Loan Against Fixed Deposit

Get instant access to your funds when you need it, while still keeping your Fixed Deposit (FD) investment intact.

Get high loan amounts against your FD

Competitive pricing

Financing tenure

Deferment facility


Get high loan amounts against your FD
Competitive pricing
Financing tenure
Deferment facility

Top features

Money transfer

Get high loan amounts against your Fixed Deposit

High Loan amount up to 90% of the value of your Fixed Deposit or AED 20 Million (whichever is less) for FD held with CBD

Financing tenure

Flexible repayment period up to 48 months

Competitive pricing

Competitive pricing starting with a minimum of 12 months EIBOR

Deferment facility

2 installment deferments per year


Eligible segments

All nationalities, salaried or self-employed banking with CBD

Eligibility criteria

If you are a UAE National or ex-pat aged between 21 and 70 years (at the time of loan maturity).
If you maintain average monthly balances of a minimum of AED 225,000 with CBD*.

Relevant links

Key Facts Statement

We kindly request you to carefully read and understand this document if you are applying for a Loan Against Fixed Deposit from Commercial Bank of Dubai.

Learn More

Fees and charges

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Personal Loan Calculator

Enter an amount between 1,000 and 1,000,000
AED  1,000 AED  1,000,000
Enter an loan period between 12 and 60
12 Months 60 Months
Enter an Interest Rate between 1% and 10%
1% 10%






Total Repay Amount



What are different types of Personal Loan offered by CBD?

CBD offers all types of Personal Loan against Salary Transfer or Hypothecation of FD as listed below:

  • New Personal Loan
  • Top-up of existing Personal Loan
  • Buy-out / transfer of Personal Loan from other Bank (with or without topping up the Loan amount)
Do I require getting Insurance cover with payment of relevant fee for my facility against Fixed Deposit?

It’s a secured financing/lending against FD/TD hence, CBD doesn’t require any Insurance cover from customer.     

How do I get profits/interest on my Fixed Deposit/Time Deposit during facility period?
You will continue to enjoy receiving same profit/interest on your FD/TD as normal customer. The pricing on your Loan facility will apply separately which is not linked with your FD/TD profits/interest. 
Can I break my Fixed Deposit/Time Deposit before Loan maturity date?

Yes, you can break your FD/TD subject to settlement of your Loan outstanding. 

What is the Maximum Loan tenure I can avail under this program?

You can avail Loan facility with flexible tenure up to 48 months.

What is the Maximum Loan amount I can avail under this program?
You can avail Loan facility up to 90% of your fixed deposit, or AED 20 MM, whichever is less of your fixed deposit.   
I have existing Loan facilities from CBD and other Banks in the UAE with full utilization of permissible Debt Burden Ratio (DBR) cap, can I still avail CBD Personal Loan?
Yes, under this product variant you can avail financing facility from CBD even if you are at the maximum of 50% DSR threshold. DSR for this facility will not be counted / considered
To avail Personal Loan against hypothecation of FD, do I still require assigning of my salary to CBD?
No. It’s a hassle free and quick financing solution that doesn’t require transfer/assignment to CBD. Only hypothecation of your Fixed Deposit is 
What is Personal Loan against hypothecation of Fixed Deposit?

It a type of financing facility also called as secured lending against pledge of Fixed Deposit to facilitate customer to raise short-term money without breaking a fixed deposit (FD). Under this variant of Personal Loan – secured lending against FD, the customer will enjoy a low profit/interest rate as compared to regular variant of personal finance/loan product which is the main advantage and attraction for the customer

What is the minimum and maximum age requirement for a CBD Personal Loan against Deposit hypothecation?

The minimum age requirements is 21 years and maximum age is 70 years at the last installment due date for UAE nationals and expats.


Product details given above are for the initial reference purpose only. Approval of any loan or facility will be at a sole discretion of CBD. Personal Loans are subject to Terms and Conditions as stipulated by CBD and the regulatory authorities in the UAE.

Please contact our call centre 600 575 556 for checking your eligibility for CBD Personal Loan and detailed Personal Loan terms as product availability depends on terms stipulated by the Central Bank as well as on the Bank’s internal credit policy.

Please carefully read all terms and conditions on CBD Personal Loan application form and also on Personal Loan agreement (both to be signed by you) as well as CBD General Terms and Conditions for avoiding any disappointments. You may also consult our Personal Loan Executives/Advisors as well as our representatives in branches or call centre for details or explanations, if required.

If you do not meet the repayments/payments on your credit card/loan/financing, your account will go into arrears. This may affect your credit rating, which may limit your ability to access financing in the future. For complete product details and warnings, please refer to the Key Facts Statement.

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