Q: Hi Hari, My name is P. I have a question for you, hoping a better clarification from you. I am working in the UAE and I have taken a loan of AED 150,000 from a bank. Till date, I have paid my monthly dues without fail. I am planning to change my job outside the UAE. What are the steps that I should follow? Is it possible for me to pay my loan amount in the UAE while staying outside the UAE? Kindly advice.

Q: I am leaving the country within the month due to being laid off from work. I was late in paying my latest loan instalment by only one day, which resulted in the bank calling to ask why last month's salary was not credited. I told them that I was still employed with the company and that this month's salary will be credited without any issue. I told them that I paid the last loan instalment anyway. This explanation seems to have satisfied the bank representative, however, I'm still concerned. I am currently updated on my loan payment, with no other debt except for this loan. I plan to continue my payments once I'm back home as I am starting a business. I cannot pay my loan if I get stuck here in the UAE. Is travel ban a possibility when I leave the country in the coming weeks?

Q: I lost my job and since then, I haven't been successful to get hired in the UAE. Fortunately, I got a job back home, starting date at beginning of May. I have a bank loan with a bank that I couldn't close in full before leaving the UAE. My end of service would be used as a partial payment of the loan but the remaining balance will be over 200K. I aim to reach a new agreement with the bank, having a lower monthly instalment and longer loan period, being paid from my home country. I need an advice how to proceed on this matter in order to be able to leave the UAE at the end of April without being stopped at the border and reach an agreement with the bank from outside the UAE to pay the loan from my home country. The answer time from the bank is very slow. Thank you

Q: I have a loan of AED 40000. I have paid for 4 months already and currently, I need to move to another country with the job. I want to pay the rest from outside the UAE. Is it possible?

Q: Hi sir, My colleague got a loan from a bank 2 months ago. Now, the company terminated him and canceled his visa. He is not able to pay without his job and visa. He wants to go back to India and search for a new job. After that, he will pay the remaining amount. So sir please let me know if he is allowed to depart.

An interview-format article covering the topic of loans and bounced cheques in the UAE. This is from the legal podcast of lawyer Ludmila Yamalova, the founder of Lawgical with LYLAW.

The UAE travel ban may be imposed on a person on various grounds, for instance, as the result of criminal offences, unpaid loans, breach of immigration laws or family matters. Implications of such a ban can be financially severe and daunting for the affected person. This article aims to give readers a clear understanding of what is the UAE travel ban, what are the grounds and procedures for its imposition and removal, how to check if the person is banned from travelling and other related topics.

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.

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.