أسئلة وأجوبة
أسئلة وأجوبة
3 متاح 3 • عرض الجميعHow can I reach a loan settlement with the bank on relaxed payments instead of one-time payment?




0
Q: I lost my job during the pandemic and had to leave the UAE. After one and a half years, when I returned to the UAE, the bank's collection department had filed a case against me. My original loan amount was only 91,000 AED, but with profit, it increased to 134,000 AED.
I have been paying regularly, and now I have only 59,000 AED left. I asked the collection department to offer me a reasonable repayment solution, suggesting a settlement of between 20,000 and 25,000 AED. However, they demanded a one-time payment of 50,000 AED, which I cannot afford due to a lack of funds.
Now, they are threatening to file another case against me with a travel ban. I would like to know if the collection department can file a case against me and if the judge would help provide a reasonable payment solution.
I have repeatedly asked the bank for a more reasonable settlement amount, but they refused and insisted on filing the case.





+2
2025/03/03
121
ماذا تفعل مع البنك إذا وافق على تسوية القرض بالكامل فقط؟
1
س: مرحبًا،
أولًا أشكركم على هذه الخدمة.
اسمحوا لي أن أصف حالتي بإيجاز.
لقد كنت في دبي لفترة طويلة. لقد فقدت وظيفتي مؤخرًا وأتقدم بشكل حثيث للحصول على وظيفة جديدة. حاليًا أنا في إجازة براتب حتى يونيو، لذا لم يتبق سوى دفعتين إضافيتين من الراتب.
لدي قرض بقيمة 950 ألف درهم إماراتي ورهن عقاري مستحق بقيمة 900 ألف درهم إماراتي (قيمة العقار 2 مليون درهم إماراتي).
أخشى أنه بعد شهر يونيو لن أتمكن من سداد أقساط القرض بالتأكيد والتي تبلغ 33 ألفًا شهريًا. على استعداد للتسوية نظرًا لأن لدي إمكانية الوصول إلى بعض الأموال ولكن البنك يريد فقط تسوية المبلغ بالكامل مع إضافة جميع دفعات الفائدة لمدة 5 سنوات.
لدي إمكانية الحصول على 500 ألف درهم إماراتي من خلال العائلة لاستخدامها في التسوية. كان القرض لمدة 5 سنوات وتم سداده دون أي تقصير لمدة 26 شهرًا. ليس لدي أي مدخرات في هذا الوقت ولكن في شهر يونيو القادم، من المرجح أن أتخلف عن السداد.
أقدر أي نصيحة.
بارككم الله.

2022/04/22
395
How can you reach a settlement to avoid legal action by the bank if you lose job and can not repay your loan?




0
Q: My brother lost his job in the UAE 8 months ago and has a debt of AED 170,000 to a bank.
He is finding it extremely difficult to make monthly loan payments to the bank, as he has been unable to find a job even after 8 months.
What options does he have to reduce/settle his bank debt without having restrictions on him, like a travel ban, etc?
Please help him find the best possible solution considering his current financial situation.





