Hisab
ENعहिंاردو
All guides

Do this

Steps you can take today

Templates you can send, negotiation scripts, and the order to do things in when you are already behind.

4 guides

Guides in this section

50%

the ceiling a UAE bank measures your monthly commitments against

Do this

Debt burden ratio in the UAE — how much can you actually borrow?

How UAE banks work out your debt burden ratio, the 50 percent ceiling, why an unused credit card counts against you, and how to see the number first.

8 min read

30 days

the ILOE claim window, and the one deadline that does not come back

Do this

Lost your job in the UAE — your loans, gratuity, ILOE and visa

The first week after losing a job in the UAE: the visa grace period, the ILOE claim, your gratuity, and what to tell the bank before the settlement lands.

10 min read

1 email

the request that can buy you breathing room

Do this

How to request a loan deferment from a UAE bank - email template included

A practical guide to requesting payment relief from UAE banks like Emirates NBD, ADCB, and DIB, with a copy-paste email template you can adapt today.

6 min read

In writing

the only way a settlement protects you

Do this

How to Negotiate Debt Settlement in UAE — A Practical Guide

How UAE debt settlement negotiation actually works — when banks consider accepting less, how to make an offer, and how to protect yourself in writing.

10 min read

When you are ready, Hisab puts every debt in one place on your phone, privately, for free.

Download Free