أسئلة وأجوبة
أسئلة وأجوبة
4 متاح 4 • عرض الجميعماذا يحدث للقرض المصرفي في حالة فقدان الوظيفة؟

2
س: السلام عليكم،
إنني أعمل في دولة الإمارات منذ سبع سنوات. قبل أسبوع، هددني صاحب العمل بإنهاء خدمتي. علي دين مصرفي تبلغ قيمته حوالي 164,000.00 درهم إماراتي في شكل قرض شخصي وأخشى أنه في حالة فقدان الوظيفة لن أتمكن من سداد القرض لأنني لا أملك أي مدخرات.
بعد القراءة، فهمت أنه سيتعين عليّ مواجهة قضية جنائية إذا لم أتمكن من سداد القرض (حيث يكون الديّن مستحقًا بالكامل في حالة فقدان الوظيفة) وكذلك السجن.
مهما كان الأمر، إنني بحاجة لمعرفة المزيد عنه. أبلغني أحد الأصدقاء أنه إذا قام شخص ما بإخطار البنك بالتخلف عن الدفع وإنهاء الخدمة، سيبدأ في اتخاذ الإجراءات وسيتعرض المتخلف عن السداد للسجن أو الغرامة.
سأكون ممتنًا إذا تمكن شخص ما من تقديم المشورة لي حول كيفية سير الأمور في حال تم إنهاء خدمتي وأصبح مبلغ القرض مستحقًا وتحول هذا الوضع إلى قضية مدنية أو جنائية.
مع خالص تحياتي.


2021/05/05
1080
ما العمل إذا فقدت عملك وعليك قرض غير مسدد
104
س: سيدتي العزيزة،
لقد أُنهيت خدمتي من شركتي وعلي قرض بنكي بحوالي 75000 درهم إماراتي.
ماذا علي أن أفعل؟
يرجى تقديم المشورة في أسرع وقت ممكن
مع أطيب التحيات

2019/01/09
38769
How to settle bank loans and avoid cases after losing your job?


0
Q: My sister lost her job a few years ago, due to that she suffered a head stroke, resulting in defaulting of payments of her loans to two banks (approximately combined value of 120000 dirhams).
She has a case against her (bounced cheques approximately 44000 dirhams) for house rent. She is stuck in the UAE, overstaying illegally and can't travel.
She doesn't know what to do, living in fear from the cases against her and can't find a job to try to solve the legal issues.
Please she needs help and advice to ease her suffering and solve her legal situation to live without fear knowing that the amounts due are overwhelming and can't be paid at once by her.
Is there any solution other than negotiating with the banks and the debtors who insist on her paying the full amounts in one shot to lift the legal cases and the travel ban against her?
They offered a slight deduction but due to her situation, she can't pay the amounts.



2021/05/25
300
Is it possible to negotiate with the bank to consolidate my loan and credit cards?

0
Q: Hello,
Is it possible to negotiate with the bank to consolidate my loan and credit cards balance when I'm outside the UAE?
I have already resigned and relocated to another country. I've left a remaining loan balance of AED 170k + 2 credit cards balance (10K + 34K). My gratuity (33k) is being held by the bank and I missed this month's loan payment.
I don't want to incur more interest by paying only the minimum on the 2 cards and wanted to negotiate with the bank to consolidate all debts into a single monthly payment. Right now I can only guarantee a 5K monthly payment.
Please advise


