Reviewed on 24 August 2025
Personal Finance Calculator
For exact figures please visit your nearest SAIB Branch.
All personal financing are subject to credit approval.
For exact figures please visit your nearest SAIB Branch.
All personal financing are subject to credit approval.
Car Murabaha Finance
The calculator provides estimates only and shall not be considered an approval for the financing application.
For exact figures please visit your nearest SAIB Branch.
All personal financing are subject to credit approval.
Home Finance Calculator
The calculator provides estimates only.
All personal financings are subject to credit approval.
Cards
The calculator provides estimates only.
Credit Limit
For exact figures, please contact Flexx Call contact center at 800-124-8000
or visit the nearest SAIB Branches.
All finance products are subject to credit approval.
Example
An example of information that will be obtained when applying for a product
Personal Finance
| Finance amount ( ) | 100,000 |
| Tenor (Years) | 5 |
| APR % | Starting from 4.93 |
| Installment amount ( ) | 1,857.49 |
*The Annual Percentage Rate (APR) may differ based on the amount and maturity period.
Car Murabaha Finance
| Finance amount ( ) | 100,000 |
| Tenor (Years) | 5 |
| APR % | Starting from 4.93 |
| Installment amount ( ) | 1,857.49 |
*The Annual Percentage Rate (APR) may differ based on the amount and maturity period.
Home Finance
| Property evaluation ( ) | 500,000 |
| LTV % | 90 |
| Type of term cost | Fixed |
| APR % | 7.40 |
| Finance Tenor (Years) | 15 |
| Payment method | Monthly deduction from customer's salary |
| Monthly Installment Amount ( ) | 4,037.18 |
| Early settlement amount | 1-2 Years: Total profit amount of the 1st two years After 2 years: profits of the three subsequent installments |
*The Annual Percentage Rate (APR) may differ based on the amount and maturity period.
Murabaha Deposit
Example: 1
| Investment amount ( ) | 100,000 |
| Investment Tenor (Months) | 1 |
| Profit margin % | 0.400 |
| Number of withdrawals allowed | Not applicable |
The above table is for illustration only, and the profit margin may differ according to the amount and maturity period.
Example: 2
| Investment amount ( ) | 1,400,000 |
| Investment Tenor (Months) | 6 |
| Profit margin % | 1.00 |
| Number of withdrawals allowed | Not applicable |
The above table is for illustration only, and the profit margin may differ according to the amount and maturity period.
Example: 3
| Investment amount ( ) | 1,000,000 |
| Investment Tenor (Months) | 12 |
| Profit margin % | 0.550 |
| Number of withdrawals allowed | Not applicable |
The above table is for illustration only, and the profit margin may differ according to the amount and maturity period.
Credit Card
| Card Type | Visa Platinum |
| Credit Limit | 10,000 |
| Used Amount by customer | 10,000 |
| Tawarruq | 2.49% |
Annual Fee *All new cards issued after December 15th will have no annual fees. | 399 |
| Minimum Payment Due | 5% |
| (APR) Annual Percentage Rate | 45.41% |
| Period to pay total outstanding | 75 months |
*All new cards issued after December 15th will have no annual fees.
*APR May differ depending on Card Type
SME
| Product | Annual Percentage Rate* | Administration Fees |
| Short Term Loans | 5% - 7% plus SIBOR | 1.5% - 3% |
| Mid Term Loans | 6% - 8% plus SIBOR | 1.5% - 3% |
*Above rates may change based on the credit record of the entity.
E-Save
| Minimum Deposit Amount | Minimum Monthly Average Qualifying Amount to Avail Profits | Equivalent Annual Rate | Number of Withdrawals and Deposits Allowed | Profit Distribution Ratio |
| 0 | 5,000 | 0.10% | Unlimited | 20% - 80% |