‫اﺗﻔﺎﻗﻴﺔ ﻗﺮض ﺷﺨﺼﻲ‬

PERSONAL LOAN AGREEMENT

1. In consideration of the Bank agreeing to advance to the Borrower the ‫ ﻣﻘﺎﺑﻞ ﻣﻮاﻓﻘﺔ اﻟﺒﻨﻚ ﻋﻠﻰ ﺗﺴﻠﻴﻒ اﻟﻤﻘﺘﺮض اﻟﻤﺒﻠﻎ اﻟﻤﺘﻔﻖ ﻋﻠﻴﻪ ﻋﻠﻰ ﺳﺒﻴﻞ‬-١
agreed sum by way of loan (hereinafter called the "Loan") the
:‫ ﺑﻬﺬا ﻳﺘﻌﻬﺪ اﻟﻤﻘﺘﺮض ﺑﺄن ﻳﺪﻓﻊ ﻋﻨﺪ اﻟﻄﻠﺐ‬،("‫اﻟﻘﺮض )وﻳﺸﺎر اﻟﻴﻪ ﻻﺣﻘﺎ ب"اﻟﻘﺮض‬
"Borrower" hereby undertake to pay on demand: (a) arrangement fees
on amount of "Loan", (b) to pay interest on the "Loan" at the agreed ‫ )ب( ﻓﺎﺋﺪة ﻋﻠﻰ اﻟﻘﺮض ﻃﺒﻘً ﺎ ﻟﻠﻨﺴﺒﺔ اﻟﻤﺘﻔﻖ‬،‫)أ( رﺳﻢ اﻟﺘﺮﺗﻴﺐ ﻋﻠﻰ ﻗﻴﻤﺔ اﻟﻘﺮض‬
rate of interest per annum which shall not vary during the tenure of ‫ ﻃﺎﻟﻤﺎ ﻻ ﻳﻮﺟﺪ أي إﺧﻼل ﺑﺎ•ﺣﻜﺎم‬،‫ﻋﻠﻴﻬﺎ ﺳﻨﻮﻳﺎ واﻟﺘﻲ ﻻ ﺗﺘﻐﻴﺮ ﻃﻴﻠﺔ ﻣﺪة اﻟﻘﺮض‬
the "Loan", if there is no breach of agreed terms and conditions and (c)
to repay the "Loan"/ interest by monthly instalments (hereinafter ‫اﻟﻤﺘﻔﻖ ﻋﻠﻴﻬﺎ و)ج( ﺑﺄن ﻳﺴﺪد اﻟﻘﺮض واﻟﻔﺎﺋﺪة ﻋﻠﻰ أﻗﺴﺎط ﺷﻬﺮﻳﺔ )ﻳﺸﺎر إﻟﻴﻪ ﻻﺣﻘً ﺎ‬
called the Instalment). The interest payable on the "Loan" shall be ‫ وﺗﺤﺘﺴﺐ اﻟﻔﺎﺋﺪة اﻟﻤﺘﻮﺟﺒﺔ ا•داء ﻋﻠﻰ اﻟﻘﺮض ﻋﻠﻰ أﺳﺎس ﻳﻮﻣﻲ‬.(‫اﻟﻘﺴﻂ اﻟﺸﻬﺮي‬
computed on a daily basis on the principal amount outstanding. .‫ﻋﻠﻰ أﺻﻞ اﻟﻤﺒﻠﻎ ﻏﻴﺮ اﻟﻤﺪﻓﻮع‬
2. The "Borrower" hereby authorizes the "Bank" to apportion "Instalment"
between interest and principal in accordance with the "Bank's" ‫ ﺑﻬﺬا ﻳﻔﻮض اﻟﻤﻘﺘﺮض اﻟﺒﻨﻚ ﺑﺘﻮزﻳﻊ ا•ﻗﺴﺎط اﻟﺸﻬﺮﻳﺔ اﻟﻤﺘﺴﺎوﻳﺔ ﺑﻴﻦ اﻟﻔﺎﺋﺪة و‬-٢
procedures, details of which are available to "Borrower" on request ‫ﺟﺮاءات اﻟﻤﺘﺒﻌﺔ ﻟﺪى اﻟﺒﻨﻚ و اﻟﺘﻲ ﻳﻀﻌﻬﺎ اﻟﺒﻨﻚ ﺗﺤﺖ ﺗﺼﺮف‬µ‫أﺻﻞ اﻟﻤﺒﻠﻎ ﻃﺒﻘﺎ ﻟ‬
and to debit the "installment" to the "Borrower's" Current Account
‫اﻟﻤﻘﺘﺮض ﻋﻨﺪ ﻃﻠﺒﻪ و ﺑﺄن ﻳﺨﺼﻢ ا•ﻗﺴﺎط اﻟﺸﻬﺮﻳﺔ اﻟﻤﺘﺴﺎوﻳﺔ ﻣﻦ ﺣﺴﺎب‬
(hereinafter called the "Account;") until the "Loan" is fully repaid.
