The Central Bank of the UAE has changed the rules for personal loans, and this update affects all residents across Dubai and the rest of the country.
Minimum Salary for Loan in Dubai
What Changed
Banks in the UAE are no longer required to follow the old minimum salary rule of Dh5,000 for personal loans. This rule existed for many years, and most banks used the same threshold.
Now the Central Bank has removed this fixed requirement.
What It Means for You
Each bank will decide its own salary limit based on internal policies. This makes it easier for more people to access loans and basic banking services.
Key points:
• No standard Dh5,000 minimum salary rule anymore
• Banks will set their own minimum salary for loans
• Low-income workers can now open bank accounts more easily
• All accounts will be linked to the Wage Protection System
• Banks can deduct instalments directly when salary is deposited
Why the Change Matters
The update benefits:
• Low-income residents
• Labourers
• Young employees
• People on entry-level salaries
It supports financial inclusion and lets more people access cash loans, personal loans, and banking products safely.
What Is the New Salary Limit
There is no single official limit.
The limit now depends on the bank.
Examples of typical minimums after the update:
• Some banks still use Dh3,000 as a baseline
• Some may offer micro-loans for Dh2,000 salaries
• WPS-linked workers may get small loans even below Dh2,000
The exact salary requirement will vary by bank, loan amount, and risk level.