Abu Dhabi Islamic Bank – Egypt (ADIB-Egypt) offers a range of Sharia-compliant Al Yusr finance programmes to meet the financing needs of different customer segments, from employees, business owners and university professors to doctors and pharmacists, as well as finance secured by savings products.

Al Yusr programmes offer up to EGP 15 million for finance secured by savings products, while finance for employees and business owners reaches EGP 3 million. Repayment periods run up to 120 months depending on the programme, with competitive profit rates under the Murabaha contract and the applicable terms and conditions.

Al Yusr finance for employees

  • Abu Dhabi Islamic Bank – Egypt offers the Al Yusr programme for employees to meet their financing needs, either by submitting proof of income or by transferring the salary or the installment, according to the programme's requirements.

Finance features

  • Finance of up to EGP 3 million.

  • Equal monthly installments over up to 120 months.

  • Takaful insurance throughout the finance period.

  • Competitive profit rates under the Murabaha contract.

  • Debt burden ratio of up to 50%.

Eligible customers

  • Egyptian employees and resident foreigners.

  • Customer age from 21 years up to 60 years at the end of the finance tenor.

Required documents

  • Finance application.

  • Valid national ID card for Egyptians.

  • Valid passport and residence permit for resident foreigners, plus a letter from the employer stating the contract end date.

  • A certified salary breakdown certificate, or a certified employer letter confirming transfer of the salary or the installment, issued no more than one month before the application date.

Al Yusr finance for business owners

  • The bank offers the Al Yusr programme for business owners, providing finance of up to EGP 3 million with a repayment period of up to 84 months.

Finance features

  • Finance of up to EGP 3 million.

  • Equal monthly installments over up to 84 months.

  • Takaful insurance throughout the finance period.

  • Competitive profit rates under the Murabaha contract and Islamic Sharia.

  • Debt burden ratio of up to 40%.

Eligible customers

  • Egyptians only.

  • Customer age from 21 years up to 60 years at the end of the finance tenor.

  • Required documents

  • Finance application.

  • Valid national ID card.

  • Recent commercial register for business owners.

  • Bank statement for the previous 6 months.

  • Professional practice licence for self-employed professionals.

Al Yusr finance for university professors

  • Abu Dhabi Islamic Bank – Egypt offers a dedicated programme for university professors, with finance of up to EGP 300,000 and a repayment period of up to 84 months.

Finance features

  • Finance of up to EGP 300,000.

  • Equal monthly installments over up to 84 months.

  • Competitive profit rates under the Murabaha contract.

  • Debt burden ratio of up to 35% for monthly-income customers and 30% for non-customer business owners.

Eligible customers

  • University professors.

  • Egyptians only.

  • Customer age from 21 years up to 65 years at the end of the finance tenor.

Required documents

  • Finance application.

  • Valid national ID card.

  • University ID card showing the customer's job title, or a status statement from the university showing the customer's academic rank.

Al Yusr finance secured by savings products

  • The bank offers Al Yusr finance secured by savings products, worth up to 95% of the savings product's value with a maximum of EGP 15 million, and a repayment period of up to 60 months.

Finance features

  • Finance of up to 95% of the savings product's value, up to a maximum of EGP 15 million.

  • Equal monthly installments over up to 60 months.

  • The savings product must be held with Abu Dhabi Islamic Bank – Egypt.

  • Competitive profit rates under the Murabaha contract.

Eligible customers

  • Egyptians and resident foreigners.

  • Minimum customer age of 21 years.

Required documents

  • Finance application.

  • Valid national ID card for Egyptians.

  • Valid passport and residence permit for resident foreigners.

Al Yusr finance for doctors and pharmacists

  • Abu Dhabi Islamic Bank – Egypt offers the Al Yusr programme for doctors and pharmacists, with finance of up to EGP 2.5 million for doctors and EGP 600,000 for pharmacists; the repayment period varies by category.

Finance features

  • Finance of up to EGP 2.5 million for doctors and EGP 600,000 for pharmacists.

  • Repayment period of up to 120 months for doctors and 84 months for pharmacists.

  • Takaful insurance throughout the finance tenor.

  • Competitive profit rates under the Murabaha contract and Islamic Sharia.

  • Debt burden ratio of up to 35% for employee customers and 30% for non-customer business owners.

Required documents

  • Finance application.

  • Copy of the national ID card.

  • Professional practice licence or syndicate membership card.

  • Pharmacy licence.

Eligible customers

  • Doctors and pharmacists, subject to the programme's conditions.

  • Customer age from 21 years up to 65 years at the end of the finance tenor.

General conditions for Al Yusr finance

  • All Al Yusr finance programmes at Abu Dhabi Islamic Bank – Egypt are subject to the applicable terms and conditions, and the bank reserves the right to reject any finance application without giving a reason or justification.