻎ اﻟﻔﺎﺋﺪة‬
‫رﺻﻴﺪ اﻟﻘﺮض ﻋﻨﺪ ﺑﺪاﻳﺔ اﻟﺸﻬﺮ × ﺳﻌﺮ اﻟﻔﺎﺋﺪة‬
100 × 12
‫هـ( ﻋﻠﻰ اﻟﺒﻨﻮك وﺷﺮآﺎت اﻟﺘﻤﻮﻳﻞ أن ﺗﻘﻮم ﺑﺎﺣﺘﺴﺎب "ﻣﺒﻠ ﻎ‬
، ‫اﻟﻔﺎﺋﺪة" ﺛﻢ ﺗﺴﺘﻘﻄﻌﻪ ﻣﻦ ﻣﺒﻠﻎ اﻟﻘﺴﻂ اﻟﺸﻬﺮي اﻟﻤﺘﻔﻖ ﻋﻠﻴ ﻪ‬
‫ﺛﻢ ﺗﺴﺘﺨﺪم اﻟﻤﺒﻠﻎ اﻟﺼﺎﻓﻲ ﻟﺨﻔﺾ رﺻﻴﺪ اﻟﻘﺮض واﻟﺘﻮﺻﻞ‬
‫ اﻟ ﺬي‬، " ‫إﻟ ﻰ " اﻟﺮﺻ ﻴﺪ اﻟﺠﺪﻳ ﺪ ﻟﻠﻘ ﺮض ﻋﻨ ﺪ ﺑﺪاﻳ ﺔ اﻟ ﺸﻬﺮ‬
‫ﻳ ﺴﺘـﺨﺪم ﺑ ﺪورﻩ ﻓ ﻲ ﻋﻤﻠﻴ ﺔ اﻻﺣﺘ ﺴﺎب ﻋﻨ ﺪ ﻧﻬﺎﻳ ﺔ اﻟ ﺸﻬﺮ‬
. ‫اﻟﺘﺎﻟﻲ‬
‫و( ﺑﺎﻟﻨ ﺴﺒﺔ ﻟﻌﻤﻠﻴ ﺔ اﺣﺘ ﺴﺎب ﻣﺒﻠ ﻎ اﻟﻔﺎﺋ ﺪة ﻋﻠ ﻰ أرﺻ ﺪة‬
‫ﺑﻄﺎﻗ ﺎت اﻻﺋﺘﻤ ﺎن اﻟﻤ ﺴﺘﺤﻘﺔ ﻓﻬ ﺬﻩ ﺗﺤ ﺪد ﻓﻘ ﻂ ﻋﻠ ﻰ اﻟﺮﺻ ﻴﺪ‬
‫ أي ﻓ ﻲ اﻟ ﺸﻬﺮ‬، ‫اﻟﻘ ﺎﺋﻢ ﺑﻌ ﺪ ﺗ ﺎرﻳﺦ اﺳ ﺘﺤﻘﺎق ﺳ ﺪادﻩ ﺑﺎﻟﻜﺎﻣ ﻞ‬
‫اﻟﺘﺎﻟﻲ ﻟﺸﻬﺮ اﻟﻤﺸﺘﺮﻳﺎت واﻟﺴﺤﻮﺑﺎت اﻟﻤﺘﺮﺗﺒﺔ ﻋﻠﻰ اﺳ ﺘﺨﺪام‬
(‫ وﻳﺘﻢ اﺣﺘﺴﺎب ﻣﺒﻠﻎ اﻟﻔﺎﺋﺪة ﺑﻤﻮﺟﺐ اﻟﻤﻌﺎدﻟﺔ ﻓﻲ )أ‬، ‫اﻟﺒﻄﺎﻗﺔ‬
‫أﻋﻼﻩ ووﻓﻘﺎ ً ﻟﻠﺴﻌﺮ اﻟﻤﺤﺪد ﻋﻠﻰ اﻟﻠﻮﺣ ﺔ اﻟ ﻮارد ذآﺮه ﺎ ﻓ ﻲ‬
. ‫( ﻣﻦ هﺬا اﻟﻨﻈﺎم‬11) ‫اﻟﻤﺎدة‬
‫ز( ﻳﺤﺪد اﻟﺒﻨﻚ أو ﺷ ﺮآﺔ اﻟﺘﻤﻮﻳ ﻞ اﻟﻨ ﺴﺒﺔ اﻟﺠﺰاﺋﻴ ﺔ ﻓ ﻲ ﺣﺎﻟ ﺔ‬
‫اﻟ ﺴﺪاد اﻟﻜﺎﻣ ﻞ أو اﻟﺠﺰﺋ ﻲ ﻗﺒ ﻞ ﺗ ﺎرﻳﺦ اﺳ ﺘﺤﻘﺎق اﻟﻘ ﺮض أو‬
‫ إﻻ أﻧ ﻪ ﻻ ﻳﺠ ﻮز ﻣ ﻨﺢ ﻗ ﺮض‬، ‫ﻓﻲ ﺣﺎﻟﺔ ﻣﻨﺢ ﻗﺮض ﺗﻜﻤﻴﻠ ﻲ‬
‫ﺗﻜﻤﻴﻠﻲ ﻣﺎ ﻟﻢ ﻳﻜﻦ ﻗﺪ ﺗﻢ ﺳﺪاد اﻟﻘﺮض اﻷﺻﻠﻲ ﺑﺎﻧﺘﻈﺎم ﻟﻔﺘ ﺮة‬
‫ وﻓ ﻲ ﺗﻠ ﻚ اﻟﺤﺎﻟ ﺔ ﻳﻌﻠ ﻦ ﻋ ﻦ اﻟﻨ ﺴﺒﺔ ﻋﻠ ﻰ‬، ‫ﻻ ﺗﻘ ﻞ ﻋ ﻦ ﺳ ﻨﺔ‬
. (2) ‫اﻟﺠﺪول اﻟﻤﺬآﻮر ﻓﻲ اﻟﻤﻠﺤﻖ رﻗﻢ‬
(7) ‫اﻟﻤﺎدة‬
‫أﻗﺴﺎط اﻟﺴﺪاد‬
‫أ( ﻳﺠﺐ أن ﻻ ﻳﺰﻳﺪ ﻣﺎ ﻳﻘﺘﻄﻊ ﻣﻦ اﻟﺮاﺗﺐ أو اﻟﺪﺧﻞ اﻟﻤﻨ ﺘﻈﻢ‬
‫ﻷي ﻣﻘﺘ ﺮض ﻟﻜﺎﻓـ ـﺔ اﻟﻘ ﺮوض اﻟﻤﻤﻨﻮﺣ ﺔ ﻣ ﻦ ﻗﺒ ﻞ اﻟﺒﻨ ﻮك‬
‫ وﻋﻠﻰ ﺳﺒﻴﻞ اﻟﻤﺜ ﺎل ﻻ اﻟﺤ ﺼﺮ‬، ‫وﺷﺮآﺎت اﻟﺘﻤﻮﻳﻞ ﻣﺠﺘﻤﻌﺔ‬
‫ﻗ ﺮض اﻟ ﺴﻴﺎرة وﻗ ﺮض اﻟﺒﻴ ﺖ اﻟﺨ ﺎص وآ ﺬﻟﻚ ﺗ ﺴﻬﻴﻼت‬
‫اﻟ ﺴﺤﺐ ﻋﻠ ﻰ اﻟﻤﻜ ﺸﻮف وﺗ ﺴﻬﻴﻼت ﺑﻄﺎﻗ ﺎت اﻻﺋﺘﻤ ﺎن ﻋ ـﻦ‬
‫( ﺧﻤ ﺴﻴﻦ ﻓ ﻲ اﻟﻤﺎﺋ ﺔ ﻣ ﻦ راﺗﺒ ﻪ اﻹﺟﻤ ﺎﻟﻲ‬%50) ‫ﻣ ﺎ ﻧ ﺴﺒﺘﻪ‬
‫ ﻓ ﻲ أي وﻗ ﺖ ﻣ ﻦ‬، ‫وأي دﺧﻞ ﻣﻦ ﻣ ﺼﺪر ﻣﻌ ﺮوف وﻣﺤ ﺪد‬
. ‫اﻷوﻗﺎت‬
b) Should a loan or a banking facility's repayment
period extends to the retirement age, banks and
finance companies must schedule reduction of
these loans or facilities in such way as to allow
deduction of only 30% of the income (or pension
salary).
c) Banks and finance companies may only take
from the customer the number of postdated
cheques covering the installments, and of value not
exceeding 120% of value of the loan or the debit
balance.
Article (8)
Armed Forces Staff Loans
In the case of army personnel, the conditions
detailed in our Notice No. 1850/2004 dated
14/06/2004 shall continue to apply, but with the
following amendments:
a) The value of installments deducted by the
bank (or the finance company) for all types of
loans and facilities (personal- commercial-
housing – car loan- credit cards and any other
loans or facilities) shall not exceed 50% of the
borrower's gross salary.
b) Military ID cards should not be taken, nor
photocopied. A certificate issued by the Armed
Forces stating gross salary, period of service and
that the applicant is still holding his job should
suffice.
c) In case a lending bank or finance company
fails to abide with the above, the Armed Forces
shall transfer the salary of the concerned Armed
Forces staff to any other bank (or finance
company) without referring to the bank that
extended the loans or facilities.
Article (9)
Bank Accounts & Related Commissions,
Fees and Charges
a) Bank Accounts are: current accounts, savings
accounts, call accounts and the like, as well as
accounts set-up for specific purposes.
9
‫ب( وﻓ ﻲ ﺣﺎﻟ ﺔ آ ﻮن ﻣ ﺪة اﻟﻘ ﺮض أو اﻟﺘ ﺴﻬﻴﻞ اﻟﻤ ﺼﺮﻓﻲ‬
‫ ﻓﻌﻠﻰ اﻟﺒﻨﻮك وﺷ ﺮآﺎت اﻟﺘﻤﻮﻳ ﻞ أن‬، ‫ﺳﺘﻤﺘﺪ إﻟﻰ ﺳﻦ اﻟﺘﻘﺎﻋﺪ‬
‫ﺗﺒ ﺮﻣﺞ ﺗﺨﻔ ﻴﺾ ه ﺬﻩ اﻟﻘ ﺮوض أو اﻟﺘ ﺴﻬﻴﻼت ﺑﻤ ﺎ ﻳ ﺴﻤﺢ‬
. ‫ ﻓﻘﻂ ﻣﻦ اﻟﺪﺧﻞ )أو اﻟﺮاﺗﺐ( اﻟﺘﻘﺎﻋﺪي‬%30 ‫ﺑﺎﺳﺘﻘﻄﺎع‬
‫ﺟـ( ﻳﻤﻜﻦ ﻟﻠﺒﻨﻮك وﺷﺮآﺎت اﻟﺘﻤﻮﻳ ﻞ أن ﺗﺤ ﺼﻞ ﻣ ﻦ اﻟﻌﻤﻴ ﻞ‬
‫ﻓﻘﻂ ﻋﻠﻰ اﻟﻌﺪد ﻣﻦ اﻟﺸﻴﻜﺎت ﻣﺆﺟﻠﺔ اﻻﺳﺘﺤﻘﺎق اﻟ ﺬي ﻳﻐﻄ ﻲ‬
‫ ﻣ ﻦ ﻗﻴﻤ ﺔ اﻟﻘ ﺮض أو‬%120 ‫اﻷﻗ ﺴﺎط وﺑﻘﻴﻤ ﺔ ﻻ ﺗﺰﻳ ﺪ ﻋ ﻦ‬
. ‫اﻟﺮﺻﻴﺪ اﻟﻤﺪﻳﻦ ﻻ ﻏﻴﺮ‬
(8) ‫اﻟﻤﺎدة‬
‫ﻗﺮوض ﻣﻨﺘﺴﺒﻲ اﻟﻘﻮات اﻟﻤﺴﻠﺤﺔ‬
‫أﻣﺎ ﻓﻲ ﺣﺎﻟ ﺔ ﻣﻨﺘ ﺴﺒﻲ اﻟﻘ ﻮات اﻟﻤ ﺴﻠﺤﺔ ﻓﺘﻈ ﻞ ﺗﻨﻄﺒ ﻖ ﻋﻠ ﻴﻬﻢ‬
2004/1850 ‫اﻟﺸﺮوط اﻟﻤﻨﺼـﻮص ﻋﻠﻴﻬﺎ ﻓﻲ اﻹﺷﻌﺎر رﻗﻢ‬
: ‫ وﻟﻜﻦ ﺑﺎﻟﺘﻌﺪﻳﻼت اﻟﺘﺎﻟﻴﺔ‬، 2004/6/14 ‫اﻟﻤﺆرخ‬
