Personal Loan Agreement (UAE)：2026 模板

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.