.·‫اﻟﻤﻘﺘﺮض اﻟﺠﺎري )وﻳﺸﺎر اﻟﻴﻪ ﻻﺣﻘﺎ ب"اﻟﺤﺴﺎب"( اﻟﻰ أن ﻳﺘﻢ ﺳﺪاد اﻟﻘﺮض ﺳﺪاد¸ ﺗﺎﻣ‬
3. The "Borrower" undertakes to ensure that the credit balance on such
"Account" will be sufficient to meet such repayment instalments and the ‫ ﻳﺘﻌﻬﺪ اﻟﻤﻘﺘﺮض ﺑﺄن ﻳﺘﺤﻘﻖ ﻣﻦ ﻛﻔﺎﻳﺔ اﻟﺮﺻﻴﺪ اﻟﻤﺘﻮﻓﺮ ﻓﻲ ذﻟﻚ اﻟﺤﺴﺎب ﻟﻠﻮﻓﺎء‬-٣
interest payable on the "Loan" as such sum falls due for payment. Debiting
the "Account" will not constitute any form of payment unless there are ‫ إن إﺟﺮاء اﻟﺨﺼﻢ ﻣﻦ‬.‫ﺑﺎ•ﻗﺴﺎط و اﻟﻔﺎﺋﺪة اﻟﻤﺘﻮﺟﺒﺔ ﻋﻠﻰ اﻟﻘﺮض ﻋﻨﺪ اﺳﺘﺤﻘﺎﻗﻬﺎ‬
sufficient available funds in the "Account" to meet such repayment. ‫اﻟﺤﺴﺎب ﻻ ﻳﻌﺘﺒﺮ ﺳﺪاد¸ ﺑﺄي ﺷﻜﻞ ﻣﻦ ا•ﺷﻜﺎل إﻻ إذا ﺗﻮﻓﺮت ﻣﺒﺎﻟﻎ ﻛﺎﻓﻴﺔ ﻓﻲ‬
4. If any "instalment" is not paid in full when it falls due, the "Borrower" .‫اﻟﺤﺴﺎب ﻟﻠﻮﻓﺎء ﺑﺘﻠﻚ اﻟﺪﻓﻌﺎت‬
agrees that all the outstanding "Loan" shall immediately become due
and payable by the "Borrower" without any further notification ،‫ إذا ﻟﻢ ﻳﺘﻢ ﺳﺪاد أﺣﺪ ا•ﻗﺴﺎط اﻟﺸﻬﺮﻳﺔ اﻟﻤﺘﺴﺎوﻳﺔ ﺳﺪاد¸ ﺗﺎﻣﺎ ﻋﻨﺪ اﺳﺘﺤﻘﺎﻗﻪ‬-٤
thereof and that the "Borrower" shall immediately pay to the "Bank" ‫ﻳﻮاﻓﻖ اﻟﻤﻘﺘﺮض ﺑﺄن ﻛﺎﻣﻞ ﻗﻴﻤﺔ اﻟﻘﺮض ﻏﻴﺮ اﻟﻤﺪﻓﻮﻋﺔ ﺗﺼﺒﺢ ﻣﺴﺘﺤﻘﺔ و واﺟﺒﺔ‬
the amount of such outstanding "Loan/Revolving Overdraft“ together
‫ا•داء ﻣﻦ اﻟﻤﻘﺘﺮض ﺑﺪون ﺣﺎﺟﺔ اﻟﻰ أي إﺷﻌﺎر ﺑﺬﻟﻚ اﻟﺸﺄن و ﺑﺄن اﻟﻤﻘﺘﺮض ﺳﻮف‬
with all fees, interest and any other sums then due to the "Bank".
‫ﺗﺴﻬﻴﻼت اﻟﺴﺤﺐ ﻋﻠﻰ اﻟﻤﻜﺸﻮف اﻟﻤﺘﺠﺪدة‬/‫ﻳﺪﻓﻊ اﻟﻰ اﻟﺒﻨﻚ ﻋﻠﻰ اﻟﻔﻮر ﻗﻴﻤﺔ اﻟﻘﺮض‬
5. The "Borrower" agrees that any overdue amount shall bear in addition
to the agreed rate of interest laid down in Clause l(b) a default rate of .‫ﻏﻴﺮ اﻟﻤﺪﻓﻮﻋﺔ ﻣﻊ ﺟﻤﻴﻊ اﻟﺮﺳﻮم و اﻟﻔﺎﺋﺪة و أﻳﺔ ﻣﺒﺎﻟﻎ أﺧﺮى ﺗﺴﺘﺤﻖ آﻧﺬاك ﻟﻠﺒﻨﻚ‬
interest per annum calculated on the total amount overdue for the
period commencing on default in payment and ending on receipt by ‫ﺿﺎﻓﺔ اﻟﻰ‬Ã‫ ﻳﻮاﻓﻖ اﻟﻤﻘﺘﺮض ﺑﺄن ﻛﻞ ﻣﺒﻠﻎ ﻻ ﻳﺘﻢ دﻓﻌﻪ ﻓﻲ ﺗﺎرﻳﺦ اﺳﺘﺤﻘﺎﻗﻪ ﻳﺘﺤﻤﻞ ﺑﺎ‬-٥
the "Bank" of full repayment (The Borrower agrees to pay the said ‫ب ﻓﺎﺋﺪة ﺗﺄﺧﻴﺮ ﺳﻨﻮﻳﺔ ﺗُﺤﺘﺴﺐ‬/١ ‫ﻣﻌﺪل اﻟﻔﺎﺋﺪة اﻟﻤﺘﻔﻖ ﻋﻠﻴﻪ و اﻟﻤﺒﻴﻦ ﻓﻲ اﻟﺒﻨﺪ‬
additional default rate of interest even if the overdue amount has ‫ﻋﻠﻰ إﺟﻤﺎﻟﻲ اﻟﻘﻴﻤﺔ اﻟﺘﻲ ﻓﺎت ﻣﻴﻌﺎد اﺳﺘﺤﻘﺎﻗﻬﺎ ﻋﻦ اﻟﻔﺘﺮة اﻟﺘﻲ ﺗﺒﺪأ ﻣﻦ ﺗﺎرﻳﺦ‬
resulted from insufficient credit balance in the "Account" because of
non-receipt of salary by the installment date or for any other reason ‫ و ﻳﻮاﻓﻖ اﻟﻤﻘﺘﺮض‬،‫اﻟﺘﺨﻠﻒ ﻋﻦ اﻟﺪﻓﻊ و ﺗﻨﺘﻬﻲ ﻋﻨﺪ اﺳﺘﻼم اﻟﺒﻨﻚ ﻛﺎﻣﻞ اﻟﺪﻓﻌﺔ‬
whatsoever.) Customer's discontinuation of salary in Account will be ‫ﻋﻠﻰ دﻓﻊ ﻫﺬه اﻟﻔﺎﺋﺪة اﻟﺘﺄﺧﻴﺮﻳﺔ ﺣﺘﻰ اذا ﻛﺎن اﻟﻤﺒﻠﻎ ﻏﻴﺮ اﻟﻤﺴﺪد ﻓﻲ ﻣﻮﻋﺪه ﻗﺪ‬
considered as default for the purpose of application of default clause.
