تمويل 50 الف بدون كفيل 2021 , مما لا شك فيه أن هذا الموضوع من أهم وأفضل الموضوعات التي يمكن أن أتحدث عنها اليوم، حيث أنه موضوع شيق ويتناول نقاط حيوية، تخص كل فرد في المجتمع، وأتمنى من الله عز وجل أن يوفقني في عرض جميع النقاط والعناصر التي تتعلق بهذا الموضوع.
Financing 50 thousand without a sponsor 2022 is one of the most important things that many citizens and residents want to know all the details about, as personal financing without a sponsor is one of the most important financing programs that receive great attention in the Kingdom of Saudi Arabia, and the reference site is keen to talk about personal financing, especially Financing 50 thousand without a guarantor, with an explanation of all companies that provide financing for 50 thousand, and the most important conditions that must be met by the applicant, as well as the most important other relevant information.
Financing 50 thousand without a guarantor 2022
Financing 50 thousand without a sponsor is a personal loan offered to the people of the Kingdom of Saudi Arabia with a value of 50 thousand Saudi riyals by many Saudi banks and organizations, to facilitate obtaining financing without a sponsor. On the most prominent Saudi banks and companies that provide a financing product of 50 thousand without a sponsor, and we will learn about all the conditions required by each financial institution.
Saudi Finance Company
The Saudi Finance Company is one of the first companies that provides personal finance to individuals and companies in accordance with Islamic law, since its establishment in 1990 AD, with a capital of ten million Saudi riyals and wholly owned by Abdullah Ibrahim Al-Khorayef Sons Company. It is worth noting that the company owns 17 branches and outlets. In September 2011, Abu Dhabi Islamic Bank acquired 51% of the company’s capital after raising its capital to one hundred million Saudi riyals. In it, the financing limit is up to 500,000 Saudi riyals for individuals for a period of up to 60 months, with a simple profit margin that complies with Islamic Sharia, but it stipulated some conditions for the person wishing to finance, which we will explain below:[1]
Terms of the Saudi Finance Company
The Saudi Finance Company has identified some conditions that must be met by the person applying for the personal finance application, the most prominent of which are:
- The applicant’s salary should not be less than 4000 Saudi riyals.
- The age of the applicant should not be less than 21 years.
- Not more than 65 years old at the latest payment date.
- for the public sector; At least 3 months of regular work before applying for funding.
- And the private sector, at least one full year before the request for funding.
- Submit the following documents:
- Bank account statement for the last 3 months.
- Definition of salary.
- Fill out the financing application.
Best personal finance bank without salary transfer in Saudi Arabia 2021
Flexible Murabaha Company
A flexible Murabaha company has started its financing activities for individuals and small and medium-sized enterprises in accordance with the teachings of Islamic Sharia since 2012, providing amounts of money starting from 5,000 riyals up to 250,000 riyals, and the repayment period is up to 60 months, and personal finance can be paid without salary transfer.[2]
Flexible Murabaha Personal Finance Terms
The terms of personal finance in a flexible Murabaha company are as follows:
- The salary is not less than 3,000 riyals for the government sector, and 6,000 riyals for the private sector.
- The service period shall not be less than one month for the governmental and semi-governmental sectors, 12 months for the private sector, with the exception of 3 months for employees of the banking and communications sector.
- The applicant must not be less than 18 years old.
- Submit the following documents:
- Submit the funding request.
- Attach the national ID.
- A letter of introduction from the employer including (basic salary – allowances – date of joining)
- Bank account statement.
- National address.
Trading House Company
It is one of the most famous companies that provide financing of 50 thousand without a guarantor, the financing limit may reach 400,000 Saudi riyals, and the financing period in it is from 2 to 4 years, according to the study of the application, but it has set some conditions that must be met by the person wishing to obtain On personal finance, the most important of these conditions are:[3]
- The applicant must be a Saudi national, residing in the Kingdom.
- The applicant must be an employee (civilian employee or military employee) and his salary is in a Saudi bank.
- Provide a good credit history of the company for the last 4 years.
- The salary should not be less than 10 thousand Saudi riyals.
- in the case of teachers; His salary should not be less than 6000 Saudi riyals.
- The applicant should not have had any previous financial failures.
Nayifat Finance Company
Al-Nayifat Finance Company offers a loan of 50,000 without a guarantor, in addition to many other loans where the financing limit without a guarantor reaches 95,000 Saudi riyals, and you can get financing rates for individuals and institutions by entering this link “from here”. The private financing rates without a guarantor in Nayifat Finance Company were as follows:
Funding Amount
Maturity in years
Annual Percentage Rate
Monthly installment amount
Administration fee
simple constant rate
Financing tenure (in months)
95,000.00
5
29.96%
2824
1%
14.27
60
50,000.00
3
30.53%
2005
1%
14.27
36
20,000.00
1
60.65%
2076
1%
14.27
12
Conditions of Al-Nayifat Company for Individual Finance
Al-Nayifat Company has established some conditions for accepting an application for a personal loan, which are as follows:
- The applicant must be an employee of an approved employer with banks, whether governmental or private.
- The salary should not be less than 4000 for the governmental and private sectors.
- Age should not be less than 20 years and not more than 60 years.
- The applicant must be a Saudi national.
- The service period shall not be less than 3 months for the public and private sectors.
- Good credit history, non-defaulted.
- Submit the necessary papers and documents, which are:
- A form filled out by the client signed by the signature identical to the signature of the bank.