‫أ( أن ﻻ ﺗﺰﻳ ﺪ ﻗﻴﻤ ﺔ اﻷﻗ ﺴﺎط اﻟﻤ ﺴﺘﻘﻄﻌﺔ ﻟﻠﺒﻨ ﻚ )أو‬
‫ﺷ ﺮآﺔ اﻟﺘﻤﻮﻳ ﻞ( ﻟﻜﺎﻓ ﺔ أﻧ ﻮاع اﻟﻘ ﺮوض واﻟﺘ ﺴﻬﻴﻼت‬
– ‫اﻟﻤ ﺼﺮﻓﻴﺔ )ﻗ ﺮض ﺷﺨ ﺼﻲ – ﺗﺠ ﺎري – ﻋﻘ ﺎري‬
‫ﺳﻴﺎرة – ﺑﻄﺎﻗﺎت اﺋﺘﻤﺎن – وأﻳ ﺔ ﻗ ﺮوض أو ﺗ ﺴﻬﻴﻼت‬
. ‫ ﻣﻦ اﻟﺮاﺗﺐ اﻹﺟﻤﺎﻟﻲ ﻟﻠﻤﻘﺘﺮض‬%50 ‫أﺧﺮى( ﻋﻦ‬
‫ب( ﻋ ﺪم أﺧ ﺬ اﻟﺒﻄﺎﻗ ﺔ اﻟﻌ ﺴﻜﺮﻳﺔ أو ﺗ ﺼﻮﻳﺮهﺎ ﺑ ﻞ‬
‫ﻳُﻜﺘﻔ ﻰ ﺑﻄﻠ ﺐ ﺷ ﻬﺎدة ﺻ ﺎدرة ﻣ ﻦ اﻟﻘ ﻮات اﻟﻤ ﺴﻠﺤﺔ‬
‫ﺗﻮﺿ ﺢ إﺟﻤ ﺎﻟﻲ اﻟﺮاﺗ ﺐ وﻣ ﺪة اﻟﺨﺪﻣ ﺔ وأن ﺻ ﺎﺣﺐ‬
. ‫اﻟﻄﻠﺐ ﻋﻠﻰ رأس ﻋﻤﻠﻪ‬
(‫ﺟ ـ( ﻓ ﻲ ﺣﺎﻟ ﺔ ﻋ ﺪم اﻟﺘ ﺰام اﻟﺒﻨ ﻚ )أو ﺷ ﺮآﺔ اﻟﺘﻤﻮﻳ ﻞ‬
‫اﻟﻤﻘﺮض ﺑﻤﺎ ذآﺮ أﻋ ﻼﻩ ﺳ ﻮف ﺗﻘ ﻮم اﻟﻘ ﻮات اﻟﻤ ﺴﻠﺤﺔ‬
‫ﺑﺘﺤﻮﻳ ﻞ راﺗ ﺐ ﻣﻨﺘ ﺴﺐ اﻟﻘ ﻮات اﻟﻤ ﺴﻠﺤﺔ إﻟ ﻰ أي ﺑﻨ ﻚ‬
(‫ﺁﺧ ﺮ دون اﻟﺮﺟ ﻮع إﻟ ﻰ اﻟﺒﻨ ﻚ )أو ﺷ ﺮآﺔ اﻟﺘﻤﻮﻳ ﻞ‬
. ‫اﻟﻤﺎﻧﺢ ﻟﻠﻘﺮوض أو اﻟﺘﺴﻬﻴﻼت اﻟﻤﺎﻟﻴﺔ‬
(9) ‫اﻟﻤﺎدة‬
‫اﻟﺤﺴﺎﺑـﺎت اﻟﻤﺼﺮﻓﻴﺔ واﻟﻌﻤﻮﻻت واﻟﺮﺳﻮم‬
‫واﻻﺳﺘﻘﻄﺎﻋﺎت اﻟﻤﺘﻌﻠﻘﺔ ﺑﻬﺎ‬
‫ اﻟﺤﺴﺎﺑﺎت اﻟﺠﺎرﻳﺔ وﺣ ﺴﺎﺑﺎت‬: ‫أ( اﻟﺤﺴﺎﺑﺎت اﻟﻤﺼﺮﻓﻴﺔ هﻲ‬
‫اﻟﺘ ﻮﻓﻴﺮ وﺗﺤ ﺖ اﻟﻄﻠ ﺐ وﻣ ﺎ ﺷ ﺎﺑﻬﻬﺎ وآ ﺬﻟﻚ اﻟﺤ ﺴﺎﺑﺎت‬
. ‫اﻟﻤﺤﺪدة ﻟﻐﺮض ﻣﺎ‬
b) Commercial banks may open all types of
accounts for their retail customers, but in such
cases, they must abide by the standard agreement
mentioned under Article (12) of these Regulations.
In case a customer requested closing of the account
and termination of the business relationship with
the bank, the bank should do that without imposing
a penalty if the account opening date goes back to
more than one year. In all cases, an account must
be closed and an appropriate certificate must be
issued within, maximum, seven days (7) from date
of submission of the application.
c) Banks may set a minimum credit balance for
each account, and impose charges if such
minimum was not maintained, as specified in
Article (11) of this regulation.
d) None of the opened accounts can be considered
"dormant" if the customer's address is known or if
the customer is present and has other active
accounts with the bank. Accounts are classified as
dormant only in accordance with the provisions of
these regulations issued by the Central Bank in this
regard.
e) Banks may issue ATM cards, or debit cards
linked to any type of these accounts. They may
also charge fees for issuance of new cards,
replacement of lost cards or renewal of expired
cards. However, they must declare these fees in the
manner specified in Article (11) of these
Regulations.
Article (10)
Personal Banking Services & the Fees and
Commissions Charged on them
a) Personal Banking Services: are bank transfers,
issuance of bank cheques (or manager's cheques)
issuance of bank guarantees, opening of
documentary credit, discount of cheques of local
and foreign banks, issuance of balance certificates,
issuance of indebtedness certificates and the like.
10
‫ب( ﻳﻤﻜ ﻦ ﻟﻠﺒﻨ ﻮك اﻟﺘﺠﺎرﻳ ﺔ ﻓ ﺘﺢ آﺎﻓ ﺔ أﻧ ﻮاع اﻟﺤ ﺴﺎﺑﺎت‬
‫ﻟﻌﻤﻼﺋﻬﻢ اﻷﻓﺮاد وﻟﻜﻦ ﻓﻲ ﺗﻠﻚ اﻟﺤﺎﻻت ﻳﺠﺐ ﻋﻠﻴﻬﻢ اﻟﺘﻘﻴﺪ‬
‫( ﻣ ﻦ ه ﺬا‬12) ‫ﺑﺎﻻﺗﻔﺎﻗﻴ ﺔ اﻟﻨﻤﻮذﺟﻴ ﺔ اﻟﻤ ﺬآﻮرة ﻓ ﻲ اﻟﻤ ﺎدة‬
‫ آ ﺬﻟﻚ ﻓ ﻲ ﺣﺎﻟ ﺔ ﻃﻠ ﺐ اﻟﻌﻤﻴ ﻞ إﻏ ﻼق اﻟﺤ ﺴﺎب‬، ‫اﻟﻨﻈ ﺎم‬
‫ ﻓﻌﻠﻰ اﻟﺒﻨﻚ ﻓﻌﻞ ذﻟﻚ ﺑﺪون ﻓ ﺮض‬، ‫وإﻧﻬﺎء اﻟﻌﻼﻗﺔ ﺑﺎﻟﺒﻨﻚ‬
. ‫ﻏﺮاﻣﺔ إذا آﺎن ﺗﺎرﻳﺦ ﻓﺘﺢ اﻟﺤﺴﺎب ﻳﻌﻮد ﻷآﺜﺮ ﻣ ﻦ ﺳ ﻨﺔ‬
‫وﻓ ﻲ ﺟﻤﻴ ﻊ اﻷﺣ ﻮال ﻳﺠ ﺐ إﻏ ﻼق اﻟﺤ ﺴﺎب وإﺻ ﺪار‬
‫( أﻳﺎم ﻣ ﻦ ﺗ ﺎرﻳﺦ ﺗﻘ ﺪﻳﻢ اﻟﻄﻠ ﺐ‬7) ‫اﻟﺸﻬﺎدة اﻟﻤﻨﺎﺳﺒـﺔ ﺧﻼل‬
.‫ﺑﺤﺪ ٍ أﻗﺼﻰ‬
‫ﺟـ( ﻳﻤﻜﻦ ﻟﻠﺒﻨﻮك أن ﺗﺤﺪد ﺣﺪا ً أدﻧ ﻰ ﻣ ﻦ اﻟﺮﺻ ﻴﺪ اﻟ ﺪاﺋﻦ‬
‫ﻟﻜ ﻞ ﺣ ﺴﺎب وﺗﻔ ﺮض ﺗﺤﻤ ﻴﻼت ﻣﻌﻴﻨ ﺔ ﻋﻠ ﻰ اﻟﺤ ﺴﺎب إذا‬
‫ وﻓﻘﺎ ً ﻟﻤﺎ هﻮ ﻣﺤ ﺪد ﻓ ﻲ‬، ‫ﻗﻞ اﻟﺮﺻﻴﺪ ﻓﻴﻪ ﻋﻦ اﻟﺤﺪ اﻷدﻧﻰ‬
. ‫( ﻣﻦ هﺬا اﻟﻨﻈﺎم‬11) ‫اﻟﻤﺎدة‬
‫د( ﻻ ﻳﻤﻜ ﻦ اﻋﺘﺒ ﺎر أي ﺣ ﺴﺎب ﻣ ﻦ اﻟﺤ ﺴﺎﺑﺎت اﻟﻤﻔﺘﻮﺣ ﺔ‬
ً ‫ﺧﺎﻣ ﺪا ً )ﻏﻴ ﺮ ﻣﺘﺤ ﺮك( إذا آ ﺎن ﻋﻨ ﻮان اﻟﻌﻤﻴ ﻞ ﻣﻌﺮوﻓ ﺎ‬
‫وآ ﺎن اﻟﻌﻤﻴ ﻞ ﻣﺘﻮاﺟ ﺪا ً أو ﻟ ﻪ ﺣ ﺴﺎﺑﺎت أﺧ ﺮى ﻣﺘﺤﺮآ ﺔ‬
ً ‫ وﻳ ﺘﻢ ﺗ ﺼﻨﻴﻒ اﻟﺤ ﺴﺎﺑﺎت ﻋﻠ ﻰ أﻧﻬ ﺎ ﺧﺎﻣ ﺪة وﻓﻘ ﺎ‬، ‫ﺑﺎﻟﺒﻨ ﻚ‬
‫ﻷﺣﻜ ﺎم اﻟﻨﻈ ﺎم اﻟﺨ ﺎص ﺑ ﺬﻟﻚ اﻟ ﺼﺎدر ﻣ ﻦ اﻟﻤ ﺼﺮف‬
. ‫اﻟﻤﺮآﺰي ﻻ ﻏﻴﺮ‬
‫ه ـ( ﻳﻤﻜ ﻦ ﻟﻠﺒﻨ ﻮك أن ﺗ ﺼﺪر ﺑﻄﺎﻗ ﺎت ﺳ ﺤﺐ ﺁﻟ ﻲ أو‬
، ‫ﺑﻄﺎﻗ ﺎت ﺧ ﺼﻢ ﻣﺮﺗﺒﻄ ﺔ ﺑ ﺄي ﻧ ﻮع ﻣ ﻦ ه ﺬﻩ اﻟﺤ ﺴﺎﺑﺎت‬
‫وﻟﻬﺎ أن ﺗﻔﺮض رﺳﻮم ﻋﻠﻰ إﺻﺪار هﺬﻩ اﻟﺒﻄﺎﻗﺎت أو ﺑ ﺪل‬
