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Islamic Banking Services
Shariah compliant solutions for Retail banking customers
Al Watani Al Islami (AWAI) is the Islamic finance window set up to provide bespoke Islamic solutions to our valued customers.
We offer Shariah compliant structures for financial requirements and our dedicated Islamic team combines Shariah expertise with strong market insight to provide solutions which meet our customer’s needs.
The product offering is customer centric and aims at enhancing the experience through simple process and documentation.
Calculate your monthly payments
AmountAED 80,000
25,000300,000
Tenor48 Months
12 months60 months
Flat rate: 2.69% p.a. and reducing rate of 5.06% p.a.
Flat rate: 3.00% p.a. and reducing rate of 5.55% p.a.
1850.00AED / Month
Rates starting from 2.69% (flat) p.a. Minimum tenor 12 Months, Maximum finance tenor 60 Months. Processing fees: 1%. Maximum APR: 4%. Terms & conditions apply. Profit rates vary by tenor and are subject to banks policy.
Murabaha Auto Finance
Everything you need for the car of your dreams
‘Murabaha Auto Finance’ gets you started on a road trip in your dream car with a host of exclusive benefits and savings which are unparalleled, while complying with your values. Its many features include:
- Half-day approvals with easy process and simple documentation
- Attractive pricing for both passenger and business vehicles
- Flexible payment options
- Enhanced Auto Protect credit life* Takaful
- Online Salik recharge and RTA fine payment facility
- Preferential motor Takaful rates through our preferred partners
- Simplified documentation and process
* Auto Protect feature is applicable only after Auto Finance is obtained.
Compare Your Benefits
| Benefits | Competition | Murabaha Auto Finance | Invest in your Auto Finance | Staggered Installment Plan (SIP) |
|---|---|---|---|---|
| Get the best Motor Takaful rates | No | Yes | Yes | Yes |
| Online Salik Recharge & RTA fine payment facility | No | Yes | Yes | Yes |
| Free Annual Registration renewal service at your doorstep | No | Yes | Yes | Yes |
| Round the clock Roadside Assistance | No | Yes | Yes | Yes |
| Free Credit Card for the first year | No | Yes | Yes | Yes |
| Free Bank Account | Yes | Yes | Yes | Yes |
| Down-payment converted into an profit bearing Fixed Deposit | No | No | Yes | No |
| Installments as low as 50% of the standard installment amount in the first initial year and the remaining repayments | No | No | No | Yes |
| Competitive Rate | Yes | Yes | Yes | Yes |
*Terms and conditions apply
** Refer to credit card Terms and Conditions for complete details
Required Documents
Find out the Required Documents for Auto Finance Application
- Auto Finance Application
- Identification
- Original Emirates ID and Emirates ID copy
- Valid Passport Copy with valid Resident Visa page
- Salaried Individual
- Latest 3 Months Bank Statement
- Self-Employed Individual
- Latest 3 Months Bank Statement
- Trade License copy
- Memorandum & Articles of Association (AOA)
- Power of Attorney (POA) with borrowing power
- Finance to Minor (Natural or Legal guardian to be the co-borrower) Attested copies of guarantor & co borrower documents as listed below:
- Co-borrower's valid Passport and visa page
- Income documents (If applicable)
- If Co-borrower is a company, then MOA & TL to be obtained. Passport copy of partners to be obtained.
Please Note:
- This Document Checklist contains all the essential documents required to process your request.
- If any of the required documents listed below are missing, the processing of your application could be delayed.
- Additional documents may be required at the Bank's sole discretion.
- Gather your documents in order of the checklist and check each item before visiting the branch.
- Identification
- Auto Finance Mortgage Release
- Mulkiya Copy (Front and Back)
- Emirates ID
Please Note:
- This Document Checklist contains all the essential documents required to process your request.
- If any of the required documents listed below are missing, the processing of your application could be delayed.
- Additional documents may be required at the Bank's sole discretion.
- Gather your documents in order of the checklist and check each item before visiting the branch.
What are people asking?
- Am I eligible for Auto Finance?
Our Auto Finance is open to new and existing customers of all nationalities
- What do I need to apply for an Auto Finance?
You need to provide us with the following documents:
Quotation from the dealer
- Identification
- Original Emirates ID and Emirates ID copy
- Valid Passport Copy with valid Resident Visa page
- Salaried Individuals
- Latest 3 Months Bank Statement
- Self-Employed Individuals
- Latest 3 Months Bank Statement
- Trade License copy
- Memorandum & Articles of Association (AOA)
- Power of Attorney (POA) with borrowing power
- Minors (Natural or Legal guardian to be the co-borrower)
Attested copies of guarantor & co borrower documents as listed below:
- Co-borrower's valid Passport and Resident visa page
- Income documents (If applicable)
- If Co-borrower is a company, then MOA & TL to be obtained. Passport copy of partners to be obtained.
Please Note:
- The above list contains all required documents, but additional documents may be requested at Emirates NBD’s sole discretion.
- To process your Auto Finance request, please bring all required documents at the time of application.
- Any missing documents may delay the processing of your application.
- Identification
- How do I get my Auto Finance Mortgage Release?
Please provide us with:
- Mulkiya Copy (Front and Back)
- Emirates ID
Talk to Us
To apply for Auto Finance, please contact us on 800 100 and we’ll be happy to assist you.
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