Requirements :
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QIB is proud to introduce a Shari'a-compliant Personal Finance program that helps you in getting what you need or aspire; whether you want to refurbish your home, get married, plan your vacation or any urgent need, our Personal Finance solutions can help you in achieving all your needs.In addition, QIB's payment program "Sadad" gives you the opportunity to buy out your liabilities from other banks, to organize your financial needs and simplify your payment obligations transparently in one fixed installment over an agreed period of time.<br><br><strong>QIB Personal Finance for Qatari Nationals Features:</strong>
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<li>Shari'a-compliant.</li>
<li>Competitive profit rate.</li>
<li>Three months grace period.</li>
<li>No administration charge.</li>
<li>No guarantor required.</li>
<li>Quick approval from the first visit.</li>
<li>Fixed monthly installments with fully-transparent service.</li>
<li>Takaful insurance covers the finance.</li>
<li>Ability to buy-out liabilities from other banks.</li>
<li>Direct sales team to serve you around the clock.</li>
<li>Minimum salary required - QR 5,000</li>
<li>Maximum finance amount - QR 400,000</li>
<li>Minimum finance amount - QR 15,000</li>
<li>Maximum Monthly Installment per month - 75% of the Basic Salary and social allowance</li>
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<strong>Documents Required:</strong>
<ul>
<li>Salary certificate.</li>
<li>Residency permit and passport for expats.</li>
<li>In case of buyout liability, the following are required:</li>
<li>Liability letter from the bank addressed to QIB</li>
<li>Six months of bank statements.</li>
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<br><br><strong>Representative example:</strong><br><br>If you borrow QAR 10,000 over 3 years at a Representative APR of 4.6% fixed and an annual interest rate of 4.6% you would pay:<br><br>Payment per month – QAR 297.50 | Total charge for credit – QAR 710 | Total amount you repay – QAR 10,710<br><br>Please note, the actual rate applied to your loan will depend on your circumstances.
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