+1
2025/04/09
235
المدونة القانونية
4 متاح 4 • 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
19018
ما حظر السفر وكيف يُطبَّق في الإمارات العربية المتحدة؟ 13
مقال في صورة مقابلة يتناول موضوع حظر السفر والأسباب التي تؤدي إليه في دولة الإمارات العربية المتحدة. مقتبس من المدونة الصوتية القانونية للمحامية لودميلا يامالوفا، مؤسسة مشروع لوجيكال مع لايلو.
2020/03/09
6726
كل ما تحتاج لمعرفته عن حظر السفر في الإمارات العربية المتحدة في 2025 167
يُفرض حظر السفر على الأفراد لأسباب مختلفة، كأن يتم ذلك نتيجة لارتكاب الشخص جرائم جنائية، أو عدم تسديده لديون، أو لخرقه قوانين الهجرة أو لأسباب تتعلق بالأحوال الشخصية. وقد يؤدي حظر السفر إلى بعض الآثار المالية الشاقة على الشخص المحظور. لذا يهدف هذا المقال إلى إعطاء القراء فهمًا معمقًا لعقوبة حظر السفر بالإمارات، وما يُبنى عليه من الإجراءات المتبعة لفرض الحظر أو رفعه، وكيفية التحقق من وجود حظر سفر، وغير ذلك.
2025/05/30
138893
الشيكات المرتجعة في الإمارات: كل ما تحتاج لمعرفته في 2024 292
في الإمارات العربية المتحدة، تعد الشيكات المرتجعة مشكلة متكررة جدًا يواجهها الأشخاص خلال فترة وجودهم في الدولة وتخضع لأحكام قانون المعاملات التجارية. يمكن أن تكون الآثار والعقوبات القانونية شديدة من الناحية المادية ومرهقة بالنسبة لجرائم الشيك "الأكثر خطورة". قد تنشأ قضايا الشيكات المرتجعة في مجموعة متنوعة من المعاملات التجارية، بما في ذلك على سبيل المثال لا الحصر، التبادل التجاري بين الشركات، والقروض المصرفية، وإيجارات العقارات وشراؤها، وبالطبع المعاملات الفردية.
2024/10/15
224601
قوانين وتشريعات
2 متاح 2 • عرض الجميعFederal 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
148749
Federal Decree-Law No. (50) of 2022 Issuing the Commercial Transactions Law 0
The provisions of this Federal Decree-Law No. (50) of 2022 Issuing the Commercial Transactions Law, known as the "New Commercial Code" governs commercial transactions in the United Arab Emirates. The New Commercial Code repeals the previous UAE Federal Law No. (18) of 1993 Issuing the Commercial Transactions Law.
2022/10/03
559

متميز
إجابة أخرى من
لا توجد إجابات
عرض الجميعI had pending bank loans and credit card dues. If I apply for a visit visa from outside, will it get approved? 0
I had pending bank loans and credit card dues, and I am outside the UAE.
Surely there will be a police case and also a travel ban.
Under these circumstances, if I apply for a visit visa from outside, will it get approved?
2025/07/07
7
Can I evict a tenant and refuse renewal if rent has not been paid in full? 0
Hello,
I am a landlord. The tenant failed to pay the rent in one full payment as per the contract.
So far, 3 months remain until the expiry date of the contract, and the payment is still pending.
Do I have the right to evict the tenant from the apartment and refuse to renew the tenancy contract?
2025/07/07
13
Can a Muslim revert woman in the UAE obtain a Sharia divorce and remarry? 0
Dear Legal Advisor,
Assalamu alaikum wa rahmatullahi wa barakatuh,
I recently reverted to Islam, and my marriage was solemnized in a civil court in the Philippines. There is no divorce law in the Philippines, and even if there were, it would take a significant amount of time and money.
Could you please advise if I can file for divorce in the UAE through the Family Court or Sharia Court?
What are the chances that my divorce will be granted? If the divorce is approved, am I permitted to remarry in the Sharia Court?
Thank you for your kind attention to this matter!
2025/07/07
13
I bought a villa in Dubai and the tenant did not pay all his bills and rent before leaving. Hot to claim that? 0
I seek advice on a Dubai property case.
I bought a villa in Sept. 2024, which had a tenant with an expired lease in Aug. The sales contract mentioned that the house was tenanted and mentioned August as the lease expiry.
I proceeded to RDC for the case of the tenant not paying the rent. The tenant lost the case. He paid rent and got a retrospective letter signed by the seller saying he vacated Sept 22, 2024, after filing for an appeal.
The RDC ruled in his favor and said the rent owed was only till Sept 22, despite DEWA running till Oct 1.
I want to know if
1. I can appeal to the Cassation
2. Options for action against the seller for selling the villa without disclosing the information about the tenant's eviction
3. The tenant had stayed in the villa beyond Sept 22, as he had maintained his DEWA and domestic helpers confirmed his vacancy to me
4. What is the legal recourse?
5. How much would it cost, including fees to open the case and lawyer fees?
6. How much compensation can be expected?
2025/07/07
8
I have Form F for apartment which caught fire and the broker refused to return the deposit. What to do? 0
Hello
I have Form F for an apartment in [----], which caught a huge fire recently.
There is no force majeure clause in the contract, but according to the law in the UAE, it shall be terminated without penalty.
The seller doesn’t want to cancel the contract F, and the broker of seller is not refunding the deposit.
2025/07/04
32