‫ ﻟﻜ ﻦ ﻳﺠ ﺐ أن‬، ‫ﻓﺎﻗ ﺪ ﻋﻨﻬ ﺎ أو ﺗﺠﺪﻳ ﺪهﺎ ﻋﻨ ﺪ اﻧﺘﻬ ﺎء ﻣ ﺪﺗﻬﺎ‬
(11) ‫ﺗﻌﻠﻦ ﻋﻦ هﺬﻩ اﻟﺮﺳﻮم وﻓﻘﺎ ﻟﻤﺎ هﻮ ﻣﺤﺪد ﻓ ﻲ اﻟﻤ ﺎدة‬
. ‫ﻣﻦ هﺬا اﻟﻨﻈﺎم‬
(10) ‫اﻟﻤﺎدة‬
‫اﻟﺨﺪﻣﺎت اﻟﻤﺼﺮﻓﻴﺔ اﻟﺸﺨﺼﻴﺔ‬
‫واﻟﻌﻤﻮﻻت واﻟﺮﺳﻮم ﻋﻠﻴﻬﺎ‬
‫ ه ﻲ اﻟﺘﺤ ﻮﻳﻼت‬: ‫أ( اﻟﺨ ﺪﻣﺎت اﻟﻤ ﺼﺮﻓﻴﺔ اﻟﺸﺨ ﺼﻴﺔ‬
‫ إﺻ ﺪار اﻟ ﺸﻴﻜـﺎت اﻟﻤ ﺼﺮﻓﻴـﺔ )أو ﺷ ﻴﻚ‬، ‫اﻟﻤ ﺼﺮﻓﻴـﺔ‬
‫ ﻓ ﺘﺢ اﻻﻋﺘﻤ ﺎدات‬، ‫ إﺻﺪار اﻟﻜﻔ ﺎﻻت اﻟﻤ ﺼﺮﻓﻴﺔ‬، (‫اﻟﻤﺪﻳﺮ‬
، ‫ ﺧ ﺼﻢ ﺷ ﻴﻜﺎت اﻟﺒﻨ ﻮك اﻟﻤﺤﻠﻴ ﺔ واﻷﺟﻨﺒﻴ ﺔ‬، ‫اﻟﻤ ﺼﺮﻓﻴﺔ‬
‫ وﻣ ﺎ‬، ‫إﺻ ﺪار ﺷ ﻬﺎدات اﻟﺮﺻ ﻴﺪ وﺷ ﻬﺎدات اﻟﻤﺪﻳﻮﻧﻴ ﺔ‬
.‫ﺷﺎﺑﻬﻬﺎ‬
b) All banks and finance companies (finance
companies are not permitted to open current,
savings or call accounts to retail customers or
provide services and facilities relating to such
accounts) may provide the personal banking
services mentioned in (a) above and collect related
commissions and fees, or deduct such fees from
the account, however they should declare them in
the manner specified in Article (11) of these
Regulations.
Article (11)
Interest Rates, Commissions and Banking
Service Charges
a) Each bank or finance company shall determine
the interest rates pertaining to personal loans and
car loans (must include insurance and expressed in
one figure) along with overdraft balances and
unpaid credit cards balances and include them in
the table shown in Annex-1 of these Regulations.
Copy of this table must be sent for publication by
the Central Bank.
b) Fees, commissions, deductions and charges on
loans, overdraft balances and unpaid credit card
balances and those charged on retail banking
services, shall be in accordance with the limits
prescribed in the table shown in Annex-2 of these
Regulations. Banks and finance companies may
not impose any commissions, fees, charges or fines
other than those mentioned in the said table
without Central Bank's written approval.
c) Any Fees/ commissions on purchase/ sale of
currency notes, Travelers Cheques, Demand
Drafts, and Telegraphic Transfers for major
countries must also be clearly written in Arabic
and English on a board of an appropriate size to be
fixed next to the Foreign Exchange Counter in the
banking hall at banks’ branches, as shown in
Annex-3 of these Regulations.
d) The Central Bank shall annually review fees,
commissions and charges imposed as per table No-
(2) attached to these regulations.
11
‫ب( ﻳﻤﻜﻦ ﻟﻜﺎﻓﺔ اﻟﺒﻨﻮك وﺷﺮآﺎت اﻟﺘﻤﻮﻳﻞ )ﺷ ﺮآﺎت اﻟﺘﻤﻮﻳ ﻞ‬
‫ﻏﻴ ﺮ ﻣ ﺼﺮح ﻟﻬ ﺎ ﺑﻔ ﺘﺢ ﺣ ﺴﺎﺑﺎت ﺟﺎرﻳ ﺔ أو ﺗ ﻮﻓﻴﺮ أو ﺗﺤ ﺖ‬
‫اﻟﻄﻠ ﺐ ﻟﻠﻌﻤ ﻼء اﻷﻓ ﺮاد أو ﺗﻘ ﺪﻳﻢ اﻟﺨ ﺪﻣﺎت واﻟﺘ ﺴﻬﻴﻼت‬
‫اﻟﻤ ﺼﺮﻓﻴﺔ اﻟﻤﺘﻌﻠﻘ ﺔ ﺑﻬ ﺬﻩ اﻟﺤ ﺴﺎﺑﺎت( ﺗﻘ ﺪﻳﻢ اﻟﺨ ﺪﻣﺎت‬
‫اﻟﻤﺼﺮﻓﻴﺔ اﻟﺸﺨﺼﻴﺔ اﻟﻤﺬآﻮرة ﻓﻲ )أ( وﺗﺤ ﺼﻴﻞ اﻟﻌﻤ ﻮﻻت‬
‫واﻟﺮﺳ ـﻮم واﻟﺘﺤﻤ ﻴﻼت اﻟﻤﺘﻌﻠﻘ ﺔ ﺑﻬ ﺎ أو اﻗﺘﻄﺎﻋﻬ ﺎ ﻣ ﻦ‬
ً ‫ إﻻ أﻧ ﻪ ﻳﺠ ﺐ ﺗﺒﻴﺎﻧﻬ ﺎ ﺑﺎﻟﺘﻔﺎﺻ ﻴﻞ اﻟﻤﻨﺎﺳﺒـ ـﺔ وﻓﻘ ﺎ‬، ‫اﻟﺤ ﺴﺎب‬
. ‫( ﻣﻦ هﺬا اﻟﻨﻈﺎم‬11) ‫ﻟﻤﺎ هﻮ ﻣﺤﺪد ﻓﻲ اﻟﻤﺎدة‬
(11) ‫اﻟﻤﺎدة‬
‫اﻟﻔﺎﺋﺪة وﻋﻤﻮﻻت ورﺳﻮم اﻟﺨﺪﻣﺎت اﻟﻤﺼﺮﻓﻴﺔ‬
‫أ( ﻳﺤ ﺪد آ ﻞ ﺑﻨ ﻚ أو ﺷ ﺮآﺔ ﺗﻤﻮﻳ ﻞ أﺳ ﻌﺎر اﻟﻔﺎﺋ ﺪة اﻟﻤﺘﻌﻠﻘ ﺔ‬
‫ﺑ ﺎﻟﻘﺮوض اﻟﺸﺨ ﺼﻴﺔ وﻗ ﺮوض اﻟ ﺴﻴﺎرة )ﻳﺠ ﺐ أن ﺗﻜ ﻮن‬
‫ وآ ﺬﻟﻚ‬، (‫ وﺗﻮﺿ ﻊ آ ﺮﻗﻢ واﺣ ﺪ‬، ‫ﻣﺘ ﻀﻤﻨﺔ رﺳ ﻮم اﻟﺘ ﺄﻣﻴﻦ‬
‫أرﺻﺪة اﻟﺴﺤﺐ ﻋﻠﻰ اﻟﻤﻜ ﺸﻮف وأرﺻ ﺪة ﺑﻄﺎﻗ ﺎت اﻻﺋﺘﻤ ﺎن‬
‫ﻏﻴﺮ اﻟﻤﺴﺪدة وﺗﻮﺿﻊ ﻓ ﻲ اﻟﺠ ﺪول اﻟ ﻮارد ﻓ ﻲ اﻟﻤﻠﺤ ﻖ رﻗ ﻢ‬
‫ ﻣ ﻊ إرﺳ ﺎل ﻧ ﺴﺨﺔ ﻣ ﻦ اﻟﺠ ﺪول‬، ‫( اﻟﻤﺮﻓ ﻖ ﺑﻬ ﺬا اﻟﻨﻈ ﺎم‬1)
. ‫ﻟﻐﺮض اﻟﻨﺸﺮ ﻣﻦ ﻗﺒﻞ اﻟﻤﺼﺮف اﻟﻤﺮآﺰي‬
‫ب( ﺗﻜﻮن اﻟﺮﺳﻮم واﻟﻌﻤ ﻮﻻت واﻻﺳ ﺘﻘﻄﺎﻋﺎت واﻟﺘﺤﻤ ﻴﻼت‬
‫اﻟﻤﻔﺮوﺿﺔ ﻋﻠﻰ اﻟﻘﺮوض وأرﺻﺪة اﻟﺴﺤﺐ ﻋﻠﻰ اﻟﻤﻜﺸﻮف‬
‫وأرﺻ ﺪة ﺑﻄﺎﻗ ﺎت اﻻﺋﺘﻤ ﺎن ﻏﻴ ﺮ اﻟﻤ ﺴﺪدة وﺗﻠ ﻚ اﻟﻤﻔﺮوﺿ ﺔ‬
‫ﻋﻠ ﻰ اﻟﺨ ﺪﻣﺎت اﻟﻤ ﺼﺮﻓﻴﺔ ﻟﻠﻌﻤ ﻼء اﻷﻓ ﺮاد وﻓ ﻖ اﻟﺤ ﺪود‬
‫( ﺑﻬ ﺬا‬2) ‫اﻟﻤﻘ ـﺮرة ﻓ ﻲ اﻟﺠ ﺪول اﻟ ﻮارد ﻓ ﻲ اﻟﻤﺮﻓ ﻖ رﻗ ﻢ‬
‫ وﻻ ﻳﺠ ﻮز ﻟﻠﺒﻨ ﻮك وﺷ ﺮآﺎت اﻟﺘﻤﻮﻳ ﻞ ﻓ ﺮض‬، ‫اﻟﻨﻈ ﺎم‬
‫ﻋﻤﻮﻻت أو رﺳﻮم أو ﺗﺤﻤﻴﻼت أو ﻏﺮاﻣﺎت ﻏﻴ ﺮ اﻟﻤ ﺬآﻮرة‬
‫ﻓ ﻲ ه ﺬا اﻟﺠ ﺪول إﻻ ﺑﻌ ﺪ اﻟﺤ ﺼﻮل ﻋﻠ ﻰ ﻣﻮاﻓﻘ ﺔ اﻟﻤ ﺼﺮف‬
. ‫اﻟﻤﺮآﺰي اﻟﻤﻜﺘﻮﺑﺔ‬
‫ﺟـ( ﻳﺠﺐ أن ﺗﻜﺘﺐ اﻟﺮﺳﻮم أو اﻟﻌﻤﻮﻻت اﻟﻤﻔﺮوﺿﺔ ﻋﻠﻰ‬
‫ اﻟ ﺸﻴﻜﺎت اﻟ ﺴﻴﺎﺣﻴﺔ‬، ‫ ﺑﻴ ﻊ اﻟﻌﻤ ﻼت اﻟﻨﻘﺪﻳ ﺔ‬/‫ﺷ ﺮاء‬
‫واﻟﺸﻴﻜﺎت اﻟﺒﻨﻜﻴﺔ واﻟﺘﺤﻮﻳﻼت اﻟﺘﻠﻐﺮاﻓﻴ ﺔ ﻟﻠ ﺪول اﻟﺮﺋﻴ ﺴﻴﺔ‬
