Personal Loan Agreement (UAE): образец 2026

Loan between individuals in onshore UAE with repayment schedule, security cheques and acceleration

Страна: ОАЭ
Категория: Займы и расписки
Сверено с законом: 15 ноября 2026 г.

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Что внутри

Loan amount in AED and proof of transfer
Repayment schedule and early repayment
Interest flagged as a point requiring legal review
Security (guarantee or cheques) and acceleration on default
Governing law, courts and payment-order route

Нормы права

Federal Decree-Law No. 25 of 2025 (Civil Transactions Law — loan)
Federal Decree-Law No. 50 of 2022 (Commercial Transactions Law — commercial loans)
Federal Decree-Law No. 42 of 2022 (Civil Procedure Law), Arts. 143–150 (payment orders)

Начало текста

Показано начало шаблона. Поля в квадратных скобках заполняются в редакторе Legal.

This template is intended for onshore UAE (outside the DIFC and ADGM financial centres, which apply separate common-law regimes) unless a field below provides otherwise. Arabic is the language of UAE courts and notaries: an English document used before them must be accompanied by a certified legal translation into Arabic.

Important: this template provides for a loan without interest. Whether and how interest may be charged depends on whether the loan is civil or commercial; commercial loans may carry agreed interest under the Commercial Transactions Law, while interest on loans between individuals should be reviewed by a UAE lawyer before it is included.

1. Parties

Lender: [Lender full name], Emirates ID / passport no. [Lender ID number], [Lender address, phone].

Borrower: [Borrower full name], Emirates ID / passport no. [Borrower ID number], [Borrower address, phone].

2. Loan

2.1. The Lender lends the Borrower [Loan amount in figures] AED ([Loan amount in words] dirhams) (the "Loan").

2.2. The Loan is paid on [Payout date] by bank transfer to the Borrower's account [Borrower IBAN]. The Borrower confirms receipt by signing this Agreement.

2.3. The Loan is made without interest, fees or other charges.