‫ﻧﺘﺞ ﻋﻦ ﻋﺪم وﺟﻮد رﺻﻴﺪ ﻛﺎف ﻓﻲ اﻟﺤﺴﺎب ﺑﺴﺒﺐ ﻋﺪم وﺻﻮل اﻟﺮاﺗﺐ ﻓﻲ ﺗﺎرﻳﺦ‬
The Bank reserves the right to amend such charge at its discretion and
to notify the customers by publication of charges by such means as ‫ وﺳﻮف ﻳﻌﺘﺒﺮ ﺗﻮﻗﻒ وﺻﻮل راﺗﺐ‬.‫اﺳﺘﺤﻘﺎق ﻛﺎﻣﻞ اﻟﺪﻓﻌﺔ أو •ي ﺳﺒﺐ آﺧﺮ ﻣﻬﻤﺎ ﻛﺎن‬
the Bank may consider appropriate which shall constitute effective ‫ وﻳﺤﺘﻔﻆ اﻟﺒﻨﻚ ﺑﺤﻘﻪ ﻓﻲ‬.‫اﻟﻌﻤﻴﻞ إﻟﻰ ﺣﺴﺎﺑﻪ ﻋﻠﻰ أﻧﻪ ﺗﺄﺧﻴﺮ ﻟﻐﺮض ﻃﻠﺐ اﻟﺘﺄﺧﻴﺮ‬
notice to the "Borrower"
‫ﺗﻐﻴﻴﺮ ذﻟﻚ اﻟﻤﻌﺪل ﻃﺒﻘ· ﻟﺘﻘﺪﻳﺮه اﻟﺨﺎص وإﺧﻄﺎر اﻟﻌﻤﻼء وذﻟﻚ ﺑﻨﺸﺮ اﻟﺮﺳﻮم‬
6. The "Borrower" hereby authorizes the "Bank" to arrange insurance on the
‫ﺧﻄﺎر ﺑﻤﺜﺎﺑﺔ إﺷﻌﺎر ﻧﺎﻓﺬ اﻟﻰ‬Ã‫ و ُﻳﻌﺘﺒﺮ ذﻟﻚ ا‬.‫ﺑﺎﻟﻮﺳﺎﺋﻞ اﻟﺘﻲ ﻳﺮاﻫﺎ اﻟﺒﻨﻚ ﻣﻨﺎﺳﺒﺔ‬
"Borrower’s" behalf and debit the "Borrower's" account with all charges
relating thereto. The "Borrower" hereby assigns to the "Bank" all rights .‫اﻟﻤﻘﺘﺮض‬
and benefits including proceeds of such insurance and agrees that the
same will be used to settle the outstanding amount of "Borrower's" ‫ ﺑﻬﺬا ﻳﻔﻮض اﻟﻤﻘﺘﺮض اﻟﺒﻨﻚ ﺑﺈﺟﺮاء ﺗﺄﻣﻴﻦ ﺑﺎﻟﻨﻴﺎﺑﺔ ﻋﻦ اﻟﻤﻘﺘﺮض وﺧﺼﻢ ﺟﻤﻴﻊ‬-٦
"Loan" in the event of the Borrower's death that the "Borrower" also fully ‫ وﺑﻬﺬا ﻳﺘﻨﺎزل اﻟﻤﻘﺘﺮض اﻟﻰ اﻟﺒﻨﻚ‬.‫اﻟﺮﺳﻮم اﻟﻤﺘﻌﻠﻘﺔ ﺑﺬﻟﻚ ﻣﻦ اﻟﺤﺴﺎب اﻟﻤﻘﺘﺮض‬
agrees and understands that the "Borrower's" legal heirs will not be
‫ وﻳﻮاﻓﻖ‬،‫ﻋﻦ ﺟﻤﻴﻊ اﻟﺤﻘﻮق واﻟﻤﻨﺎﻓﻊ ﺑﻤﺎ ﻓﻲ ذﻟﻚ اﻟﻌﻮاﺋﺪ اﻟﻨﺎﺗﺠﺔ ﻋﻦ ذﻟﻚ اﻟﺘﺄﻣﻴﻦ‬
entitled to any life insurance benefits arising from this cover.
‫ﻋﻠﻰ اﺳﺘﺨﺪاﻣﻬﺎ ﻟﺘﺴﻮﻳﺔ اﻟﻤﺒﻠﻎ ﻏﻴﺮ اﻟﻤﺴﺪد ﻣﻦ ﻗﺮض اﻟﻤﻘﺘﺮض ﻓﻲ ﺣﺎل وﻓﺎة‬
7. In addition to any right of set-off to which the "Bank" may be entitled
by law, the "Borrower" agrees that the "Bank" may at any time and ‫ ﻛﻤﺎ ﻳﻮاﻓﻖ اﻟﻤﻘﺘﺮض وﻳﺪرك ﺗﻤﺎﻣ· ﺑﺄن ورﺛﺘﻪ اﻟﺸﺮﻋﻴﻴﻦ ﻻ ﻳﺴﺘﺤﻘﻮن‬.‫اﻟﻤﻘﺘﺮض‬
without notice combine and consolidate all or any of the accounts .‫اﻟﻤﻨﺎﻓﻊ اﻟﻤﺘﺮﺗﺒﺔ ﻋﻠﻰ اﻟﺘﺄﻣﻴﻦ ﻋﻠﻰ اﻟﺤﻴﺎة اﻟﺘﻲ ﺗﻨﺸﺄ ﻋﻦ اﻟﺘﺄﻣﻴﻦ اﻟﻤﺬﻛﻮر‬
held in the name of the "Borrower" and/or set off against the amounts
due on any overdrawn accounts and/or loans, all or any monies of ‫ ﻳﻮاﻓﻖ اﻟﻤﻘﺘﺮض ﺑﺄﻧﻪ ﻳﺠﻮز‬،‫ﺿﺎﻓﺔ اﻟﻰ ﺣﻖ اﻟﻤﻘﺎﺻﺔ اﻟﺬي ﻳﺨﻮﻟﻪ اﻟﻘﺎﻧﻮن اﻟﻰ ﺑﻨﻚ‬Ã‫ ﺑﺎ‬-٧
whatsoever currency which the "Bank" may hold to the "Borrower's" ‫ﻟﻠﺒﻨﻚ ﻓﻲ أي وﻗﺖ وﺑﺪون ﺣﺎﺟﺔ اﻟﻰ ﺗﻮﺟﻴﻪ إﺷﻌﺎر أن ﻳﻘﻮم ﺑﻀﻢ أو ﺗﻮﺣﻴﺪ ﺟﻤﻴﻊ أو‬
account at any time at any of its offices.
