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Finances

Sharjah Islamic Bank is dedicated to providing all types of customers with premium banking products and services. We are committed to fair and honest banking, operating in a transparent and ethical manner throughout all of our operations. All of our products and services are shaped in accordance with Sharia’a principles, morals and ethics.

Car Finance

Riding your dream car is a fantasy? SIB offers our Car finance with no hidden cost or unexpected fees, based on Murabaha concept. The rapid service, processes & approvals makes our finance easier to acquire.

Call us on 06-5999999, 24 hours serving you.

Features & Benefits:

Available for new and used cars
Long and flexible repayment periods
Islamic insurance financing available
Competitive rates

Required Documents

Original passport & UAE National ID
Valid UAE residence visa for expatriates
Employment and/or Labor Card (father / husband sponsored clients)
Valid Residence Visa (Expatriates)
Salary Certificate
Security Cheque (with car amount) & Valid Driving License
Terms & conditions apply
Services & Charges

Good Finance

The Personal Finance from SIB allows you to manage your disbursements & finance the purchase of goods & services with serenity, Sharia’a compliant. Based upon Islamic financing principles Murabaha (goods), SIB secures your Personal Finance for you.

Murabaha (Goods):

Household furniture
Electronics & domestic appliances
Building material
Boats
Motorcycles
Tools & machinery

Call us on 06-5999999, 24 hours serving you.

Features & Benefits:

Flexible payment periods & up to 3 months grace period on first installment
Convenient monthly installments
Competitive rates

Required Documents

Original passport & UAE National ID
Valid UAE residence visa for expatriates
Valid Residence Visa (Expatriates)
three months bank statement
Salary Transfer Letter
Letter from Service Provider
Terms & conditions apply
Services & Charges

Shares Finance

Have you tried to invade the shares exchange & couldn't make it? SIB Shares Murabaha meets your wishes. Shares Murabaha will pave you to invest in the list of companies in Abu Dhabi & Dubai markets & gives you flexibility to sell your shares at any point.

Call us on 06-5999999, 24 hours serving you.

Features & Benefits:

Rapid approval
High finance amount
Long payment tenures
Instant purchase
No shares pledge, you can sell anytime
Simple & easy procedures
Fully Sharia’a Compliant

Required Documents

Original passport & UAE National ID
Valid UAE residence visa for expatriates
Three months bank statement & security cheque
Terms & conditions apply
Services & Charges

Home Finance

Having your own home is your concern? SIB Tamallak (Home Finance); based on Islamic finance of Ijarah concept, is your choice. We purchase and possess the property and lease it to you. Then, we will transfer the ownership of the property for a nominal price as a gift for you.

Call us on 06-5999999, 24 hours serving you.

Features & Benefits:

Long and flexible repayment periods
Fixed rent that gives you stability against rates fluctuation
Convenient monthly installments
Available for ready and under construction properties

Required Documents

Original passport & UAE National ID
Valid UAE residence visa for expatriates
Six months bank statement
Salary Transfer Letter Valuation Certificate
The property documents (Site Plan, Map & Title of Deed, etc...)
Terms & conditions apply
Services & Charges

Land "Hoshi" Finance

Do you wish of getting your land to build your own home or your own shopping center? Or even your own shop? SIB encourages youngsters and business men to buy their own lands in Al Hoshi Project area; in Al Maliha Area near Ring Road & Emirates Road.

Call us on 06-5999999, 24 hours serving you.

Features & Benefits:

Strategic area
A great diversity of land classifications as residential, commercial or shopping center
Infrastructural services such as mosques, parks, parking lots and others
Diversity of land sizes (Commercial Areas 6,000-12,000 square feet) (Residential Areas 9,700-19,400 square feet)
High finance amount
Long & flexible payment periods
Competitive rates
No salary transfer letter available
Low down payment

Required Documents

Original passport & UAE National ID
Valid UAE residence visa for expatriates
Three months bank statement
Salary Certificate and Security Cheque
Terms & conditions apply
Services & Charges

Medical Treatment Finance

Do you think you don't deserve a brighter smile? SIB makes it simple with our Medical Treatment Finance, at the University Dental Hospital in Sharjah, with easy installments & the least profit rates starting 1.49% (2.73% reducing).

 
About University Dental Hospital in Sharjah (UDHS)

The University Dental Hospital in Sharjah is the first & largest dental hospital in UAE & the region. The hospital is linked to the Faculty of Dentistry, which was found in 2004 at the compound of the medical colleges & health sciences. It was built according to the latest international standards were the 114 dental clinics are equipped with the latest modern medical technology that is unrivaled by any other dentistry hospital in the world.

