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&nbsp;An approval for the Finance once sanctioned is only valid for 90 days from the date of approval, and the Finance disbursal must be completed before that so as not to lose time, failing which re-approvals need to be sought internally. Extension beyond 90 days is at the Bank&rsquo;s discretion and subject to internal approvals.
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If you pay off the Finance prior to the due date, you will pay prepayment charges at the rates described above.
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If you are late in payment or fail to make a payment on the due date, you will pay donation amount charges at the rates described above; and profit will continue to apply on the aggregate finance outstanding (which will include the unpaid profit posted to the finance account).
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If you fail to make a payment, or otherwise breach the Finance terms, this will be considered a default and the Bank will be entitled, among other things, to:
(a) Charge a donation amount as defined in the Offer Letter for non-compliance to finance sanction terms;&nbsp;
(b) Cancel the Finance and demand and demand full payment immediately;&nbsp;
(c) Report the default to the appropriate regulatory authorities including the UAE Central Bank and Al Etihad Credit Bureau and credit rating agencies, which will affect your credit rating;
(d) Bring legal proceedings against you.
 
KYC Updates
The Bank may close the Account if KYC or identification documents are not updated regularly, or if required as internal policies or upon request from regulatory / judiciary entities
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