‫أو ﻗﺮوض و ﺟﻤﻴﻊ و أﻳﺔ ﻣﺒﺎﻟﻎ ﺑﺄﻳﺔ‬/‫أي ﻣﻦ اﻟﺤﺴﺎﺑﺎت اﻟﻤﻔﺘﻮﺣﺔ ﺑﺎﺳﻢ اﻟﻤﻘﺘﺮض و‬
8. The "Borrower" hereby authorises the "Bank" to sell or realise as it sees
fit any and all securities held by it in order to repay the aforesaid sums. .‫ﻋﻤﻠﺔ ﻛﺎﻧﺖ ﻗﺪ ﻳﺤﺘﻔﻆ ﺑﻬﺎ اﻟﺒﻨﻚ ﻟﺤﺴﺎب اﻟﻤﻘﺘﺮض ﻓﻲ أي وﻗﺖ ﻟﺪى أي ﻣﻦ ﻣﻜﺎﺗﺒﻪ‬
The "Borrower" shall remain responsible to the "Bank" for any deficiency.
‫ ﺑﺒﻴﻊ أو ﺗﺴﻴﻴﻞ ﻛﻞ أو أي ﻣﻦ‬،‫ ﺣﺴﺐ رأﻳﻪ‬،‫ ﺑﻬﺬا ﻳﻔﻮض اﻟﻤﻘﺘﺮض اﻟﺒﻨﻚ ﺑﺄن ﻳﻘﻮم‬-٨
9. The "Borrower" agrees that any item credited by the "Bank" to the
‫ وﻳﺒﻘﻰ اﻟﻤﻘﺘﺮض ﻣﺴﺆوﻻً ﺗﺠﺎه‬.‫ا•وراق اﻟﻤﺎﻟﻴﺔ اﻟﺘﻲ ﺑﺤﻮزﺗﻪ ﻟﺴﺪاد اﻟﻤﺒﺎﻟﻎ اﻟﻤﺬﻛﻮرة‬
"Borrower's" account(s) including items drawn payable at the "Bank" are
subject to clearance in the ordinary course. Until such items are cleared, .‫اﻟﺒﻨﻚ ﻋﻦ أي ﻧﻘﺺ‬
the "Bank" is entitled to exclude the value of items so credited for the
purpose of calculating the interest. ‫ﺣﺴﺎﺑﺎت اﻟﻤﻘﺘﺮض ﺑﻤﺎ ﻓﻲ‬/‫ ﻳﻮاﻓﻖ اﻟﻤﻘﺘﺮض ﻋﻠﻰ أن أي ﻣﺒﻠﻎ ﻳﻘﻴﺪه اﻟﺒﻨﻚ ﻟـ ﺣﺴﺎب‬-٩
.‫ ﺗﺨﻀﻊ ﻟﻠﻤﻘﺎﺻﺔ ﻓﻲ ﺳﻴﺎق ا•ﻋﻤﺎل اﻟﻌﺎدﻳﺔ‬،‫ذﻟﻚ اﻟﻤﺒﺎﻟﻎ اﻟﻤﺴﺤﻮﺑﺔ ﻋﻠﻰ اﻟﺒﻨﻚ‬
10. I hereby assign to United Arab Bank my monthly salaries, end of service
benefits and any other dues towards settlement of my liabilities. I ‫ اﺳﺘﺒﻌﺎد ﻗﻴﻤﺔ اﻟﻤﺒﺎﻟﻎ‬،‫ اﻟﻰ أن ﻳﺘﻢ إﺟﺮاء ﺗﻠﻚ اﻟﻤﻘﺎﺻﺔ‬،‫ اﻟﻰ ﻟﻠﺒﻨﻚ‬،‫وﻳﺤﻖ ﻟﻠﺒﻨﻚ‬
further confirm that these instructions are irrevocable and will remain .‫اﻟﻤﻘﻴﺪة ﻓﻲ اﻟﺤﺴﺎب ﻟﻐﺮض اﺣﺘﺴﺎب اﻟﻔﺎﺋﺪة‬

14 ١٤
 in force until full settlement of my liabilities and all sums due to the ‫ ﻣﻜﺎﻓﺂت ﻧﻬﺎﻳﺔ‬،‫اﺣﻮل إﻟﻰ اﻟﺒﻨﻚ اﻟﻌﺮﺑﻲ اﻟﻤﺘﺤﺪ رواﺗﺒﻲ اﻟﺸﻬﺮﻳﺔ‬
ّ ‫ أﻗﺮ وﺑﻤﻮﺟﺒﻪ ﺑﺄن‬-١٠
bank including interest and any other charges incurred by the bank in
‫ ﻛﻤﺎ أؤﻛﺪ ﺑﺄن ﻫﺬه‬.‫اﻟﺨﺪﻣﺔ وأﻳﺔ ﻣﺴﺘﺤﻘﺎت أﺧﺮى ﻣﻦ أﺟﻞ ﺗﺴﻮﻳﺔ اﻟﻤﻄﻠﻮﺑﺎت ﻣﻨﻲ‬
connection with granting or recovery of the loan.