متميز
إجابة أخرى من
لا توجد إجابات
عرض الجميعI had pending bank loans and credit card dues. If I apply for a visit visa from outside, will it get approved? 0
I had pending bank loans and credit card dues, and I am outside the UAE.
Surely there will be a police case and also a travel ban.
Under these circumstances, if I apply for a visit visa from outside, will it get approved?
2025/07/07
7
Can I evict a tenant and refuse renewal if rent has not been paid in full? 0
Hello,
I am a landlord. The tenant failed to pay the rent in one full payment as per the contract.
So far, 3 months remain until the expiry date of the contract, and the payment is still pending.
Do I have the right to evict the tenant from the apartment and refuse to renew the tenancy contract?
2025/07/07
13
Can a Muslim revert woman in the UAE obtain a Sharia divorce and remarry? 0
Dear Legal Advisor,
Assalamu alaikum wa rahmatullahi wa barakatuh,
I recently reverted to Islam, and my marriage was solemnized in a civil court in the Philippines. There is no divorce law in the Philippines, and even if there were, it would take a significant amount of time and money.
Could you please advise if I can file for divorce in the UAE through the Family Court or Sharia Court?
What are the chances that my divorce will be granted? If the divorce is approved, am I permitted to remarry in the Sharia Court?
Thank you for your kind attention to this matter!
2025/07/07
13
I bought a villa in Dubai and the tenant did not pay all his bills and rent before leaving. Hot to claim that? 0
I seek advice on a Dubai property case.
I bought a villa in Sept. 2024, which had a tenant with an expired lease in Aug. The sales contract mentioned that the house was tenanted and mentioned August as the lease expiry.
I proceeded to RDC for the case of the tenant not paying the rent. The tenant lost the case. He paid rent and got a retrospective letter signed by the seller saying he vacated Sept 22, 2024, after filing for an appeal.
The RDC ruled in his favor and said the rent owed was only till Sept 22, despite DEWA running till Oct 1.
I want to know if
1. I can appeal to the Cassation
2. Options for action against the seller for selling the villa without disclosing the information about the tenant's eviction
3. The tenant had stayed in the villa beyond Sept 22, as he had maintained his DEWA and domestic helpers confirmed his vacancy to me
4. What is the legal recourse?
5. How much would it cost, including fees to open the case and lawyer fees?
6. How much compensation can be expected?
2025/07/07
8
Are employers required to pay redundancy compensation for terminations due to restructuring? 0
Hello,
A company with entities and employees in the UAE (specifically in Dubai Mainland and JAFZA) terminates employees due to company restructuring initiated for business convenience, and not due to insolvency, financial distress, or bankruptcy.
I understand that, under UAE labour law, the following payments are typically due:
- End-of-service gratuity (in accordance with UAE Labour Law and/or JAFZA regulations);
- Payment for any accrued but unused leave;
- Compensation for the notice period, if waived; and
- Any outstanding contractual entitlements or dues.
The main question is as follows:
In the context of restructuring-based terminations, is there any legal obligation, or prevailing legal or customary practice, to pay a separate “redundancy payment” or severance beyond the items listed above?
I would appreciate it if you could clarify this with reference to applicable UAE Labour Law, Executive Regulations, Ministerial Resolutions, and JAFZA-specific employment regulations, where relevant.
2025/07/07
10
احصل على عروض أسعار من محامين
ابحث عن المحامي المناسب لاحتياجاتك القانونية.
أرسل طلبك واحصل على عدة
عروض تنافسية من
محامين مؤهلين.
أسئلة شائعة
عرض الجميع هل تبحث عن شيء آخر؟
اطلب استشارة من محامٍ