- A copy of the customer’s valid and clear identity card and their location.
- Account statement for the last 3 months stamped by the bank for the client showing the deposit of the salary up to the last salary immediately before applying.
- Definition of salary for the client.
- The client’s business card for the military sector.
- Card or IBAN number.
- Fill out a feature declaration form.
My experience with the Kafalah program and how I subscribed and got financing easily
The Saudi Investment Bank
The Saudi Investment Bank provides personal finance that is compatible with the provisions of Islamic Sharia, and is approved by the Shariah Board of the bank. It is characterized by the fact that it is possible to refinance after completing the payment of the required percentage for refinancing, and the client is exempted from debt in the event of death and in cases of permanent total disability, and it is possible to The finance amount will be disbursed on the same day when the documents are completed.
Terms of Personal Finance from The Saudi Investment Bank
The Saudi Investment Bank stipulated some conditions for a person wishing to obtain personal finance, the most prominent of which are the following:
- Apply for Saudis only
- The age should not be less than 18 years, and the age should not be more than 60 years for men and women at the completion of the financing repayment
- To be an employee on the job with one of the entities approved by the bank
- The customer must have a salary account with the Saudi Investment Bank
- The minimum length of service in the government sector must be one month.
- The minimum service period in the private sector must be 3 months.
- Submit the necessary documents, which are:
- Fill out all the required forms from the bank.
- A letter of introduction from the employer that includes the basic salary, allowances and the date of joining the work.
- A salary transfer letter addressed to the Saudi Investment Bank.
Read also: You are eligible for the Finance Month offer to get a new personal finance. Apply now through the Al Rajhi Bank app
Al Rajhi Bank
Al Rajhi Bank offers personal finance that is compatible with Islamic Sharia in less than 30 minutes. Providing many advantages and facilities to achieve customer satisfaction.
Terms of personal finance from Al Rajhi Bank
Al-Rajhi Bank stipulated a number of conditions that applicants must meet for a personal finance application, which are as follows:[4]
- The applicant must not be less than 25 years old.
- The age should not be more than 60 years for employees and 70 years for retirees (when paying the last installment).
- The employer should be among the entities approved by the bank.
- The income of the Saudi client, the employee, should not be less than 2,000 riyals, and the pensioner’s income should not be less than 1,900 riyals.
- The resident’s income should not be less than 5,000 riyals.
- Commitment to repay the loan on the specified dates.
- Salary transfer to Al Rajhi Bank is required.
- Submit the following documents when applying for personal finance at Al Rajhi Bank. These documents are as follows:
- Financing application form.
- Attach a salary transfer letter to the bank from the employer.
- Attach pension details.
- Attach a copy of the following:
- The national identity of citizens.
- A copy of the passport for Saudis.
- Residence visa for expatriates.
Personal finance offers from Al Rajhi Bank:
Al Rajhi Bank launches special offers for its customers to obtain a personal loan. The personal finance offers are as follows:[5]
Show national product 1
Al-Rajhi Bank offers a national product offer 1 with a number of privileges, which are:
- The maturity period is up to 60 months.
- Administrative fees refundable on the customer’s credit or prepaid card.
- Competitive profit margin.
- APR starts at 1.03%.
- The speedy completion of all customer financing application procedures.
- Enable the customer to benefit from the financing products and other services provided by Al Rajhi Bank.
- Financing retired clients and those on the verge of retirement.
- The ability to apply for and implement financing directly through the application.
- The possibility of financing non-Saudi customers.
- Possibility of early repayment at any time at the request of the customer.
- No sponsor is required to obtain financing.
- There is no maximum funding amount.
- Exemption from indebtedness in the event of death or total disability.
Also read: Imkan Al Rajhi 1443 Loan Terms and How to Apply for Financing and Registration
Show national product 2
Watani 2 is one of the personal offers offered by Al Rajhi Bank, and it consists of some privileges, namely:
- The maturity period is up to 60 months.
- Administrative fees refundable on the customer’s credit or prepaid card.
- Competitive profit margin.
- Annual percentage rate starts from 1.43%.
- The speedy completion of all customer financing application procedures.
- Enable the customer to benefit from the financing products and other services provided by Al Rajhi Bank.
- No sponsor is required to obtain financing.
- There is no maximum funding amount.
- Exemption from indebtedness in the event of death or total disability, God forbid.
- Possibility of financing retired clients.
- Possibility of financing clients about to retire.
- The ability to apply for and implement financing directly through the application.
- The possibility of financing non-Saudi clients.
- Possibility of early repayment at any time at the request of the customer.
- The possibility of consolidating the client’s obligations for more than one financing in one contract.
Al Rajhi Bank Personal Finance Link: alrajhibank.com.sa
The customer can go to the personal finance link in Al Rajhi Bank directly “from here”, enter the data required to enter, and view all the conditions announced by the bank, to obtain personal finance and complete the application process successfully.
And here we have reached the end of our article financing 50 thousand without a sponsor 2022, where we explained the most important banks and financial companies that provide financing in the amount of 50 thousand without a sponsor for the year 2022, as we explained all the conditions announced by both banks and companies, in addition to the papers that must be submitted.
خاتمة لموضوعنا تمويل 50 الف بدون كفيل 2021 ,وفي نهاية الموضوع، أتمنى من الله تعالى أن أكون قد استطعت توضيح كافة الجوانب التي تتعلق بهذا الموضوع، وأن أكون قدمت معلومات مفيدة وقيمة.