‫اﻟﺘﻌﻠﻴﻤﺎت ﻏﻴﺮ ﻗﺎﺑﻠﺔ ﻟﻠﻨﻘﺾ وﺳﺘﺒﻘﻰ ﺳﺎرﻳﺔ اﻟﻤﻔﻌﻮل ﺣﺘﻰ ﺗﺘﻢ اﻟﺘﺴﻮﻳﺔ اﻟﻜﺎﻣﻠﺔ‬
11. In the event of salary received in advance for more than a month,
"Bank" reserves the right to set aside part of the funds available in ‫ﻟﺠﻤﻴﻊ اﻟﻤﺒﺎﻟﻎ اﻟﻤﺴﺘﺤﻘﺔ ﻟﻠﺒﻨﻚ ﺑﻤﺎ ﻓﻴﻬﺎ اﻟﻔﻮاﺋﺪ وأﻳﺔ رﺳﻮم أﺧﺮى ﻳﺘﻜﺒﺪﻫﺎ اﻟﺒﻨﻚ‬
the account to meet the future lnstalment. .‫ﺑﺨﺼﻮص ﻣﻨﺢ أو اﺳﺘﺮداد اﻟﻘﺮض‬
12. Any claim, summons, advice or notice relating to the "Loan" shall be
deemed to have been duly given to the "Borrower" if given in writing ‫ ﻳﺤﺘﻔﻆ اﻟﺒﻨﻚ ﺑﺤﻘﻪ ﻓﻲ اﻗﺘﻄﺎع‬،‫ إذا ﺗﻢ اﺳﺘﻼم اﻟﺮاﺗﺐ ﻣﻘﺪﻣ· •ﻛﺜﺮ ﻣﻦ ﺷﻬﺮ واﺣﺪ‬-١١
by recorded delivery / registered post to the address of the ‫ﺟﺰء ﻣﻦ ا•ﻣﻮال اﻟﻤﺘﻮﻓﺮة ﻓﻲ اﻟﺤﺴﺎب ﻟﻠﻮﻓﺎء ﺑﺎ•ﻗﺴﺎط اﻟﺸﻬﺮﻳﺔ اﻟﻤﺘﺴﺎوﻳﺔ‬
"Borrower" last known to the "Bank". .‫اﻟﻤﺴﺘﻘﺒﻠﻴﺔ‬
13. The "Borrower" agrees to pay prepayment fee on the outstanding
"Loan" amount if he/she partially or fully settles the "Loan" earlier ً‫ ُﻳﻌﺘﺒﺮ ﺑﺄﻧﻪ ُﺑﻠﻎ أﺻﻮﻻ‬،‫ ﻛﻞ ﻣﻄﺎﻟﺒﺔ أو اﺳﺘﺪﻋﺎء أو ﻣﺸﻮرة أو إﺷﻌﺎر ﻳﺘﻌﻠﻖ ﺑﺎﻟﻘﺮض‬-١٢
than the repayment period agreed at the time of granting the "Loan", ‫اﻟﻰ اﻟﻤﻘﺘﺮض إذا ﺗﻢ ﺗﻮﺟﻴﻬﻪ ﺑﻜﺘﺎب ﺧﻄﻲ ﺑﺎﻟﺒﺮﻳﺪ اﻟﻤﺴﺠﻞ ﻣﻌﻨﻮﻧ· اﻟﻰ ﻋﻨﻮان‬
wherever applicable at the prevailing rates determined by the "Bank'.
.‫اﻟﻤﻘﺘﺮض ﻣﻌﻨﻮﻧ· اﻟﻰ ﻋﻨﻮان اﻟﻤﻘﺘﺮض ا•ﺧﻴﺮ اﻟﻤﻌﺮوف ﻟﺪى اﻟﺒﻨﻚ‬
Details of current charges will be available on request at any of the
"Bank's" branches in the UAE. ‫ ﻳﻮاﻓﻖ اﻟﻤﻘﺘﺮض ﺑﺄن ﻳﺪﻓﻊ رﺳﻢ اﻟﺴﺪاد اﻟﻤﺴﺒﻖ ﻋﻠﻰ ﻗﻴﻤﺔ اﻟﻘﺮض ﻏﻴﺮ اﻟﻤﺪﻓﻮﻋﺔ‬-١٣
14. The "Borrower" undertakes to check all notifications received from ‫إذا ﻗﺎم ﺑﺴﺪاد ﻛﺎﻣﻞ اﻟﻘﺮض أو ﺟﺰءا ﻣﻨﻪ ﻗﺒﻞ ﻣﻮﻋﺪ اﻟﺴﺪاد اﻟﺬي ﺗﻢ اﻻﺗﻔﺎق ﻋﻠﻴﻪ‬
the "Bank" of amounts owing to the "Bank". If within one month of
the date of despatch of a notification of balance to the “Borrower's" ‫ إن‬.‫ وذﻟﻚ ﺑﺎﻟﻤﻌﺪﻻت اﻟﺴﺎﺋﺪة اﻟﺘﻲ ﻳﺤﺪدﻫﺎ اﻟﺒﻨﻚ ﺣﻴﺜﻤﺎ أﻣﻜﻦ‬،‫وﻗﺖ ﻣﻨﺢ اﻟﻘﺮض‬
address as it appears in the records of the "Bank" no objection has ‫ﻣﺎرات‬Ã‫ﺗﻔﺎﺻﻴﻞ اﻟﺮﺳﻮم اﻟﺤﺎﻟﻴﺔ ﻣﺘﻮﻓﺮة ﻋﻨﺪ اﻟﻄﻠﺐ ﻟﺪى ﻓﺮوع اﻟﺒﻨﻚ ﻓﻲ دوﻟﺔ ا‬
been received from the Borrower, then the balance shown therein .‫اﻟﻌﺮﺑﻴﺔ اﻟﻤﺘﺤﺪة‬
will be considered, correct and the fact that no communication has
been received from the ‘Borrower will, subject to manifest error on ‫ﺷﻌﺎرات اﻟﺘﻲ ﻳﺴﺘﻠﻤﻬﺎ ﻣﻦ اﻟﺒﻨﻚ واﻟﺘﻲ ﺗﺒﻴﻦ اﻟﻤﺒﺎﻟﻎ‬Ã‫ ﻳﺘﻌﻬﺪ اﻟﻤﻘﺘﺮض ﺑﻔﺤﺺ ﺟﻤﻴﻊ ا‬-١٤
the part of the "Bank', be confirmation of the correctness of the
