Personal Finances Service Finance


We help you finance the services you need

Service Finance is a mode of Islamic financing using the Sharia’a contract of Service Ijara. Through the Service Finance product, Al Hilal Bank can help you finance services such as your travel expenses, medical treatment, education expenses and many more in a Sharia’a compliant way.

2.90% From
Profit rates (flat p.a.) for UAE Nationals
3.40% Fom
Profit rates (flat p.a.) for expatriate customers

Service Finance can help you avail a finance for:

  • Hajj and Umrah
  • Education and training
  • Home rent
  • Holiday package / air tickets
  • Any other legitimate goods

Shariah Contract

Ijara is a term of Islamic 'fiqh' which refers to "giving something on rent". The Ijara contract is applicable to 'usufructs' as well as services. Ijara of usufructs refers to the lease of physical assets such as land, building, machinery, equipment and so on. Service Ijara is used to employ services of a person for an applicable wage. Service Ijara may include all transactions where the services of a person (such as a doctor, lawyer, teacher or any other person who can render a valuable service) are hired by someone else.

Eligibility & Required Documentation

  • Minimum salary requirement of AED 5,000
  • A valid passport
  • Residence visa page (as applicable)
  • Latest 6 months bank statements
  • Quotation addressed to Al Hilal Bank
  • Any other additional documentation which may be required thereafter according to the Al Hilal Bank policies and procedures

Shariah Certificate

Click here to view Shariah Certificate

A superior banking experience awaits you.

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