Co-Applicant Programme

Co-Applicant Programme

Min. salary
AED 5,000
Max. Amount
AED 4,000,000
Effective rate
When you need extra capital, having extra help can make things easier. To increase your loan eligibility, apply with a salaried spouse or kin with our Co-Applicant Programme.
View Summary
Salary Transfer
Minimum Tenure
12 months
Maximum Tenure
48 month
Early settlement

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  • With our co-applicant program, income of a co-applicant is considered for calculating the loan eligibility by including all or certain percentage of the income of your spouse or kin.

Documents Required

    • Valid Passport Copy with valid Resident Visa page
    • UAE Nationals: Idbara page of UAE Nationals
    • Original Emirates ID and Emirates ID copy
    • Proof of Residency or Utility Bill
    • Undated Security Cheque
    • Credit Card Statements (Where applicable)
    • Latest 6 Months Bank statement
    • Trade License
    • MOA (Memorandum of Association)
    • POA (Power of Attorney)
    • Latest 3 Months Bank statement
    • Latest Salary Certificate / Salary Transfer Letter


    • Main applicant should be employed by a company that is listed with Emirates NBD
    • Co-applicant can be a spouse or a kin (son or daughter but not brothers)
    • Maximum of one co-applicant
    • Minimum monthly salary of primary applicant of at least AED 5,000
    • No company listing or Salary Transfer is required for co-applicant