"Account' and the "Borrower' may not thereafter raise any objection ‫ ﻓﺈذا ﻟﻢ ﻳﺴﺘﻠﻢ اﻟﺒﻨﻚ أي اﻋﺘﺮاض ﻣﻦ اﻟﻤﻘﺘﺮض ﺧﻼل ﺷﻬﺮ واﺣﺪ ﻣﻦ‬.‫اﻟﻤﺴﺘﺤﻘﺔ ﻟﻠﺒﻨﻚ‬
in respect of any such notification of balance. The “Borrower” ،‫ﺷﻌﺎر اﻟﺬي ﻳﺒﻴﻦ اﻟﺮﺻﻴﺪ اﻟﻰ ﻋﻨﻮان اﻟﻤﻘﺘﺮض اﻟﻤﺒﻴﻦ ﻓﻲ ﺳﺠﻼت اﻟﺒﻨﻚ‬Ã‫ﺗﺎرﻳﺦ إرﺳﺎل ا‬
acknowledges that should the "Borrower" not receive a notification ‫ وﻳﻌﺘﺒﺮ ﻋﺪم اﺳﺘﻼم أﻳﺔ ﻣﺮاﺳﻠﺔ‬،·‫ﺷﻌﺎر ﺻﺤﻴﺤ‬Ã‫ﻋﻨﺪﻫﺎ ﻳﻌﺘﺒﺮ اﻟﺮﺻﻴﺪ اﻟﻤﺒﻴﻦ ﻓﻲ ذﻟﻚ ا‬
he will demand a statement of balance from the “Bank”. It will be the
entire responsibility of the "Borrower" to demand a statement of ‫ وﻻ ﻳﺠﻮز‬،‫ ﺗﺄﻛﻴﺪا ﻟﺼﺤﺔ اﻟﺤﺴﺎب‬،‫ ﻣﻊ ﻣﺮاﻋﺎة أي ﺧﻄﺄ واﺿﺢ ﻣﻦ ﺟﺎﻧﺐ اﻟﺒﻨﻚ‬،‫ﻣﻦ اﻟﻤﻘﺘﺮض‬
balance from the "Bank". ‫ وﻳﻘﺮ اﻟﻤﻘﺘﺮض ﺑﺄﻧﻪ إذا ﻟﻢ ﻳﺴﺘﻠﻢ‬.‫ﺷﻌﺎر‬Ã‫ﻟﻠﻤﻘﺘﺮض ﺑﻌﺪ ذﻟﻚ إﺛﺎرة أي اﻋﺘﺮاض ﺑﺸﺄن ذﻟﻚ ا‬
15. The "Borrower" hereby acknowledges and concedes that the "Banks" ·‫ وﻳﻜﻮن اﻟﻤﻘﺘﺮض ﻣﺴﺆوﻻً ﻛﻠﻴ‬.‫ ﻓﺈﻧﻪ ﺳﻴﻘﻮم ﺑﻄﻠﺐ ﻛﺸﻒ ﺑﺎﻟﺮﺻﻴﺪ ﻣﻦ اﻟﺒﻨﻚ‬،‫أي إﺷﻌﺎر‬
books and accounts shall be the sole and conclusive evidence of the
.‫ﻋﻦ أي ﻳﻄﻠﺐ ﻣﻦ اﻟﺒﻨﻚ ﻛﺸﻔﺎ ﻳﺒﻴﻦ اﻟﺮﺻﻴﺪ اﻟﻤﺴﺘﺤﻖ‬
sum due or which the "Borrower is bound to pay in respect of the "Loan"
and the 'Borrower" also specifically waives any right to challenge the ‫ ﺑﻬﺬا ﻳﻘﺮ اﻟﻤﻘﺘﺮض وﻳﻮاﻓﻖ ﺑﺄن ﺗﻜﻮن دﻓﺎﺗﺮ وﺳﺠﻼت اﻟﺒﻨﻚ وﺣﺪﻫﺎ ﺑﻴﻨﺔ ﻗﺎﻃﻌﺔ ﻟﻠﻤﺒﻠﻎ‬-١٥
correctness of these records except as set out in Clause 13 above.
‫اﻟﻤﺴﺘﺤﻖ او اﻟﻤﺒﻠﻎ اﻟﻤﻄﻠﻮب دﻓﻌﻪ ﻣﻦ اﻟﻘﺮض وﻳﺘﻨﺎزل اﻟﻤﻘﺘﺮض ﻋﻠﻰ وﺟﻪ اﻟﺘﺤﺪﻳﺪ ﻋﻦ‬
I6. The "Borrower" hereby undertakes to indemnify the "Bank" against all
costs and expenses including legal fees which the "Bank" may incur .‫ أﻋﻼه‬١٣ ‫أي ﺣﻖ ﻓﻲ اﻟﻄﻌﻦ ﺑﺼﺤﺔ ﻫﺬه اﻟﺴﺠﻼت ﺑﺎﺳﺘﺜﻨﺎء ﻣﺎ ورد ﻓﻲ اﻟﺒﻨﺪ‬
as a result of entering into this Personal Loan Agreement.
‫ ﺑﻬﺬا ﻳﺘﻌﻬﺪ اﻟﻤﻘﺘﺮض ﺑﺘﻌﻮﻳﺾ اﻟﺒﻨﻚ ﻋﻦ ﺟﻤﻴﻊ اﻟﺘﻜﺎﻟﻴﻒ واﻟﻨﻔﻘﺎت ﺑﻤﺎ ﻓﻲ ذﻟﻚ‬-١٦
17. If any change in law or circumstances occurs which the "Bank" at its .‫اﻟﺮﺳﻮم اﻟﻘﺎﻧﻮﻧﻴﺔ اﻟﺘﻲ ﻗﺪ ﻳﺘﻜﺒﺪﻫﺎ اﻟﺒﻨﻚ ﻧﺘﻴﺠﺔ إﺑﺮام اﺗﻔﺎﻗﻴﺔ اﻟﻘﺮض اﻟﺸﺨﺼﻲ‬
sole discretion considers affects this Personal Loan Agreement and if
the "Bank" and the "Borrower" cannot agree on changes to this ‫ ﻃﺒﻘﺎ ﻟﺘﻘﺪﻳﺮه‬- ‫ إذا ﻃﺮأ أي ﺗﻐﻴﻴﺮ ﻋﻠﻰ اﻟﻘﻮاﻧﻴﻦ أو إذا ﺣﺪﺛﺖ ﻇﺮوف ﻳﻌﺘﺒﺮﻫﺎ اﻟﺒﻨﻚ‬-١٧
Personal Loan Agreement to cover such change in law or
‫ ﺑﺄﻧﻬﺎ ﺗﺆﺛﺮ ﻋﻠﻰ ﻫﺬه اﻻﺗﻔﺎﻗﻴﺔ و ﺗﻌﺬر ﻋﻠﻰ اﻟﺒﻨﻚ و اﻟﻤﻘﺘﺮض اﻻﺗﻔﺎق ﻋﻠﻰ‬-‫اﻟﻤﻄﻠﻖ‬
