Dubai Islamic Bank Consumer Durable Finance
Part of PakFinHub's DIB coverage — Shari'a-compliant financing for appliances and electronics.
- Appliance & Electronics Financing
Consumer Durable Finance is DIB's Shari'a-compliant facility for financing household appliances and electronics, listed by DIB alongside its other Consumer Financing products. Maximum financing is up to PKR 2 million, per DIB's official product page. It carries the highest late-payment charge rate of any DIB consumer financing product in the current Schedule of Charges.
Consumer Durable Finance Charges
| Charge | Amount |
|---|---|
| Processing Charges | Upto Rs 4,000 |
| Tax Certificate Issuance Charges | Rs 1,000 |
| Income Estimation Charges | Upto Rs 5,000 |
| Cheque Return Charges | Upto Rs 1,000 |
| Cash Pick-up Charges | Rs 2,000 |
| Cheque Pick-up Charges | Rs 1,000 |
| Late Payment Charge | Upto 35% of the monthly instalment overdue |
| Duplicate Payment Schedule Issuance Charges | Rs 1,000 |
| Documents Retrieval Charges | Rs 1,000 |
At upto 35% of the overdue monthly instalment, Consumer Durable Finance's late payment charge is notably steeper than the 20% rate that applies to DIB's Home, Business, Auto, and Auto Leasing facilities — worth factoring in before committing to a repayment schedule.
Source: DIB Schedule of Charges, July–December 2026, Consumer Finance – Consumer Durable Finance section.
Dubai Islamic Bank Consumer Durable Finance FAQs
What can Dubai Islamic Bank Consumer Durable Finance be used for?
Household appliances and electronics, per DIB's official product listing under its Consumer Financing menu alongside Auto, Home, and Business Finance.
What is the maximum Dubai Islamic Bank Consumer Durable Finance amount?
Up to PKR 2 million, per DIB's official Consumer Durable Finance page.
What is the late payment charge on Dubai Islamic Bank Consumer Durable Finance?
Up to 35% of the overdue monthly instalment, per DIB's official Schedule of Charges, July–December 2026 — higher than the 20% rate on DIB's other consumer financing products.
Official Sources & Last Verified
Facts on this page were checked directly against DIBPL's official website, dibpak.com. Last verified: September 12, 2026. Rates, charges, and terms can change — treat dibpak.com as the source of truth.
Good For
- Comparing Islamic appliance/electronics financing charges before applying
- Understanding the higher late-payment rate versus DIB's other financing products
Ready to bank with Dubai Islamic Bank?
Verify current rates, offers, and terms directly with DIB Pakistan before you apply.
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