‫ ﻋﻠ ﻰ‬، ‫ ﺑ ﺎﻟﻠﻐﺘﻴﻦ اﻟﻌﺮﺑﻴ ﺔ واﻻﻧﺠﻠﻴﺰﻳ ﺔ‬، ‫ﺑ ﺼﻮرة واﺿ ﺤﺔ‬
‫ ﻳﺘﻢ ﺗﺜﺒﻴﺘﻬﺎ ﺑﺠﺎﻧﺐ آﺎوﻧﺘﺮ ﻣﻌ ﺎﻣﻼت‬، ‫ﻟﻮﺣﺔ ﺑﺤﺠﻢ ﻣﻨﺎﺳﺐ‬
‫ﺻ ﺮف اﻟﻨﻘ ﺪ اﻷﺟﻨﺒ ﻲ ﻓ ﻲ ﻗﺎﻋ ﺔ اﻟﻤﻌ ﺎﻣﻼت اﻟﺒﻨﻜﻴ ﺔ ﻓ ﻲ‬
‫ﻓ ﺮوع اﻟﺒﻨ ﻮك وذﻟ ﻚ ﻋﻠ ﻰ اﻟﻨﺤ ـﻮ اﻟﻤﻮﺿ ـﺢ ﻓ ﻲ اﻟﻤﻠﺤ ﻖ‬
. ‫( اﻟﻤﺮﻓﻖ ﺑﻬﺬا اﻟﻨﻈﺎم‬3) ‫رﻗﻢ‬
‫د( ﻳﻘﻮم اﻟﻤﺼﺮف اﻟﻤﺮآ ﺰي ﺑﻤﺮاﺟﻌ ﺔ اﻟﺮﺳ ﻮم واﻟﻌﻤ ﻮﻻت‬
‫واﻻﺳﺘﻘﻄﺎﻋﺎت واﻟﺘﺤﻤﻴﻼت اﻟﻤﻔﺮوﺿ ﺔ وﻓﻘ ﺎ ً ﻟﻠﺠ ﺪول رﻗ ﻢ‬
.ً ‫( اﻟﻤﺮﻓﻖ ﺑﻬﺬا اﻟﻨﻈﺎم ﺳﻨﻮﻳﺎ‬2)
 Article (12)
Conditions for Opening of Accounts,
Providing of Credit Cards and Granting
Loans & Bank Facilities
a) Conditions for opening of accounts of all types
as well as conditions for obtaining credits cards
must be included in a standard agreement, drafted
in both English and Arabic and written in an easily
readable font, and in accordance with texts drafted
and approved by the Emirates Banks Association.
b) Conditions for granting personal loans, car
loans, overdraft facilities and facilities for covering
unpaid credit card balances must be included in
standard applications, drafted in both Arabic and
English and written in an easily readable font, and
in accordance with texts drafted and approved by
the Emirates Banks Association.
Article (13)
Shariaah Compliant Banking Services
The provisions of these Regulations shall apply to
Shariaah compliant banking services, except in the
matter of computing interest and determining its
amount, which would be done in accordance with
Shariaah principles.
In such case, clarity, transparent disclosure,
accuracy and documentation at all times, must all
be observed, and copy of the established rates
should be sent to the Central Bank for publication.
Article (14)
Violations to the Provisions of These Regulations
Should suspicions arise as to the violation of
provisions of these Regulations by any bank, the
matter shall be referred to the Legal Development
Unit of the Central Bank to decide whether such
violation has occurred. If the violation is
established, the fine referred to in Article (107) of
Union Law No- (10) of 1980 Regarding the
Central Bank, the Monetary System and
Organization of Banking, shall be imposed, and
shall apply to each violation, and be charged on
daily basis to the violating bank, until rectified.
12
(12) ‫اﻟﻤﺎدة‬
‫ﺷﺮوط ﻓﺘﺢ اﻟﺤﺴﺎﺑﺎت وﺗﻘﺪﻳﻢ ﺑﻄﺎﻗﺎت اﻻﺋﺘﻤﺎن وﻣﻨﺢ‬
‫اﻟﻘﺮوض واﻟﺘﺴﻬﻴﻼت اﻟﻤﺼﺮﻓﻴﺔ‬
: ‫ﺗﻌﺮﻳﻒ‬
‫أ( ﺗـُﻀﻤﱠﻦ ﺷﺮوط ﻓﺘﺢ اﻟﺤﺴﺎﺑﺎت ﺑﺠﻤﻴﻊ أﻧﻮاﻋﻬﺎ وﺷ ﺮوط‬
‫اﻟﺤ ﺼﻮل ﻋﻠ ﻰ ﺑﻄﺎﻗ ﺎت اﻻﺋﺘﻤ ﺎن ﻓ ﻲ اﺗﻔﺎﻗﻴ ﺎت ﻧﻤﻮذﺟﻴ ﺔ‬
، ‫ﺑﺎﻟﻠﻐﺔ اﻟﻌﺮﺑﻴﺔ واﻹﻧﺠﻠﻴﺰﻳﺔ ﺗﻜﺘﺐ ﺑﺨ ﻂ واﺿ ﺢ وﻣﻘ ﺮوء‬
‫وﺗﻜ ﻮن وﻓﻘ ﺎ ً ﻟ ﺼﻴﻎ ﺗ ﻀﻌﻬﺎ وﺗﻌﺘﻤ ﺪهﺎ ﺟﻤﻌﻴ ﺔ ﻣ ﺼﺎرف‬
. ‫اﻹﻣﺎرات‬
‫ب( ﺗُـ ﻀﻤﱠﻦ ﺷ ﺮوط ﻣ ﻨﺢ اﻟﻘ ﺮوض اﻟﺸﺨ ﺼﻴﺔ وﻗ ﺮوض‬
‫اﻟﺴﻴﺎرات وﺗﺴﻬﻴﻼت اﻟﺴﺤﺐ ﻋﻠ ﻰ اﻟﻤﻜ ﺸﻮف وﺗ ﺴﻬﻴﻼت‬
‫ﺗﻐﻄﻴ ﺔ أرﺻ ﺪة ﺑﻄﺎﻗ ﺎت اﻻﺋﺘﻤ ﺎن ﻏﻴ ﺮ اﻟﻤﺪﻓﻮﻋ ﺔ ﻓ ﻲ‬
‫ﻃﻠﺒ ﺎت ﻧﻤﻮذﺟﻴ ﺔ ﺑﺎﻟﻠﻐ ﺔ اﻟﻌﺮﺑﻴ ﺔ واﻹﻧﺠﻠﻴﺰﻳ ﺔ ﺗﻜﺘ ﺐ ﺑﺨ ﻂ‬
‫ وﺗﻜ ﻮن وﻓﻘ ﺎ ً ﻟ ﺼﻴﻎ ﺗ ﻀﻌﻬﺎ وﺗﻌﺘﻤ ﺪهﺎ‬، ‫واﺿﺢ وﻣﻘﺮوء‬
. ‫ﺟﻤﻌﻴﺔ ﻣﺼﺎرف اﻹﻣﺎرات‬
(13) ‫اﻟﻤﺎدة‬
‫اﻟﺨﺪﻣﺎت اﻟﻤﺼﺮﻓﻴﺔ اﻟﻤﻘﺪﻣﺔ‬
‫وﻓﻘﺎ ً ﻟﻤﺒﺎدئ اﻟﺸﺮﻳﻌﺔ اﻹﺳﻼﻣﻴﺔ‬
‫ﺗﻨﻄﺒ ﻖ أﺣﻜ ـﺎم ه ﺬا اﻟﺘﻌﻤ ﻴﻢ ﻋﻠ ﻰ اﻟﺨ ﺪﻣﺎت اﻟﻤ ﺼﺮﻓﻴﺔ‬
‫ ﻋ ﺪا ﻣ ﺎ ﻳﺘﻌﻠ ﻖ‬،‫اﻟﻤﻘﺪﻣﺔ وﻓﻘﺎ ً ﻟﻤﺒ ﺎدئ اﻟ ﺸﺮﻳﻌﺔ اﻹﺳ ﻼﻣﻴﺔ‬
‫ إذ ﻳﻄﺒ ﻖ ﻣ ﺎ‬، ‫ﺑ ﺄﻣﺮ اﺣﺘ ﺴﺎب اﻷرﺑ ﺎح وﺗﺤﺪﻳ ﺪ ﻣﺒﻠﻐﻬ ﺎ‬
.‫ﻳﺘﻮاﻓﻖ وأﺣﻜﺎم اﻟﺸﺮﻳﻌﺔ اﻹﺳﻼﻣﻴﺔ‬
‫وﻓﻲ هﺬﻩ اﻟﺤﺎﻟﺔ ﻳﺠﺐ اﻟﺘﻮﺿﻴﺢ واﻹﻓﺼﺎح ﺑﻜﻞ ﺷﻔﺎﻓﻴﺔ ودﻗﺔ‬
‫ ﻣﻊ إرﺳ ﺎل ﻧ ﺴﺨﺔ ﻣ ﻦ اﻟﻨ ﺴﺐ‬، ‫واﻟﺘﻮﺛﻴﻖ ﻓﻲ ﺟﻤﻴﻊ اﻷوﻗﺎت‬
. ‫اﻟﻤﻌﺘﻤﺪة إﻟﻰ اﻟﻤﺼﺮف اﻟﻤﺮآﺰي ﻟﻐﺮض اﻟﻨﺸﺮ‬
(14) ‫اﻟﻤﺎدة‬
‫ﻣﺨﺎﻟﻔﺔ أﺣﻜﺎم هﺬا اﻟﻨﻈﺎم‬
‫ﻋﻨﺪ اﻟﺸﻚ ﻓﻲ ﻣﺨﺎﻟﻔﺔ أي ﺑﻨﻚ أو ﺷﺮآﺔ ﺗﻤﻮﻳﻞ ﻷﺣﻜﺎم هﺬا‬
‫اﻟﻨﻈ ﺎم ﻳﻌ ﺮض اﻷﻣ ﺮ ﻋﻠ ﻰ وﺣ ﺪة ﺗﻄ ﻮﻳﺮ اﻟﻘ ﻮاﻧﻴﻦ‬
‫واﻷﻧﻈﻤ ﺔ ﺑﺎﻟﻤ ﺼـﺮف اﻟﻤﺮآ ﺰي ﻟﺘﻘﺮﻳ ﺮ ﻣ ﺎ إذا آ ﺎن ﻗ ﺪ‬
‫ وإن ﺣﺪﺛﺖ اﻟﻤﺨﺎﻟﻔﺔ ﺗﻔﺮض اﻟﻐﺮاﻣﺔ اﻟﻤﺤﺪدة‬، ‫ﺣﺪث ذﻟﻚ‬
‫ ﻓ ﻲ ﺷ ﺄن‬1980 ‫( ﻟ ﺴﻨﺔ‬10) ‫ﻓ ﻲ اﻟﻘ ﺎﻧﻮن اﻻﺗﺤ ﺎدي رﻗ ﻢ‬
‫اﻟﻤ ﺼﺮف اﻟﻤﺮآ ﺰي واﻟﻨﻈ ﺎم اﻟﻨﻘ ﺪي وﺗﻨﻈ ﻴﻢ اﻟﻤﻬﻨ ﺔ‬
‫ وﺗﺤﺘﺴﺐ اﻟﻐﺮاﻣﺔ ﻋﻦ آ ﻞ ﻣﺨﺎﻟﻔ ﺔ‬، ‫اﻟﻤﺼﺮﻓﻴﺔ وﺗﻌﺪﻳﻼﺗﻪ‬