2023/04/28
121
المدونة القانونية
1 متاح 1 • عرض الجميعالعواقب المترتبة على فقدان العمل والتخلف عن الالتزامات المالية 26
إن إدارة الشؤون المالية للفرد أمر بالغ الأهمية، ويجب الأخذ في الاعتبار جميع الأحداث أثناء التقيد بالتزام مالي. سواء كان فقدان الوظيفة هو الذي أدى إلى الإخفاق المالي أو العكس، فيجب أن يكون المرء على دراية بالمسؤولية الشخصية التي لن تتلاشى من خلال دفع الغرامات في قضايا الشيكات المرتجعة. هناك نوعان رئيسيان من المسؤوليات، وهما المسؤولية الجنائية والمسؤولية المدنية. لكل منها أهميته الخاصة، وبالتالي، يجب التعامل مع كلا النوعين تبعًا لذلك.
2019/02/12
18908
قوانين وتشريعات
3 متاح 3 • عرض الجميعFederal Law No. (3) of 1987 Promulgating the Penal Code 29
This Law promulgates the Federal Penal Code (Criminal Law) of the United Arab Emirates. Crimes and chastisement punishments shall be determined in accordance with the provisions of this Law and other penal codes.
1987/12/08
47924
Federal Law No. (5) of 1985 On the Civil Transactions Law of the United Arab Emirates 96
The provisions of this law, promulgating UAE Civil Code, govern the civil transactions in the United Arab Emirates. The commercial transactions remain subject to the laws and regulations applicable in their regard.
1985/12/15
148442
Federal Law No. (18) of 1993 Issuing the Commercial Transactions Law 19
This Law applies to merchants, as well as to all acts of commerce carried out in the UAE by any person even though he be not a trader. Commercial matters regarding which specific Federal laws are issued shall be subject to the provisions of such laws, and to the provisions hereof which do not contradict with said laws.
1993/09/07
33031

متميز
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Needed to know if I am eligible to file for mutual divorce as an Indian expat living in Dubai and holding an Indian passport and also have Canadian PR.
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My cousin has multiple penal judgments of fine and jail. How will this be calculated? 0
My cousin is in the central jail of Al Awir since October 2024 till date 20/03/25. She has 6 different penal cases all judgements are done, last one was done yesterday.
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Does a cheque bounce effect my AECB score ? Is there a policy for this? 0
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What are my options after my rental renewal offer and deposit was rejected by the owner? 0
Hello,
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How can I cancel my visa and POA for financial matters if I have a travel ban for company bounced cheque? 0
I am seeking urgent guidance regarding my current visa status in the UAE. I was previously employed by a company that has now shut down, but my visa is still under that company.
During my tenure, I held Power of Attorney (POA) for all financial matters. However, after a cheque issued by the company bounced, the owner revoked my POA without my knowledge.
The company officially closed last year, and the owner (a lady) has been missing since the case emerged.
No one from the company is responding, and I am currently stuck in Dubai due to a travel ban imposed on me related to this case.
I need clarification on the following points:
How can I cancel my existing visa under this closed company?
Will I be able to obtain a new visa under another company despite the travel ban?
Are there any legal blocks or restrictions affecting my visa or employment options?
What legal steps can I take to resolve this situation?
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إجابة أخرى من
1556 1556 إجابات •
عرض الجميعMy cousin has multiple penal judgments of fine and jail. How will this be calculated? 0
My cousin is in the central jail of Al Awir since October 2024 till date 20/03/25. She has 6 different penal cases all judgements are done, last one was done yesterday.
In total, she has a fine of about 135000, 1 month in jail, and deportation in 1 case.
How will this be calculated moving forward?
Also she has spent time in different police station detentions from 23rd May 2024 till October including 48 days or so in Ras al Khaima.
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56
Can I file for mutual divorce from Dubai as an Indian resident and my husband works in Saudi? 0
Needed to know if I am eligible to file for mutual divorce as an Indian expat living in Dubai and holding an Indian passport and also have Canadian PR.
My husband is a Canadian citizen working in Saudi on a work visa.
What are my rights?
Can I ask for alimony?
Can I file for divorce from Dubai?
I have no children from the marriage.
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How can I cancel my visa and POA for financial matters if I have a travel ban for company bounced cheque? 0
I am seeking urgent guidance regarding my current visa status in the UAE. I was previously employed by a company that has now shut down, but my visa is still under that company.
During my tenure, I held Power of Attorney (POA) for all financial matters. However, after a cheque issued by the company bounced, the owner revoked my POA without my knowledge.
The company officially closed last year, and the owner (a lady) has been missing since the case emerged.
No one from the company is responding, and I am currently stuck in Dubai due to a travel ban imposed on me related to this case.
I need clarification on the following points:
How can I cancel my existing visa under this closed company?
Will I be able to obtain a new visa under another company despite the travel ban?
Are there any legal blocks or restrictions affecting my visa or employment options?
What legal steps can I take to resolve this situation?
I would appreciate your guidance on the next steps and any possible solutions.
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Hello,
I submitted an offer and deposit through the trustee office, but the owner rejected it. What is the next step?
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How can I lift my ex-wife’s travel ban on my son and secure full custody? 0
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