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Debt Consolidation Loans

Person, Human, Game

Debt Consolidation Loans

Debt Restructuring Plans

Standard Chartered Bank UAE is committed to helping our clients overcome any short- or long-term financial instability that they may be experiencing.

Person, Human, Furniture

Budgeting and Money Management Tool

Take the quiz to help us provide you the best products to kick start your personal banking journey with us.

1 OF 3

What is your monthly income?

Salary / Business income


Enter your salary

Other income (if any) This is sample tool tip text for other income


Total income

2 OF 3

What are your monthly payments?

Mortgage (if any)


Credit Card (if any)


Personal Loan (if any)


Car Loan (if any)


Student Loan (if any)


Total monthly payments

3 OF 3

What are your monthly expenses?

Monthly Rent (if any)


Food / Groceries


Education expenses (if any)


Utility, Internet & mobile costs


Other expenses (if any) This is sample tool tip text for other expenses


Total household expenses


Calculation Results

Your debt burden maybe adequate to take on additional debt.

You may have difficulty making payments for any additional debt.

You may have difficulty making payments for any additional debt.

Debt Rate

Monthly Expenses


Monthly Income (AED)

Monthly Debt Payment (AED)

Monthly Expenses

Disclaimer: The information on this page is presented for general personal finance education and it is not intended to provide legal, financial, or tax advice. The accuracy of the calculated results is not guaranteed and is intended for illustrative purposes only. Outputs of this calculator do not indicate whether you would qualify for a loan.


  • If you are facing difficulty to meet your monthly repayment but you have a stable source of income.
  • All instances of restructuring should be accompanied by documents to substantiate the future source of your income.
  • You must have had a relationship with the bank for a minimum of 6 months to avail a Debt Restructuring Plan.
  • Additional condition for Interest Only option: you must have had a relationship with the bank for a more than 12 months.


  • Written consent sent to us from your registered email address to extract your Al Etihad Credit Bureau
  • Evidence of salary / income reduction.
  • Last 6 months statements/VAT Statements (if any).
  • Any other document to evidence financial stress.

Our dedicated Debt Restructuring Specialist will provide you with the right solution within 7 business days once all the required documents are provided.

Tenure up to 7 years for Unsecured Products. For Secured – To be decided after reviewing the application. Additional condition: The maximum duration for which the Interest Only option is allowed is only 6 months. For Mortgage accounts, the maximum duration could be up to 3 years.

No, there are no administrative fees for processing the application.

No, all unsecured credit facilities will be cancelled and can no longer be utilized.

Credit Bureau will be reported as Restructured which may affect your future lending applications.

Upon approval of the debt restructuring programme, an offer letter will be sent to your registered email address within 7 business days.

If you decided to make a full settlement on the outstanding before your tenure is up, you will be saving on the future interest.

We encourage you to newly apply for any of our products in future.


Investment Products:

The content of this webpage does not constitute an offer, recommendation or solicitation of an offer to enter into a transaction or adopt any hedging, trading or investment strategy. It has not been prepared for any particular person or class of persons and does not constitute and should not be construed as investment advice nor an investment recommendation. It has been prepared without regard to the specific investment objectives, financial situation or particular needs of any person. You should seek advice from a licensed or an exempt financial adviser on the suitability of the product for you, taking into account these factors before making a commitment to purchase or invest in an investment. In the event that you choose not to seek advice from a licensed or an exempt financial adviser, you should carefully consider whether this product is suitable for you. You are fully responsible for your investment decision, including whether the product or service described here is suitable for you. The investment products mentioned are not principal-protected and you may lose all or part of your original investment amount. SCB will not accept any responsibility or liability of any kind, with respect to the accuracy or completeness of the information in this website.