‫وﺗﻘﻴ ﺪ ﻋﻠ ﻰ اﻟﺒﻨ ﻚ اﻟﻤﺨ ﺎﻟﻒ أو ﺷ ﺮآﺔ اﻟﺘﻤﻮﻳ ﻞ اﻟﻤﺨﺎﻟﻔ ﺔ‬
. ‫ﻳﻮﻣﻴﺎ ً إﻟﻰ أن ﻳﺘﻢ ﺗﺼﺤﻴﺢ اﻟﻤﺨﺎﻟﻔﺔ‬
 Article (15)
General Provisions
a) Banks or finance companies are not allowed to
alter or vary terms and conditions for granting the
loan or the facility during the tenor of the loan or
the facility, unless agreed to in writing by the
borrower. In case of changes to the commissions or
fees, customers must be notified, at least, two
months prior to implementation of such changes.
b) Banks and finance companies are prohibited
from taking blank cheques for granting loans or
overdraft facilities, or for issuing credit cards.
Article (16)
The Provisions of These Regulations Are Not
Applicable to Merchant and Investment Banks
The provisions of these Regulations are not
applicable to investment banks or merchant banks,
nor to finance or investment companies, since these
institutions are not authorized to provide personal
loans or retail banking services. Moneychangers,
however, shall only be subject to the provisions
regarding bank transfers and exchange of currency.
Article (17)
Responsibilities of the Banking Supervision &
Examination Department
a) The Banking Supervision & Examination
Department will issue a guide to clarify how banks
should comply with the provisions of these
Regulations and submit the required statistical data to
the Central Bank.
b) The Banking Supervision & Examination
Department will also issue a guide to its examiners to
explain the regulatory procedures relevant to these
Regulations.
Article (18)
Cancellation of the
Previous Circular on the Subject
Upon enforcement of this Regulation, Circular No-
12/93 dated 23/2/1993, and Central Bank's
clarifications ref. DMM/1263/93 dated 6/7/1993, and
any notices or directives relating thereto shall be
cancelled, except for Notice No- 1850/2004, dated
14/6/2004, regarding Armed Forces Personnel.
13
(15) ‫اﻟﻤﺎدة‬
‫أﺣﻜـــﺎم ﻋﺎﻣــــــﺔ‬
‫أ( ﻻ ﻳﺤ ﻖ ﻟﻠﺒ ـﻨﻮك أو ﺷ ﺮآﺎت اﻟﺘﻤﻮﻳ ﻞ ﺗﻐﻴﻴ ﺮ أو ﺗﻌ ﺪﻳﻞ‬
‫ﺷ ﺮوط ﻣ ﻨﺢ اﻟﻘ ﺮض أو اﻟﺘ ﺴﻬﻴــﻞ اﻟﻤ ﺼﺮﻓﻲ ﺧ ﻼل ﻓﺘ ﺮة‬
‫ ﻣ ﺎ ﻟ ﻢ ﻳﻜ ﻦ ذﻟ ﻚ ﺑﻨ ﺎء ﻋﻠ ﻰ ﻣﻮاﻓﻘ ﺔ‬، ‫اﻟﻘ ﺮض أو اﻟﺘ ﺴﻬﻴﻞ‬
‫ﺧﻄﻴ ﺔ ﻣ ﻦ اﻟﻌﻤﻴ ﻞ وﻓ ﻲ ﺣﺎﻟ ﺔ ﺗﻐﻴﻴ ﺮ أﺳ ﻌﺎر اﻟﻌﻤ ﻮﻻت‬
‫واﻟﺮﺳ ﻮم ﻳ ﺘﻢ إﻋ ﻼم اﻟﻌﻤ ﻼء ﻗﺒ ﻞ ﺗﻄﺒﻴ ﻖ ه ﺬﻩ اﻟﺘﻐﻴﻴ ﺮات‬
. ‫ﺑﺸﻬﺮﻳﻦ ﻋﻠﻰ اﻷﻗﻞ‬
‫ب( ﻳﻤﻨﻊ ﻋﻠﻰ اﻟﺒﻨﻮك وﺷﺮآﺎت اﻟﺘﻤﻮﻳﻞ أﺧﺬ ﺷﻴﻜﺎت ﻣﻮﻗﻌ ﺔ‬
‫ﻋﻠﻰ ﺑﻴﺎض ﻣﻘﺎﺑﻞ ﻣﻨﺢ اﻟﻘﺮوض أو ﺗ ﺴﻬﻴﻼت اﻟ ﺴﺤﺐ ﻋﻠ ﻰ‬
.‫اﻟﻤﻜﺸﻮف أو ﺑﻄﺎﻗﺎت اﻻﺋﺘﻤﺎن‬
(16) ‫اﻟﻤﺎدة‬
‫أﺣﻜﺎم هﺬا اﻟﻨﻈﺎم ﻻ ﺗﻨﻄﺒﻖ‬
‫ﻋﻠﻰ ﺑﻨﻮك اﻷﻋﻤﺎل وﺑﻨﻮك اﻻﺳﺘﺜﻤﺎر‬
‫أﺣﻜﺎم هﺬا اﻟﻨﻈﺎم ﻻ ﺗﻨﻄﺒ ﻖ ﻋﻠ ﻰ ﺑﻨ ﻮك اﻷﻋﻤ ﺎل أو ﺑﻨ ﻮك‬
‫ ﻷﻧﻬﺎ ﻏﻴﺮ ﻣ ﺼﺮح ﻟﻬ ﺎ‬، ‫اﻻﺳﺘﺜﻤﺎر أو ﺷﺮآﺎت اﻻﺳﺘﺜﻤﺎر‬
‫ﺑﺘﻘ ﺪﻳﻢ اﻟﻘ ﺮوض اﻟﺸﺨ ﺼﻴــﺔ أو اﻟﺨﺪﻣـ ـﺎت اﻟﻤ ﺼﺮﻓﻴﺔ‬
‫ أﻣ ﺎ اﻟ ﺼﺮاﻓﺎت ﻓﻴﻨﻄﺒ ﻖ ﻋﻠﻴﻬ ﺎ اﻟﺠ ﺰء‬، ‫ﻟﻠﻌﻤ ﻼء اﻷﻓ ﺮاد‬
. ‫اﻟﺨﺎص ﺑﺎﻟﺘﺤﻮﻳﻼت اﻟﻤﺼﺮﻓﻴﺔ وﺗﺒﺪﻳﻞ اﻟﻌﻤﻠﺔ ﻻ ﻏﻴﺮ‬
(17) ‫اﻟﻤﺎدة‬
‫ﻣﺴﺆوﻟﻴﺔ داﺋﺮة اﻟﺮﻗﺎﺑﺔ واﻟﺘﻔﺘﻴﺶ ﻋﻠﻰ اﻟﻤﺼﺎرف‬
‫أ( ﻋﻠ ﻰ داﺋ ﺮة اﻟﺮﻗﺎﺑ ﺔ واﻟﺘﻔﺘ ﻴﺶ ﻋﻠ ﻰ اﻟﻤ ﺼﺎرف وﺿ ﻊ‬
‫دﻟﻴﻞ ﻟﺘﻮﺿ ﻴﺢ ﺧﻄ ﻮات اﻟﺘ ﺰام اﻟﺒﻨ ﻮك وﺷ ﺮآﺎت اﻟﺘﻤﻮﻳ ﻞ‬
‫واﻟ ﺼﺮاﻓﺎت ﺑﺄﺣﻜ ﺎم ه ﺬا اﻟﻨﻈ ﺎم وﺗﻘ ﺪﻳﻢ اﻟﺒﻴﺎﻧ ﺎت‬
.‫اﻹﺣﺼﺎﺋﻴﺔ اﻟﻤﻄﻠﻮﺑﺔ ﺑﻤﻮﺟﺒﻪ‬
‫ب( ﻋﻠ ﻰ داﺋ ﺮة اﻟﺮﻗﺎﺑ ﺔ واﻟﺘﻔﺘ ﻴﺶ ﻋﻠ ﻰ اﻟﻤ ﺼﺎرف أﻳ ﻀًﺎ‬
‫وﺿ ﻊ دﻟﻴ ﻞ ﺁﺧ ﺮ ﻟﻤﻔﺘ ﺸﻴﻬﺎ ﻳ ﺸﺮح اﻹﺟ ﺮاءات اﻟﺮﻗﺎﺑﻴ ﺔ‬
.‫اﻟﺨﺎﺻﺔ ﺑﻬﺬا اﻟﻨﻈﺎم‬
(18) ‫اﻟﻤﺎدة‬
‫إﻟﻐﺎء اﻟﺘﻌﻤﻴﻢ اﻟﺴﺎﺑﻖ ﺣﻮل اﻟﻤﻮﺿﻮع‬
‫ اﻟﻤ ﺆرخ‬93/12 ‫ ﻳﻠﻐﻰ اﻟﺘﻌﻤ ﻴﻢ رﻗ ﻢ‬، ‫ﻋﻨﺪ اﻟﻌﻤﻞ ﺑﻬﺬا اﻟﻨﻈﺎم‬
‫ وآ ﺬﻟﻚ إﻳ ﻀﺎﺣﺎت اﻟﻤ ﺼﺮف اﻟﻤﺮآ ﺰي ذات‬1993/2/23
‫ وأﻳ ﺔ‬1993/7/6 ‫ اﻟﻤﺆرﺧ ﺔ‬93/1263/‫اﻟﻤﺮﺟ ﻊ دم م‬
‫ ﻋ ﺪا اﻹﺷ ﻌﺎر رﻗ ﻢ‬، ‫إﺷ ﻌﺎرات أو ﺗﻮﺟﻴﻬ ﺎت ﻣﺘﻌﻠﻘ ﺔ ﺑ ﻪ‬
‫ ﻓ ﻲ ﺷ ﺄن ﻣﻨﺘ ﺴﺒﻲ‬2004/6/14 ‫ اﻟﻤ ﺆرخ‬2004/1850
. ‫اﻟﻘﻮات اﻟﻤﺴﻠﺤﺔ‬
 Article (19)
Interpretation of these Regulations
The Legal Development Unit of the Central Bank
shall be the reference for interpretation of the
provisions these Regulations.
(19) ‫اﻟﻤﺎدة‬
‫ﺗﻔﺴﻴﺮ أﺣﻜﺎم هﺬا اﻟﻨﻈﺎم‬
‫ﺗﻜ ﻮن وﺣ ﺪة ﺗﻄ ﻮﻳﺮ اﻟﻘ ﻮاﻧﻴﻦ واﻷﻧﻈﻤ ﺔ ﺑﺎﻟﻤ ﺼﺮف‬
. ‫اﻟﻤﺮآﺰي هﻲ اﻟﻤﺮﺟﻊ ﻟﺘﻔﺴﻴﺮ أﺣﻜﺎم هﺬا اﻟﻨﻈﺎم‬