circumstances the "Borrower" shall on demand repay the "Loan" and
all other amounts then due to the "Bank" hereunder. ‫ﺗﻐﻴﻴﺮات اﻟﺘﻲ ﻳﺘﻌﻴﻦ إدﺧﺎﻟﻬﺎ ﻋﻠﻰ ﻫﺬه اﻻﺗﻔﺎﻗﻴﺔ ﻟﻠﺘﻌﺎﻣﻞ ﻣﻊ ذﻟﻚ اﻟﺘﻐﻴﻴﺮ ﻓﻲ اﻟﻘﻮاﻧﻴﻦ‬
18. Payments by the "Borrower" shall be made to the "Bank" without any ‫أو اﻟﻈﺮوف ﻳﻠﺘﺰم ﻟﻤﻘﺘﺮض ﺑﺄن ﻳﺴﺪد اﻟﻰ اﻟﺒﻨﻚ ﻋﻨﺪ اﻟﻄﻠﺐ ﻗﻴﻤﺔ اﻟﻘﺮض و ﺟﻤﻴﻊ اﻟﻤﺒﺎﻟﻎ‬
set-off, counter-claim, withholding or condition of any kind except .‫ا•ﺧﺮى اﻟﻤﺴﺘﺤﻘﺔ ﻟﻠﺒﻨﻚ ﺑﻤﻘﺘﻀﻰ ﻫﺬه اﻻﺗﻔﺎﻗﻴﺔ‬
that if the "Borrower" is compelled by law to make such withholding,
the sum payable by the "Borrower" shall be increased so that the ‫ ﻳﻘﻮم اﻟﻤﻘﺘﺮض ﺑﺄداء اﻟﺪﻓﻌﺎت اﻟﻰ اﻟﺒﻨﻚ ﺑﺪون أﻳﺔ ﻣﻘﺎﺻﺔ أو ﻣﻄﺎﻟﺒﺔ ﻣﻘﺎﺑﻠﺔ أو اﻗﺘﻄﺎع أو‬-١٨
amount actually received by the "Bank" is the amount it would have
‫ ﻋﻨﺪﻫﺎ‬،‫ﺷﺮط أﻳﺎ ﻛﺎن ﻧﻮﻋﻪ ﺑﺎﺳﺘﺜﻨﺎء أﻧﻪ إذا أوﺟﺐ اﻟﻘﺎﻧﻮن ﻋﻠﻰ اﻟﻤﻘﺘﺮض إﺟﺮاء أي اﻗﺘﻄﺎع‬
received if there has been no withholding.
‫ﺗﺘﻢ زﻳﺎدة اﻟﻤﺒﻠﻎ اﻟﻤﺘﻮﺟﺐ أداؤه ﻣﻦ اﻟﻤﻘﺘﺮض ﺑﺤﻴﺚ ﻳﺼﺒﺢ اﻟﻤﺒﻠﻎ اﻟﺬي ﻳﺴﺘﻠﻤﻪ اﻟﺒﻨﻚ‬
19. No failure to exercise, nor any delay in exercising, on the part of the
"Bank" of any right or remedy hereunder shall operate as a waiver thereof. .‫ﻓﻌﻠﻴ· ﻣﺴﺎوﻳ· ﻟﻠﻤﺒﻠﻎ اﻟﺬي ﻛﺎن ﺳﻴﺴﺘﻠﻤﻪ ﻟﻮ ﻟﻢ ﻳﺘﻢ ذﻟﻚ اﻻﻗﺘﻄﺎع‬
The rights and remedies of the 'Bank" herein provided are cumulative
and not exclusive of any other rights or remedies it may have. ‫ إن ﻋﺪم ﻗﻴﺎم اﻟﺒﻨﻚ ﺑﻤﻤﺎرﺳﺔ أو ﺗﺄﺧﺮه ﻓﻲ ﻣﻤﺎرﺳﺔ أي ﺣﻖ أو ﺗﺪﺑﻴﺮ ﺑﻤﻮﺟﺐ ﻫﺬه اﻻﺗﻔﺎﻗﻴﺔ‬-١٩

20. The "Borrower" resides in United Arab Emirates and in the case of any ‫ وﺗﻌﺘﺒﺮ ﺣﻘﻮق وﺗﺪاﺑﻴﺮ اﻟﺒﻨﻚ اﻟﻤﻨﺼﻮص ﻋﻨﻬﺎ ﻓﻲ‬.‫ﻻ ﻳﻌﺘﺒﺮ ﺗﻨﺎزﻻ ﻋﻦ ذﻟﻚ اﻟﺤﻖ أو اﻟﺘﺪﺑﻴﺮ‬
dispute regarding this Personal Loan Agreement the “Borrower” .‫ﻫﺬه اﻻﺗﻔﺎﻗﻴﺔ ﺗﺮاﻛﻤﻴﺔ وﻻ ﺗﺴﺘﺜﻨﻲ أي ﺣﻖ أو ﺗﺪﺑﻴﺮ آﺧﺮ ﻗﺪ ﻳﻜﻮن ﻣﺘﺎﺣ· ﻟﻠﺒﻨﻚ‬
agrees that this Personal Loan Agreement shall be subject to and
governed by the laws and regulations in force in the United Arab ‫ وﻓﻲ ﺣﺎل ﻧﺸﻮء أي ﻧﺰاع ﺑﺸﺄن ﻫﺬه‬،‫ إن اﻟﻤﻘﺘﺮض ﻳﻘﻴﻢ ﻓﻲ دوﻟﺔ اﻻﻣﺎرات اﻟﻌﺮﺑﻴﺔ اﻟﻤﺘﺤﺪة‬-٢٠
Emirates. Should the "Borrower" leave the United Arab Emirates. the ‫ ﻳﻮاﻓﻖ اﻟﻤﻘﺘﺮض ﻋﻠﻰ أن ﻫﺬه اﻻﺗﻔﺎﻗﻴﺔ ﺗﺨﻀﻊ ﻟﻠﻘﻮاﻧﻴﻦ واﻟﻠﻮاﺋﺢ اﻟﻤﻌﻤﻮل ﺑﻬﺎ‬،‫اﻻﺗﻔﺎﻗﻴﺔ‬
"Borrower" undertakes to inform the "Bank" at least one month in advance
‫ ﻓﺈﻧﻪ ﻳﺘﻌﻬﺪ‬،‫ ﻓﺈذا ﻏﺎدر اﻟﻤﻘﺘﺮض دوﻟﺔ اﻻﻣﺎرات اﻟﻌﺮﺑﻴﺔ اﻟﻤﺘﺤﺪة‬.‫ﻓﻲ دوﻟﺔ اﻻﻣﺎرات اﻟﻌﺮﺑﻴﺔ اﻟﻤﺘﺤﺪة‬
and to repay the balance ot‘ the "Loan" outstanding before so leaving.