 
The UDHS provides the following services:

Pediatric Dentistry
Preventive Dentistry
Orthodontics
Restorative Treatment
Root Canal & Jaw Treatment
Oral Surgery
Oral Machine
Radiology, is equipped with the latest imaging technology
The Cone Beam CT Scan to determine the exact causes of dental & bones diseases

 
For a brighter smile, you need:

Quotation from University Dental Hospital in Sharjah
Original passport and/or UAE National ID
Salary Certificate

 
University Hospital of Sharjah

SIB has shown concern about your health and illustrates it importance. We have launched the matchless financial program with University Hospital in Sharjah. Finance all types of medical treatments and pay easy installments with minimum profit rates starting 2.99% (5.47% reducing).

Call us on 06-5999999, 24 hours serving you.

About University Hospital of Sharjah

University Hospital of Sharjah opened its doors at June 2011. The University Hospital of Sharjah has 8 'Centers of Excellence' coalesce specialties surrounding disease, organ, body system, gender or age under one proof:

Centre of Obstetrics, Gynecology, and Women Health
Centre of Diabetes and Endocrine Services
Centre of Digestive Diseases Medical / Surgical
Centre of Minimally Invasive Surgery and Obesity Surgery
Centre of Orthopedics and Rheumatology Diseases
Centre of Pediatrics and Pediatric Surgery
Centre of Urology and Men's Health
Centre of Medical Diagnostic Imaging and Interventional Radiology

Just visit our nearer branch having:

Quotation from University Hospital of Sharjah
Original passport and/or UAE National ID
Salary Certificate

Required Documents

Original passport & UAE National ID
Valid UAE residence visa for expatriates
Terms & conditions apply
Services & Charges

Education Finance

Thinking about accomplishing your graduate or post-graduate studies? Now you can continue your education in University of Sharjah & finance your tuition fees with SIB easy installments at 1.99% (3.64% reducing) starting profit rates.

 
The glossiness you're looking for is true…

No processing fees
Easy & fast approvals
Applicable on all University's educational programs

Call us on 06-5999999, 24 hours serving you.

American University of Sharjah – AUS (Ta'allam)

Education is the enlightenment of Future. Finance your tuition fees at the American University of Sharjah in easy installments & low profit rates starting 2.99% (5.47% reducing) will secure your future. Education has never been easier, Ta'allam from SIB guaranteed it.

 
Ta'allam from SIB promises:

Rapid approvals & diminutive formalities
Applicable on all AUS programs

Required Documents

Original passport & UAE National ID
Valid UAE residence visa for expatriates
Terms & conditions apply
Services & Charges

Tawfeeq Finance

Do you think about settling your existing liabilities of conventional banks? SIB Tawfeeq secures you the solution. With the Sharia'a compliant structure of Tawfeeq; SIB provides the endorsement of such concern with competitive profit rates.

 
Features & Benefits:

Fast approval
Long payment tenures
No processing fees
Early settlement fee of 1% of the remaining balance only
1st settlement due within the first 45 days
Up to 20 times the salary

 

Call us on 06-5999999, 24 hours serving you.

Required Documents

Original passport & UAE National ID
Valid UAE residence visa for expatriates
Original Salary Certificate
Salary Transfer Letter
Original Liability Certificate
Six months salary bank statement & security cheque
Terms & conditions apply
Services & Charges

Future Home Finance

Do you want to build your own house? Or even finding your dream under-construction location or OFF-Plan property and you still want to own it? SIB's Future Tamallak; based on Islamic finance of Ijarah concept, is your choice. Choose your under-construction location or OFF-Plan property and we finance it for you; pay the profit & your first installment before the construction is done, then start paying the rest after the delivery of the property.

For more information or suggestions, feel free to call us on 06-599­9999.

Features & Benefits:

Long and flexible repayment periods
Fixed rent that gives you stability against rates fluctuation
Conventional monthly installments

Required Documents

Original passport & UAE National ID
Valid UAE residence visa for expatriates
Six months bank statement
Life & Permanent Disability
Takaful Insurance
Property Insurance
Joint Deals
Geographic Scope (Freehold – Leasehold)
Original of (Trade License – Chamber of Commerce Certificate – Memorandum of Association)
Salary Transfer Letter Valuation Certificate and the property documents (Site Plan, Map)
Terms & conditions apply
Services & Charges

Save ... Invest ... Win millions

Saving and investing in National Bonds is made much easier with Sharjah Islamic Bank National Bonds Finance

Features & Benefits

High finance amounts
Competitive profit rates
Instant redemption / liquidation of Bonds
Win a million and tens of thousands of prizes every month
Easy procedures and fast approvals
Apply for our National Bonds Finance and be the next millionaire.