Article (20) (20) ‫اﻟﻤﺎدة‬

Currently Outstanding Loans
The provisions of these Regulations shall apply to
the personal consumer loans and car loans
currently existing, except for commissions, fees or
any fines charged on them prior to the date on
which these regulations come into force.
ً ‫اﻟﻘﺮوض اﻟﻘﺎﺋﻤﺔ ﺣﺎﻟﻴﺎ‬
‫ﺗﻨﻄﺒ ﻖ أﺣﻜ ﺎم ه ﺬا اﻟﻨﻈ ﺎم ﻋﻠ ﻰ اﻟﻘ ﺮوض واﻟﺘ ﺴﻬﻴﻼت‬
‫اﻟﻤ ﺼﺮﻓﻴﺔ اﻟﻘﺎﺋﻤ ﺔ ﺣﺎﻟﻴ ﺎ ً ﻣ ﺎ ﻋ ﺪا اﻟﻌﻤ ﻮﻻت واﻟﺮﺳ ﻮم أو‬
‫أﻳ ﺔ ﻏﺮاﻣ ﺎت ﺗ ﻢ اﺣﺘ ﺴﺎﺑﻬﺎ ﻋﻠﻴﻬ ﺎ ﻗﺒ ﻞ ﺗ ﺎرﻳﺦ اﻟﻌﻤ ﻞ ﺑﻬ ﺬا‬
. ‫اﻟﻨﻈﺎم‬

Article (21) (21) ‫اﻟﻤﺎدة‬

Publication ‫ﻧﺸـــﺮ اﻟﻨﻈــــﺎم‬
These regulations shall be published in the Official ‫ﻳﻨ ﺸﺮ ه ﺬا اﻟﻨﻈ ﺎم ﻓ ﻲ اﻟﺠﺮﻳ ﺪة اﻟﺮﺳ ﻤﻴﺔ ﺑ ﺎﻟﻠﻐﺘﻴﻦ اﻟﻌﺮﺑﻴ ﺔ‬
Gazette in both Arabic and English, and shall come . ‫واﻻﻧﺠﻠﻴﺰﻳﺔ وﻳﻌﻤﻞ ﺑﻪ ﺑﻌﺪ ﺷﻬﺮ ﻣﻦ ﺗﺎرﻳﺦ ﻧﺸﺮﻩ‬
into effect one month after date of its publication.

‫ﺧﻠﻴﻞ ﻣﺤﻤﺪ ﺷﺮﻳﻒ ﻓﻮﻻذي‬

‫رﺋﻴﺲ ﻣﺠﻠﺲ اﻹدارة‬
‫ﻣﺼﺮف اﻹﻣﺎرات اﻟﻌﺮﺑﻴﺔ اﻟﻤﺘﺤﺪة اﻟﻤﺮآﺰي‬
Khalil Mohammed Sharif Foulathi
Chairman of the Board
Central Bank of the UAE

Issued in Abu Dhabi on 23/02/2011 2011/02/23 ‫ﺻﺪر ﻓﻲ أﺑﻮﻇﺒﻲ ﺑﺘﺎرﻳﺦ‬

14
 ‫)‪Appendix No. (1‬‬ ‫ﻣﻠﺤـــﻖ رﻗﻢ )‪(1‬‬

‫‪Interest rates charge‬‬ ‫اﺳﻌﺎر اﻟﻔﺎﺋﺪة اﻟﻤﻔﺮوﺿﺔ ﻋﻠﻰ‬

‫‪on Loans‬‬ ‫اﻟﻘﺮوض‬

‫ﻣﺪى ﺳﻌﺮ اﻟﻔﺎﺋﺪة‬

‫‪Interest Rate‬‬
‫‪Range‬‬
‫)‪Interest/ profit on a personal loan (p.a.‬‬ ‫ﺳﻌﺮ اﻟﻔﺎﺋﺪة‪ /‬اﻟﺮﺑﺢ ﻋﻠﻰ اﻟﻘﺮض اﻟﺸﺨﺼﻲ )ﺳﻨﻮي(‬
‫‪- from AED 0 – AED 50 k‬‬ ‫‪-----------------‬‬
‫‪ -‬ﻣﻦ ‪ 0‬درهﻢ ‪ 50 -‬اﻟﻒ درهﻢ‬
‫‪- from AED 51 k – AED 100 k‬‬ ‫‪-----------------‬‬ ‫‪ -‬ﻣﻦ ‪ 51‬أﻟﻒ درهﻢ – ‪ 100‬اﻟﻒ درهﻢ‬
‫‪- from AED 101 k – AED 200 k‬‬ ‫‪-----------------‬‬ ‫‪ -‬ﻣﻦ ‪ 101‬اﻟﻒ درهﻢ – ‪ 200‬اﻟﻒ درهﻢ‬
‫‪- above AED 200 k‬‬ ‫‪-----------------‬‬ ‫‪ -‬أآﺜﺮ ﻣﻦ ‪ 200‬أﻟﻒ درهﻢ‬

‫)‪Interest/ profit on a car loan (p.a.‬‬
‫‪- from AED 0 – AED 50 k‬‬
‫‪- from AED 51 k – AED 100 k‬‬
‫‪- from AED 101 k – AED 200 k‬‬
‫‪- above AED 200 k‬‬
‫‪Interest/ profit on overdrafts‬‬
‫)‪(p.a.‬‬
‫‪- from AED 0 – AED 30 k‬‬
‫‪- from AED 31 k – AED 50 k‬‬
‫‪- from AED 51 k – AED 100 k‬‬
‫‪- above AED 100 k‬‬
‫ﺳﻌﺮ اﻟﻔﺎﺋﺪة‪ /‬اﻟﺮﺑﺢ ﻋﻠﻰ ﻗﺮض اﻟﺴﻴﺎرة )ﺳﻨﻮي(‬
‫‪-----------------‬‬ ‫‪ -‬ﻣﻦ ‪ 0‬درهﻢ ‪ 50 -‬اﻟﻒ درهﻢ‬
‫‪-----------------‬‬ ‫‪ -‬ﻣﻦ ‪ 51‬أﻟﻒ درهﻢ – ‪ 100‬اﻟﻒ درهﻢ‬
‫‪-----------------‬‬ ‫‪ -‬ﻣﻦ ‪ 101‬اﻟﻒ درهﻢ – ‪ 200‬اﻟﻒ درهﻢ‬
‫‪-----------------‬‬ ‫‪ -‬أآﺜﺮ ﻣﻦ ‪ 200‬أﻟﻒ درهﻢ‬
‫ﺳ ﻌﺮ اﻟﻔﺎﺋ ﺪة‪ /‬اﻟ ﺮﺑﺢ ﻋﻠ ﻰ ﺗ ﺴﻬﻴﻼت اﻟ ﺴﺤﺐ ﻋﻠ ﻰ‬
‫اﻟﻤﻜﺸﻮف )ﺳﻨﻮي(‬
‫‪-----------------‬‬ ‫‪ -‬ﻣﻦ ‪ 0‬درهﻢ ‪ 30 -‬اﻟﻒ درهﻢ‬
‫‪-----------------‬‬ ‫‪ -‬ﻣﻦ ‪ 31‬أﻟﻒ درهﻢ – ‪ 50‬اﻟﻒ درهﻢ‬
‫‪-----------------‬‬ ‫‪ -‬ﻣﻦ ‪ 51‬اﻟﻒ درهﻢ – ‪ 100‬اﻟﻒ درهﻢ‬
‫‪-----------------‬‬ ‫‪ -‬أآﺜﺮ ﻣﻦ ‪ 100‬أﻟﻒ درهﻢ‬

‫‪Interest / profit on unpaid balance on‬‬ ‫ﺳﻌﺮ اﻟﻔﺎﺋﺪة‪ /‬اﻟﺮﺑﺢ ﻋﻠﻰ اﻟﺮﺻﻴﺪ ﻏﻴ ﺮ اﻟﻤ ﺴﺪد ﻟﺒﻄﺎﻗ ﺔ‬
‫)‪credit card (p.m.‬‬ ‫اﻻﺋﺘﻤﺎن )ﺷﻬﺮي(‪.‬‬
‫‪- from AED 0 – AED 30 k‬‬ ‫‪-----------------‬‬ ‫‪ -‬ﻣﻦ ‪ 0‬درهﻢ ‪ 30 -‬اﻟﻒ درهﻢ‬
‫‪- from AED 31 k – AED 50 k‬‬ ‫‪-----------------‬‬ ‫‪ -‬ﻣﻦ ‪ 31‬أﻟﻒ درهﻢ – ‪ 50‬اﻟﻒ درهﻢ‬
‫‪- from AED 51 k – AED 100 k‬‬ ‫‪-----------------‬‬ ‫‪ -‬ﻣﻦ ‪ 51‬اﻟﻒ درهﻢ – ‪ 100‬اﻟﻒ درهﻢ‬
‫‪- above AED 100 k‬‬ ‫‪-----------------‬‬ ‫‪ -‬أآﺜﺮ ﻣﻦ ‪ 100‬أﻟﻒ درهﻢ‬
‫ص ع‪ /‬م ز‬
‫‪Com/maisoun 11/BSED pers.loans – attach. 15-2-11 app. 1‬‬

‫‪15‬‬
 Appendix No. (2) (2) ‫ﻣﻠﺤـــﻖ رﻗﻢ‬

Maximum Limits for Fees and Commissions ‫اﻟﺤﺪود اﻟﻘﺼﻮى ﻟﻠﺮﺳﻮم واﻟﻌﻤﻮﻻت ﻋﻠﻰ اﻟﺨﺪﻣﺎت‬
Charged on Retail Customer Service ‫اﻟﻤﻘﺪﻣﺔ ﻟﻠﻌﻤﻼء اﻷﻓﺮاد‬

