Personal Financing - GHB intends to price personal financing using transaction data and verified income, not postcode. Onshore clients are lent to under CBUAE rules. Offshore clients are lent to un…
Product informationExplore GHB account features, product benefits and pricing. Eligibility and applicable product terms and conditions govern each service.
FEATURE HIGHLIGHTS · 01From 4.49% qualifying clients
FEATURE HIGHLIGHTS · 03BTC / ETH collateral target: 50% LTV
PRODUCT OVERVIEW
Personal Financing
GHB intends to price personal financing using transaction data and verified income, not postcode. Onshore clients are lent to under CBUAE rules. Offshore clients are lent to under GHB's DIFC/ADGM credit licence, with the offshore entity acting as lender of record.
PRODUCTS & SERVICES
Every feature. Every detail.
All product tiers, fee figures and operating capabilities from your GHB source specification are presented below in full.
01
GHB BANKING SOLUTIONS
Digital personal loans
Instant pre-approval based on your GHB transaction history and verified income documentation. Indicative reducing-balance rate: from 4.49% for qualifying clients with salary or income transfer to GHB, from 5.99% for clients who maintain a relationship without income transfer. Loan amounts up to 20× verified monthly income. Tenors up to 48 months. Available to onshore clients with a minimum of six months of account history, and to offshore clients subject to offshore-perimeter credit policy.
02
GHB BANKING SOLUTIONS
Crypto-collateralised credit line
For clients holding digital assets: a fiat credit line secured by crypto collateral. Loan-to-value: 50% for BTC and ETH; 80% for regulated stablecoins. Structured under VARA's borrowing-services framework with conservative risk management, margin-call mechanisms, and strict segregation of client assets. International clients can access liquidity against their digital holdings directly through GHB's offshore lending entity - no separate offshore lender required.
03
GHB BANKING SOLUTIONS
BNPL at checkout
Embedded buy-now-pay-later for future GHB cardholders at partner merchants globally. Instalment plans available in fiat or stablecoin denomination. No separate application, no additional card.
Rates, eligibility, coverage and service availability are subject to authorisation and the relevant product terms. Refer to Legal & Regulatory Information for important details.
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