.‫ﺑﺈﺧﻄﺎر اﻟﺒﻨﻚ ﻗﺒﻞ ﺷﻬﺮ واﺣﺪ ﻋﻠﻰ ا•ﻗﻞ وﺑﺴﺪاد رﺻﻴﺪ اﻟﻘﺮض ﻏﻴﺮ اﻟﻤﺪﻓﻮع ﻗﺒﻞ ﻣﻐﺎدرﺗﻪ‬
21. Security Cheque is already executed and signed by the "Borrower".
The "Borrower" authorises the "Bank' to insert the date on the said ‫ وﻓﻮض اﻟﻤﻘﺘﺮض اﻟﺒﻨﻚ ﺑﻮﺿﻊ اﻟﺘﺎرﻳﺦ‬.‫ اﻟﺘﺄﻛﺪ ﻣﻦ ﺷﻴﻚ اﻟﻀﻤﺎن وﻣﻦ ﺗﻮﻗﻴﻊ اﻟﻤﻘﺘﺮض‬-٢١
cheque and present for payment upon default by the Borrower in
paying of any instalment. In such circumstances the whole amount ‫ ﻓﻲ‬.‫ﻋﻠﻰ اﻟﺸﻴﻚ اﻟﻤﺬﻛﻮر وﺗﻘﺪﻳﻤﻪ ﻟﻠﺪﻓﻊ ﻋﻨﺪ ﺗﻘﺼﻴﺮ اﻟﻤﻘﺘﺮض ﻓﻲ ﺳﺪاد أي ﻗﺴﻂ‬
outstanding including any default interest and other charges will ‫ ﻓﺎﺋﺪة اﻟﺘﺄﺧﻴﺮ واﻟﺮﺳﻮم ا•ﺧﺮى‬.‫ﻫﺬه اﻟﺤﺎﻟﺔ ﻳﺼﺒﺢ ﻛﺎﻣﻞ اﻟﻤﺒﻠﻎ ﻏﻴﺮ اﻟﻤﺴﺪد ﺑﻤﺎ ﻓﻲ ذﻟﻚ‬
become due and payable. As and when required, the "Bank may
‫ ﻳﻤﻜﻦ ﻟﻠﺒﻨﻚ اﻟﻄﻠﺐ ﻣﻦ اﻟﻤﻘﺘﺮض أن ﻳﻮاﻓﻖ ﻋﻠﻰ‬،‫ ﻋﻨﺪ اﻟﺤﺎﺟﺔ‬.‫ﻣﺴﺘﺤﻘﺔ وﻣﺘﻮﺟﺒﺔ اﻟﺪﻓﻊ‬
request the "Borrower" to replace the Undated Cheque and the
"Borrower" agrees to provide the same. (The "Borrower" understands ‫ﻋﻤﺎل ﺑﺈﺗﻼف‬à‫ وﻳﺪرك اﻟﻤﻘﺘﺮض ﺑﺄن اﻟﺒﻨﻚ ﺳﻴﻘﻮم ﻓﻲ اﻟﺴﻴﺎق اﻟﻌﺎدي ﻟ‬.‫ﺗﺰوﻳﺪ اﻟﺒﻨﻚ ﺑﺬﻟﻚ‬
that this cheque would in the ordinary course be destroyed by the ‫ﻫﺬا اﻟﺸﻴﻚ ﻋﻨﺪ اﻟﺴﺪاد اﻟﻜﺎﻣﻞ ﻟﻠﻘﺮض ﻣﺎ ﻟﻢ ﻳﻄﻠﺐ اﻟﻤﻘﺘﺮض ﺗﺤﺪﻳﺪ إﻋﺎدﺗﻪ اﻟﻴﻪ ﻗﺒﻞ‬
Bank" on satisfactory settlement of the "Loan" unless specifically
requested by the "Borrower" 7 days before the settlement of the ‫ ﻋﻨﺪ اﻟﺤﺎﺟﺔ ﻳﻤﻜﻦ ﻟﻠﺒﻨﻚ اﻟﻄﻠﺐ ﻣﻦ اﻟﻤﻘﺘﺮض ﺑﺄن ﻳﻘﻮم‬.‫ﺳﺒﻌﺔ أﻳﺎم ﻣﻦ ﺳﺪاد اﻟﻘﺮض‬
"Loan" to be returned to the Borrower) .‫ وﻋﻠﻰ اﻟﻤﻘﺘﺮض أن ﻳﻮاﻓﻖ ﻋﻠﻰ ﺗﺰوﻳﺪ اﻟﺒﻨﻚ ﺑﺬﻟﻚ‬،‫ﺑﺈﺳﺘﺒﺪال اﻟﺸﻴﻚ اﻟﻐﻴﺮ ﻣﺆرخ‬
22. The "Borrower" hereby acknowledges that he has read this, Personal ‫ ﺑﻬﺬا ﻳﻘﺮ اﻟﻤﻘﺘﺮض ﺑﺄﻧﻪ ﻗﺮأ ﻫﺬه اﻻﺗﻔﺎﻗﻴﺔ و ﺑﺄﻧﻪ ﻳﺪرك وﻳﻮاﻓﻖ ﻋﻠﻰ ﻣﺎ ﻳﺘﺮﺗﺐ ﻋﻠﻴﻬﺎ ﻣﻦ‬-٢٢
Loan Agreement and that he understands and agrees to the obligations,
liabilities and rights hereunder whether set out in English / Arabic. .‫ﻧﺠﻠﻴﺰﻳﺔ‬Ã‫اﻟﺘﺰاﻣﺎت و ﻣﺴﺆوﻟﻴﺎت و ﺣﻘﻮق ﺳﻮاء ﻛﺎﻧﺖ ﺑﺎﻟﻠﻐﺔ اﻟﻌﺮﺑﻴﺔ أو ا‬

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