‫اﻟﺤﺪ اﻷﻗﺼﻰ‬ :‫اﻟﺤﺴﺎﺑﺎت اﻟﺠﺎرﻳﺔ وﺣﺴﺎﺑﺎت اﻟﺘﻮﻓﻴﺮ‬

Personal Accounts:
Maximum Rate
‫ﺑﺪون رﺳﻮم‬ ‫ رﺳﻮم ﻓﺘﺢ ﺣﺴﺎب‬-
Account Opening Fees
Without fees
Minimum Balance AED 3,000 ‫درهﻢ‬ ‫ اﻟﺤﺪ اﻷدﻧﻰ ﻟﻠﺮﺻﻴﺪ‬-
Breach of Min Balance (monthly) AED 25 ‫درهﻢ‬
‫ﻞ اﻟﺮﺻ ﻴﺪ ﻋ ﻦ‬
ّ ‫ اﻟﺘﺤﻤﻴﻼت اﻟﻤﻔﺮوﺿﺔ إذا ﻗ‬-
(‫اﻟﺤﺪ اﻷدﻧﻰ )ﺷﻬﺮي‬
‫ﺑﺪون رﺳﻮم‬ ‫ رﺳﻮم ﻋﻼﻗﺔ‬-
Relationship Fee
Without fees
‫ﺑﺪون رﺳﻮم‬ ‫ ﻋﺪم وﺻﻮل اﻟﺮاﺗﺐ إﻟﻰ اﻟﺤﺴﺎب‬-
Non receipt of salary
Without fees
‫ درهﻢ دﻓﻊ ﻋﻠﻰ اﻟﺸﺒﺎك‬10 ‫ دﻓﻊ ﻓﻮاﺗﻴﺮ ﺧﺪﻣﺎت )اﻻﻧﺘﺮﻧﻴﺖ واﻟ ﺼﺮاف‬-
Utility Bill Payment (Internet & ATM Free) AED 10 for counter
payment
.(‫اﻵﻟﻲ ﻣﺠﺎﻧًﺎ‬
Account Closure fee ( if closed within 1 year
AED100 ‫درهﻢ‬
‫ إﻏ ﻼق ﺣ ﺴﺎب )إذا ﺗ ﻢ إﻏ ﻼق اﻟﺤ ﺴﺎب‬-
of opening) (‫ﺧﻼل ﺳﻨﺔ ﻣﻦ ﻓﺘﺤﻪ‬
Standing Instruction set up. AED 50 ‫درهﻢ‬ ‫ وﺿﻊ ﻃﻠﺐ أﻣﺮ دﻓﻊ‬-
Penalty fee for insufficient
AED 25 ‫درهﻢ‬
‫ ﻏﺮاﻣﺔ ﻋﺪم وﺟﻮد رﺻﻴﺪ آﺎﻓﻲ ﻟﺘﻨﻔﻴ ﺬ أﻣ ﺮ‬-
funds for standing orders .‫اﻟﺪﻓﻊ‬
Account balance letter AED 50 ‫درهﻢ‬ ‫ ﺷﻬﺎدة رﺻﻴﺪ ﺣﺴﺎب‬-
No liability certificate AED 100 ‫درهﻢ‬ ‫ ﺷﻬﺎدة ﻋﺪم اﻟﺘﺰاﻣﺎت‬-
Release letter AED 50 ‫درهﻢ‬ ‫ ﺷﻬﺎدة ﺑﺮاءة ذﻣﺔ‬-
Liability letter issued to
AED 100 ‫درهﻢ‬
‫ ﺷﻬﺎدة ﻋﺪم اﻟﺘﺰاﻣﺎت ﻣﻮﺟﻬ ﺔ إﻟ ﻰ اﻟﺠﻬ ﺎت‬-
government departments/embassies .‫اﻟﺤﻜﻮﻣﻴﺔ واﻟﺴﻔﺎرات‬
Liability letter issued to
AED 100 ‫درهﻢ‬
‫ ﺷ ﻬﺎدة ﻋ ﺪم اﻟﺘﺰاﻣ ﺎت ﻣﻮﺟﻬ ﺔ إﻟ ﻰ‬-
financial institutions ‫اﻟﻤﺆﺳﺴﺎت اﻟﻤﺎﻟﻴﺔ‬
Dormant account charge
‫ﺑﺪون رﺳﻮم‬ ‫ رﺳﻮم ﻟﻠﺤﺴﺎﺑﺎت ﻏﻴﺮ اﻟﻤﺘﺤﺮآﺔ‬-
Without fees
‫ درهﻢ ﺧﺎرج اﻟﺪورة‬25 ‫ آﺸﻒ ﺣﺴﺎب دوري )ﻣﺠﺎﻧًﺎ ﻟﻠﺪورة اﻟﻤﺘﻔﻖ‬-
Statement of Account (per cycle) (Free within
Outside the cycle
the agreed cycle)
AED 25
.(‫ﻋﻠﻴﻬﺎ‬
Teller Services (6 free per month) ‫ درهﻢ ﻟﻜﻞ ﻣﻌﺎﻣﻠﺔ‬10 ‫ رﺳﻮم اﺳﺘﺨﺪام اﻟﺼﻨﺪوق أو اﻟﺼﺮاف‬-
‫إﺿﺎﻓﻴﺔ‬
Additional at AED10
.(‫ ﻣﻌﺎﻣﻼت ﻣﺠﺎﻧﻴﺔ ﺷﻬﺮﻳًﺎ‬6)
per transaction
Bulk cash deposit & withdrawal at teller ‫ﺑﺪون رﺳﻮم‬ ‫اﻟﺴﺤﺐ اﻟﻨﻘﺪي ﻟﺪى اﻟﺸﺒﺎك‬/‫ﻋﻤﻮﻟﺔ اﻹﻳﺪاع‬
counter Without fees

16
 ‫اﻟﺤﺪ اﻷﻗﺼﻰ‬ ‫اﻟﺸﻴﻜـــﺎت‬
Cheques Maximum Rate
‫ درهﻢ ﻟﻜﻞ دﻓﺘﺮ‬25
25 ‫إﺿﺎﻓﻲ ﻣﻜﻮن ﻣﻦ‬
‫ورﻗﺔ‬ (‫ ورﻗﺔ‬25 ‫ دﻓﺘـﺮ اﻟﺸﻴﻜﺎت )دﻓﺘﺮ ﻣﺠﺎﻧﻲ‬-
Cheque Book (one cheque book of 25 leaf
Additional cheque
free)
book of 25 leaf -
AED 25 per
cheque book
Issuing of a Bank Cheque AED 30 ‫درهﻢ‬ ‫ إﺻﺪار ﺷﻴﻚ ﺑﻨﻜﻲ‬-
Cheques returned drawn on the account ‫ رﺳﻮم اﻟﺸﻴﻜﺎت اﻟﻤﺮﺗﺠﻌ ﺔ اﻟﻤ ﺴﺤﻮﺑﺔ ﻋﻠ ﻰ‬-
AED 100 ‫درهﻢ‬
(per instrument/cheque) (‫اﻷداة اﻟﻮاﺣﺪة‬/‫اﻟﺤﺴﺎب )ﻟﻠﺸﻴﻚ‬
Cheques payable at centers ‫ اﻟ ﺸﻴﻜﺎت اﻟﻤﺪﻓﻮﻋ ﺔ ﻓ ﻲ اﻟﻤﺮاآ ﺰ ﻻ ﺗﻮﺟ ﺪ‬-
‫ﺑﺪون رﺳﻮم‬
where Central Bank clearing Without fees ‫ﺑﻬﺎ ﻣﻘﺎﺻﺔ ﻟﻠﻤﺼﺮف اﻟﻤﺮآﺰي‬
facility is not available
Returned cheque deposited in own ‫ﺑﺪون رﺳﻮم‬ ‫ اﻟ ﺸﻴﻜﺎت اﻟﻤﺮﺗﺠﻌ ﺔ اﻟﻤﻮدﻋ ﺔ ﻓ ﻲ ﺣ ﺴﺎب‬-
account Without fees
‫اﻟﻌﻤﻴﻞ‬
‫ﺑﺪون رﺳﻮم‬ ‫ اﻟﺸﻴﻜﺎت ﻟﻠﺘﺤﺼﻴﻞ داﺧﻞ اﻟﺪوﻟﺔ‬-
Cheques for collection within the UAE Without fees
‫ﻳﺘﺮك ﻟﻠﺒﻨﻚ ﺗﺤﺪﻳﺪ اﻟﺮﺳﻢ‬ ‫ اﻟﺸﻴﻜﺎت ﻟﻠﺘﺤﺼﻴﻞ ﺧﺎرج اﻟﺪوﻟﺔ‬-
Cheque for collection outside the UAE At Banks'
discretion
Stop payment (per instrument/ (‫اﻷداة اﻟﻮاﺣﺪة‬/‫ أﻣﺮ وﻗﻒ دﻓﻊ )ﻟﻠﺸﻴﻚ‬-
AED 50 ‫درهﻢ‬
cheque)
Counter Cheques- cash ‫ﺑﺪون رﺳﻮم‬ ‫ﺳﺤﺐ ﻧﻘﺪي ﻟﺪى اﻟﺸﺒﺎك‬/‫ ﺷﻴﻜﺎت‬-
withdrawal Without fees
Cheque photocopy ،‫ درهﻢ أﻗﻞ ﻣﻦ ﺳﻨﺔ‬10 ‫ ﺻﻮرة ﻋﻦ اﻟﺸﻴﻚ‬-
‫ درهﻢ ﻷآﺜﺮ ﻣﻦ ﺳﻨﺔ‬20
less than 1 year 10
AED, over 1 year
20 AED
Debit card ‫ﺑﻄﺎﻗـﺔ ﺧﺼـﻢ‬
‫ﺑﺪون رﺳﻮم‬ ‫ إﺻﺪار ﺑﻄﺎﻗﺔ ﺻﺮاف ﺁﻟﻲ‬-
Issuing ATM card Without fees
Issuing supplementary ATM card AED 25 ‫درهﻢ‬ ‫ إﺻﺪار ﺑﻄﺎﻗﺔ ﺻﺮاف ﺁﻟﻲ إﺿﺎﻓﻴﺔ‬-
Replacing Secret Pin code AED 25 ‫درهﻢ‬ ‫ اﺳﺘﺒﺪال اﻟﺮﻣﺰ اﻟﺴﺮي‬-
‫ اﺳﺘﺒﺪال ﺑﻄﺎﻗﺔ اﻟﺼﺮاف اﻵﻟﻲ اﻟﻤﻔﻘ ﻮدة أو‬-
Replacing lost or stolen ATM card AED 25 ‫درهﻢ‬
‫اﻟﻤﺴﺮوﻗﺔ‬
‫ﺑﺪون رﺳﻮم‬ ‫ رﺳ ﻮم اﺳ ﺘﺨﺪام ﺟﻬ ﺎز ﺻ ﺮف ﺁﻟ ﻲ ﺗ ﺎﺑﻊ‬-
Own ATM fees Without fees ‫ﻟﻠﺒﻨﻚ‬
‫ رﺳ ﻮم اﺳ ﺘﺨﺪام ﺟﻬ ﺎز ﺻ ﺮف ﺁﻟ ﻲ ﺗ ﺎﺑﻊ‬-
Fees for using other bank's ATM . AED 2 ‫درهﻢ‬
.‫ﻟﺒﻨﻚ ﺁﺧﺮ‬
Fees for using an ATM outside the UAE ‫ﺣﺴﺐ ﻧﻈﺎم اﻟﺪوﻟﺔ اﻟﻤﻀﻴﻔﺔ‬ . ‫ رﺳﻮم اﺳﺘﺨﺪام ﺻﺮف ﺁﻟﻲ ﺧﺎرج اﻟﺪوﻟﺔ‬-
As per host country
system
Processing fee for foreign currency 2% ‫ رﺳﻮم ﻣﻌﺎﻟﺠ ﺔ إﺿ ﺎﻓﻴﺔ ﻓ ﻮق ﺳ ﻌﺮ ﺻ ﺮف‬-
17
transaction added to the foreign exchange .‫اﻟﻌﻤﻼت اﻷﺟﻨﺒﻴﺔ‬
rate.
Copy of sales slip AED 25 ‫درهﻢ‬ ‫ ﺻﻮرة ﻋﻦ ﻗﺴﻴﻤﺔ اﻟﻤﺒﻴﻌﺎت‬-

