Consequences of defaulting on paying loan installments

Dear Sir,

Need your advice. I took a loan of AED 64000 more than a year back and currently the outstanding amount is AED 51000, but as I don't have a job now, I am unable to pay the rest.

As I know from 2019, there is no imprisonment or criminal case, but if the bank files a civil case against me the fine will be around AED 5000 imposed upon me by the court.

Currently, even I don't have a single penny and I am struggling for daily expenses.

Kindly let me know how much time will the court give me to pay the AED 5000 fine.

What will be the consequences if I can't pay the fine within 1 month or 2 months time?

Also, let me know how I will be able to lift the travel ban if the bank imposes it on me somehow.