Personal Loans ‫اﻟﻘﺮوض اﻟﺸﺨﺼﻴﺔ‬

‫ ﻣﻦ ﻗﻴﻤﺔ اﻟﻘﺮض‬%1
‫ درهﻢ‬500 ‫أﻗﻞ رﺳﻢ‬ ‫رﺳﻮم اﻹﻋﺪاد‬
‫ درهﻢ‬2500 ‫أآﺜﺮ رﺳﻢ‬
Processing Fees
1% of loan amount
Min. AED 500
Max. AED 2500
‫ﻳﺘﺮك ﻟﻠﺒﻨﻚ ﺗﺤﺪﻳﺪ اﻟﺮﺳﻢ‬
Credit life insurance At Banks' ‫ﺗﺄﻣﻴﻦ ﻋﻠﻰ اﻟﺤﻴﺎة اﺋﺘﻤﺎﻧﻲ‬
discretion
Delayed payment penal ‫ ﻟﻠﺪﻓﻌﺔ اﻟﻤﺘﺄﺧﺮة‬%2 ‫ﻓﺎﺋﺪة ﺟﺰاﺋﻴﺔ ﻋﻠﻰ اﻟﺴﺪاد اﻟﻤﺘﺄﺧﺮ‬
interest charges ‫ درهﻢ‬50 ‫أﻗﻞ رﺳﻢ‬
‫ درهﻢ‬200 ‫أآﺜﺮ رﺳﻢ‬
2% of the delayed
amount Min AED
50 Max AED 200
Loan top Up ‫ ﻣﻦ ﻗﻴﻤﺔ اﻟﺰﻳﺎدة‬%1 ‫زﻳﺎدة ﻋﻠﻰ اﻟﻘﺮض اﻷﺻﻠﻲ‬
‫ درهﻢ‬500 ‫أﻗﻞ رﺳﻢ‬
‫ درهﻢ‬2500 ‫أآﺜﺮ رﺳﻢ‬
1% of the top up
amount
Min. AED 500
Max. AED 2500
Deferment of installment ‫ درهﻢ ﻟﻜﻞ ﺗﺄﺟﻴﻞ‬100 ‫ﺗﺄﺟﻴﻞ ﺳﺪاد اﻟﻘﺴﻂ‬
AED 100 per
deferment
Early Settlement from same Bank loans ‫ ﻣﻦ ﻗﻴﻤﺔ اﻟﺮﺻﻴﺪ‬%1 ‫ﺗﺴﻮﻳﺔ ﻣﺒﻜﺮة ﻟﻘﺮوض ﻣﻦ ﻧﻔﺲ اﻟﺒﻨﻚ‬
‫اﻟﻤﺘﺒﻘﻲ‬
1% of remaining
balance
Early Settlement from other bank loans ‫ ﻣﻦ ﻗﻴﻤﺔ اﻟﺮﺻﻴﺪ‬%1 ‫ﺗﺴﻮﻳﺔ ﻣﺒﻜﺮة ﻟﻘﺮوض ﻣﻦ ﺑﻨﻚ ﺁﺧﺮ‬
‫اﻟﻤﺘﺒﻘﻲ‬
1% of remaining
balance
‫ ﻣﻦ ﻗﻴﻤﺔ اﻟﺮﺻﻴﺪ‬%1 ‫ﻓﻮاﺋ ﺪ ﻣ ﺎ‬/‫ﺗ ﺴﻮﻳﺔ ﻧﻬﺎﺋﻴ ﺔ ﻣ ﻦ ﻣ ﺼﺎدر أﺧ ﺮى‬
Final settlement from other
‫اﻟﻤﺘﺒﻘﻲ‬ ‫ﺑﻌﺪ اﻟﺨﺪﻣﺔ‬
sources/End of Service
1% of remaining
Benefits (EOSB)
balance
‫ ﻣﻦ ﻗﻴﻤﺔ اﻟﺪﻓﻌﺔ‬%1 ‫ ﺑﻤﺎ‬،‫ﺳﺪاد ﺟﺰﺋﻲ ﻣﻦ آﺎﻓﺔ اﻟﻤﺼﺎدر اﻷﺧﺮى‬
Partial payment from all sources ‫اﻟﺠﺰﺋﻴﺔ‬ ‫ﻓﻲ ذﻟﻚ ﻓﻮاﺋﺪ ﻣﺎ ﺑﻌﺪ اﻟﺨﺪﻣﺔ‬
including EOSB 1% of the partial
payment amount
Loan Rescheduling Fee AED 250 ‫درهﻢ‬ ‫رﺳﻮم إﻋﺎدة هﻴﻜﻠﺔ اﻟﻘﺮض‬
Revolving Overdrafts Fees AED 200 ‫درهﻢ‬ ‫رﺳﻮم ﺳﺤﺐ ﻋﻠﻰ اﻟﻤﻜﺸﻮف ﻣﺘﺠﺪد‬
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 Loan Cancellation Fee AED 100 ‫درهﻢ‬ ‫رﺳﻮم إﻟﻐﺎء اﻟﻘﺮض‬
‫ﺑﺪون رﺳﻮم‬ ‫رﺳﻮم ﻋﻼﻗﺔ‬
Relationship Fee
Without fees

Car Loans ‫ﻗﺮوض اﻟﺴﻴﺎرات‬

Processing fees ‫ ﻣﻦ ﻗﻴﻤﺔ اﻟﻘﺮض‬%1 ‫رﺳﻮم إﻋﺪاد‬
‫ درهﻢ‬500 ‫أﻗﻞ رﺳﻢ‬
‫ درهﻢ‬2500 ‫أآﺜﺮ رﺳﻢ‬
1% of loan amount
Min. AED 500
Max. AED 2500
‫ ﻣﻦ اﻟﺮﺻﻴﺪ اﻟﻤﺘﺒﻘﻲ‬%1 ‫رﺳﻮم ﺗﺴﻮﻳﺔ ﻣﺒﻜﺮة ﻟﻘﺮض ﺳﻴﺎرة‬
Early settlement for car loan 1% of remaining
balance
‫ﺑﺪون رﺳﻮم‬ ‫ﺷﻬﺎدة ﻋﺪم ﻣﻤﺎﻧﻌﺔ ﻟﺴﻠﻄﺎت اﻟﻤﺮور‬
NOC to Traffic department Without fees
Replacement of existing post dated ‫ﺑﺪون رﺳﻮم‬ ‫اﺳﺘﺒﺪال ﺷﻴﻜﺎت ﺁﺟﻠﺔ ﺑﺸﻴﻜﺎت ﺁﺟﻠﺔ أﺧﺮى‬
Cheques with new post dated Cheques Without fees
Advance payment of installment ‫ ﻣﻦ ﻗﻴﻤﺔ اﻟﺪﻓﻌﺔ‬%1 ‫ﺳﺪاد ﻣﻘﺪم ﻟﻘﺴﻂ‬
‫اﻟﻤﻘﺪﻣﺔ‬
1% of the advanced
payment
Change of due date on standing ‫ﺗﻐﻴﻴﺮ ﺗﺎرﻳﺦ اﻻﺳﺘﺤﻘﺎق ﻟﺘﻌﻠﻴﻤﺎت ﺛﺎﺑﺘﺔ‬
AED 25 ‫درهﻢ‬
instructions
‫ درهﻢ ﻟﻜﻞ ﺗﺄﺟﻴﻞ‬100 ‫ﺗﺤﻤﻴﻼت ﺗﺄﺟﻴﻞ اﻟﻘﺴﻂ‬
Installment deferment charges AED 100 per
deferment
Loan rescheduling fee AED250 ‫درهﻢ‬ ‫رﺳﻮم إﻋﺎدة هﻴﻜﻠﺔ اﻟﻘﺮض‬
Late payment penal interest charges ‫ ﻓﻮق ﺳﻌﺮ اﻟﻔﺎﺋﺪة‬%2 ‫ﻓﺎﺋﺪة ﺟﺰاﺋﻴﺔ ﻋﻠﻰ اﻟﺴﺪاد اﻟﻤﺘﺄﺧﺮ‬
‫اﻟﻤﺘﻔﻖ ﻋﻠﻴﻪ‬
‫ درهﻢ‬50 ‫أﻗﻞ رﺳﻢ‬
‫ درهﻢ‬200 ‫أآﺜﺮ رﺳﻢ‬
2% over agreed
rate, Min. AED 50
Max. AED 200
‫ﺑﺪون رﺳﻮم‬ ‫آﻞ اﻟﺮﺳﻮم ﻏﻴﺮ اﻟﻤﺬآﻮرة أﻋﻼﻩ‬
All other items not mentioned above Without fees
‫ م ز‬/‫ص ع‬
Com/maisoun 11/BSED pers.loans – attach. 15-2-11

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 ‫)‪Appendix (3‬‬ ‫ﻣﻠﺤـﻖ رﻗﻢ )‪(3‬‬

‫‪Foreign Exchange‬‬ ‫اﻟﺮﺳﻮم واﻟﻌﻤﻮﻻت اﻟﻤﺘﻌﻠﻘﺔ‬

‫‪Related fees/commissions‬‬ ‫ﺑﺎﻟﻨﻘـــﺪ اﻷﺟﻨﺒـــﻲ‬

‫رﺳﻮم ﺷﺮاء ‪ /‬ﺑﻴﻊ اﻷوراق اﻟﻨﻘﺪﻳّﺔ واﻟ ﺸﻴﻜﺎت اﻟ ﺴﻴﺎﺣﻴّﺔ & ‪Fees for purchase /Sale of currency notes‬‬
‫‪TC's (Over & above posted Exchange‬‬ ‫)زﻳﺎدة ﻋﻠﻰ أﺳﻌﺎر اﻻﺳﺘﺒﺪال اﻟﻤﻌﻠﻨـﺔ( ‪.‬‬
‫‪rates).‬‬

‫‪Fees on sale of TCs :‬‬ ‫رﺳﻮم ﺑﻴﻊ اﻟﺸﻴﻜﺎت اﻟﺴﻴﺎﺣﻴـﺔ ‪- :‬‬

‫‪-‬‬ ‫‪-----------------------.‬‬ ‫‪-----------------------‬‬ ‫‪-‬‬

‫‪-‬‬ ‫‪-----------------------.‬‬ ‫‪-----------------------‬‬ ‫‪-‬‬
‫‪-‬‬ ‫‪-----------------------‬‬ ‫‪-----------------------‬‬ ‫‪-‬‬

‫‪Fees on issuing Demand Drafts :‬‬ ‫رﺳﻮم إﺻﺪار اﻟﺸﻴﻜﺎت اﻟﺒﻨﻜﻴـّﺔ ‪:‬‬

‫‪Fees on Telegraphic Transfers to :‬‬ ‫رﺳﻮم اﻟﺘﺤﻮﻳﻼت اﻟﺘﻠﻐﺮاﻓﻴـّﺔ إﻟـﻰ ‪:‬‬

‫‪-‬‬ ‫‪India‬‬ ‫اﻟﻬﻨـﺪ‬ ‫‪-‬‬

‫‪-‬‬ ‫‪Pakistan‬‬ ‫ﺑﺎآﺴﺘﺎن‬ ‫‪-‬‬
‫‪-‬‬ ‫‪Egypt‬‬ ‫ﻣﺼﺮ‬ ‫‪-‬‬
‫‪-‬‬ ‫‪----------‬‬
‫‪-------------‬‬ ‫‪-‬‬
‫‪-‬‬ ‫‪----------‬‬
‫‪-------------‬‬ ‫‪-‬‬
‫‪-‬‬ ‫‪---------- etc.‬‬
‫‪ -------------‬اﻟﺦ ‪.‬‬ ‫‪-‬‬

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